About six months ago, I realized that I was having trouble figuring out what to do about my car. I drove regularly in the ice and snow, and I was constantly getting into accidents. I needed to protect my vehicle and my family, so I started looking into better auto insurance. After searching for a better policy, I was able to find an incredible company to work with. I learned a lot about auto insurance, and it made a world of difference. This blog is all about enjoying better auto insurance by choosing the right policy for you and your family.
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There are certainly times when getting the bare minimum auto insurance makes sense. But in many cases, it's wise to get better insurance coverage to protect yourself. Here is a guide to help you decide what types of insurance to get.
Minimum Insurance
Each state sets their own limits for the minimum insurance that's allowed for residents. If you wish to go this route, you can get a great deal on insurance. It's a good option if you are short on cash, or if your car's value doesn't warrant additional coverage on the vehicle.
Collision Insurance
Collision insurance is an important factor if you have a nice vehicle that you wish to preserve for a later resale. For instance, if you get a small scratch or ding on a high value vehicle, it could bring the price of resale down considerably. If the accident is the other person's fault, this will be taken care of by their insurer, but you're not protected under minimum coverage if your accident is your own fault.
Collision insurance will also protect you if you get in an accident and need to rent a vehicle in order to continue transporting yourself to work. Even if the vehicle crash was the other person's fault, their insurance probably won't kick in quick enough to get you a temporary vehicle. If you have your own collision insurance, this can be taken care of by your insurance policy.
Comprehensive Insurance
A comprehensive auto insurance plan can cover a wide range of accidents that are not due to an actual collision. For instance, if you live in an area where there are lots of natural disasters, you may want to get this insurance in case of flood or hail damage.
It's also a good idea to look at the theft rates in your city. Some cities have had a surge in car prowls and thefts in recent years, and if you live in one of these metros, you might want to get comprehensive insurance to protect you from theft. Some insurance policies also include a $0 auto glass component, so if your window is smashed during a car prowl, you would be completely protected.
Bodily Injury Insurance
Many insurance plans will ask you whether you want coverage for bodily injury to you or the other people involved in the accident. Although it may not be required in your state, this can be a great idea to make sure that any gaps in your healthcare coverage are addressed by your auto insurance. For more information, contact an insurance agency like Manassero Insurance Agency Inc.
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