Auto insurance is important insurance coverage to have. Learn more about the different types of auto insurance and how to purchase it.
Auto insurance is critical to have to protect yourself, your vehicle, and other people on the road. In most states, having a minimal level of car insurance is required to legally drive on the roads in the state – this is to protect everyone. But many people opt to purchase more than these minimum limits to better protect their investment.
Your premiums depend on many different factors, so comparing rates from different auto insurance companies is a smart idea. Your rate will vary depending on the type of coverage you purchase, as well as many other factors.;
If you lease or finance your vehicle, your leaseholder or lienholder may require you to carry certain minimum limits in auto insurance coverage – this is so they can ensure their investment in your vehicle is protected.
Having the right level of coverage is also important – auto insurance is sold in many different coverage levels, and deductible amounts so you can select the right limits for your needs. In general, selecting a higher deductible means your premium will be less each month. Make sure your deductible is one you can afford.
Different Types of Auto Insurance
There are several types of auto insurance coverages you may need to protect yourself and your vehicle.
Comprehensive – Comprehensive auto coverage is the part of your physical damage policy that is designed to cover damages caused to your vehicle from incidents other than collisions. This can include things like vandalism, theft or partial theft, hail damage, fire, lightning, flood, or damage from animals. Comprehensive coverage is often optional, but your lienholder or leaseholder may require it if your vehicle is financed.
Other Coverages Might be Available
Some additional coverages you may wish to consider depending on your needs and your carrier could include Gap Coverage, New Car Replacement Coverage, Towing and Labor Coverage (also called Roadside Assistance), and Rental Reimbursement Coverage. Talk with your agent to learn more about these additional optional coverages!
How do I Purchase Auto Insurance Coverage?
It is easy to purchase auto insurance. There are many different carriers providing auto insurance, so you have lots of options. We can help you narrow down your choices and compare options to help you find the best rate for your situation.
Several different factors like where you live, what kind of car you drive, how many drivers and vehicles you have in your family, and what kind of driving record you have all affect your auto insurance rates. We will collect that information in your application, so you only must provide it once – then we will do the work to find you the right auto insurance policy for your family.
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