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Auto insurance is essential for protecting you and your vehicle on the road. It provides financial coverage in the event of accidents, theft, or damage. Here are the key components to consider:

Liability Coverage: This covers damages you may cause to others in an accident, including property damage and medical expenses.

Collision Coverage: This helps pay for repairs to your vehicle after an accident, regardless of fault.

Comprehensive Coverage: This protects against non-collision incidents, such as theft, vandalism, or natural disasters.

Uninsured/Underinsured Motorist Coverage: This safeguards you if you’re involved in an accident with a driver who lacks adequate insurance.

Personal Injury Protection (PIP): This covers medical expenses for you and your passengers after an accident, regardless of fault.

Frequently asked questions about auto coverage

What Is Considered Full Coverage?

The term “full coverage” isn’t strictly defined, but it typically refers to a combination of protections tailored to your needs. This often includes both liability coverage and physical damage coverage, such as comprehensive and collision insurance. Additionally, you might want to explore optional coverages like rental reimbursement and emergency roadside assistance to enhance your policy.

What’s the Difference Between Comprehensive and Collision Insurance?

Collision insurance helps pay for repairs or replacement of your vehicle if it is involved in an accident with another vehicle or object, or if it rolls over. This coverage typically has a deductible.

Comprehensive insurance, on the other hand, protects against theft or damage caused by events like fire, storms, hail, floods, vandalism, falling objects, or collisions with animals. This type of coverage may also involve a deductible and often requires an additional cost to your policy.

What Factors Affect Car Insurance Premiums?

Several elements can impact the cost of your car insurance premiums. These include your coverage options, deductibles, and available discounts. Additionally, factors like your driving record, credit score (where allowed), and various third-party reports can also play a significant role in determining your policy cost.

What is a deductible?

A deductible is the amount you pay out of pocket before your insurance coverage kicks in. Higher deductibles usually mean lower premiums, and vice versa.

Do I need auto insurance if I don’t drive often?

Yes, auto insurance is still required even if you drive infrequently. Most states mandate a minimum level of coverage.

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