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What Auto Insurance Do I Need?

Shopping for an auto insurance policy can be complicated, especially for new car owners. Car insurance is essential; it protects drivers. As such, it will help you avoid paying more in the event of an accident. However, there are several typical components of an insurance policy. Read on to learn more about selecting the auto insurance that suits you.

Common Types of Car Insurance

There are several auto insurance coverage options to choose from. Each available option covers different aspects of a motor vehicle and the incidents involved. However, the common types of auto insurance include the following:

<b>Liability Coverage</b>

Liability Coverage

The liability coverage protects you from injuries or property damage you cause to others in a car accident. It also covers legal defense if you are sued. Most states require drivers to purchase at least the minimum amount stipulated by law. The benefits of this coverage include:

  • Property damage: the liability car insurance will cover, in part or all of the repairs and replacement costs associated with damages to the property you damaged in the accident.
  • Bodily injury liability: the policy will help settle for damages related to injuries caused to another person. It will cover the medical bills resulting from treatment and hospitalization resulting from an accident.

Comprehensive Coverage

You may want to include this option in your car insurance policy because it will protect you by providing money to fix your car. The primary advantage of comprehensive insurance is that it covers a diverse range of risks outside vehicle collision. Examples include fire, floods, theft, vandalism, riots, hail, and many others. Comprehensive car insurance is an option.

Uninsured and Underinsured Motorist Protection

This policy will protect you for injuries you sustain if your car is involved in an accident caused by a driver who lacks liability insurance. The coverage also steps in if the other driver's coverage limits are too low to pay the resulting medical expenses.

Other Types

Other Types

It is essential to seek advice from your insurance agent on the best option that suits your auto insurance needs. Other options to consider include Gap insurance, classic car insurance, new car replacement coverage, ridesharing coverage, rental reimbursement coverage, and towing and labor cost coverage. Make sure you ask about these coverages.

Frequently Asked Questions

Yes. Where you live may have a significant impact on your insurance premium. This is because your area of residence determines the likelihood of an accident and how much repairs might cost.

Vehicle insurance encompasses a diverse range of covers. The common types include liability coverage, uninsured and underinsured motorist coverage, comprehensive coverage, collision coverage, and medical payments coverage. Others may include gap insurance, classic car insurance, sound system insurance, towing and labor cost coverage, rental reimbursement coverage, ride-sharing coverage, and new car replacement coverage.

Having gone through various auto insurance coverage options available, you are ready to take the wheel on choosing affordable auto insurance for you. However, it is wise to check around and obtain at least three car insurance quotes before settling on the right coverage costs for you, your car, and your finances.

Do not navigate through this process alone, call us on 303-421-2802 to speak to a professional who will guide you through your options.

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