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Auto Insurance
When you purchase or lease a car, you must protect that investment with auto insurance. Auto insurance provides you with coverage that protects your property in case you’re involved in an accident or the vehicle is stolen. This coverage can also protect you if your car is vandalized or damaged by a natural disaster.
To learn why you need auto insurance, keep reading.
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What Is Auto Insurance?
Auto insurance policies are contracts between a policyholder and insurer. The policyholder agrees to pay premiums to keep their plan active in exchange for the insurer paying for damages that occur to their vehicle. Auto insurance plans also offer liability coverage that pays for damage done to other vehicles and their passengers.
What Can Auto Insurance Cover?
The coverage offered by auto insurance plans varies. Generally, auto insurance can cover:
- Damage to your vehicle
- Damage to another’s vehicle
- Property damage caused by an accident
- Bodily injuries that occur during an accident
- Medical bills and funeral expenses associated with injuries caused by an accident
What exactly will be covered depends on the minimum coverage requirements of your state and any additional coverage options you decide to include in your plan. Though, all states except New Hampshire require drivers to have a minimum level of bodily injury liability coverage and property damage liability coverage.
How Much Does Auto Insurance Cost?
The cost of auto insurance varies depending on a number of different factors, including:
- Age
- Gender
- Years of driving experience
- Accident history
- Moving violation history
If you have been in many accidents, the insurer will likely charge higher rates. Also, younger people and less experienced drivers tend to cost more to insure.
Out-of-pocket costs
If you make a claim with your plan, you will be required to pay a deductible before your insurance accepts the claim. Deductibles can be decided at the time of purchasing your plan. Keep in mind that lower deductibles warrant higher premiums and higher deductibles will get you a lower premium.
Start Shopping For Auto Insurance
Personal auto insurance protects you and any family members you have on your policy. Don’t wait to get covered. Without insurance, you will be fully liable for any damages you incur or cause due to accidents or theft. To get started with a free quote on coverage in your area, contact an agent from Insured For Life today.
