Safer driving means ensuring you have the best coverage at the right price.
Each year car design and auto technologies become more complex – such as driverless cars for example. In addition, trends show an increase in the number of roads and additional traffic – a recipe for increased potential driving accidents.
Auto insurance provides coverage for you and your family in the event of an accident and damages or injuries to you or others. Most states require insurance as a prerequisite to registering a car.
Your agent should review the different options for auto insurance. The type of vehicle, where it is garaged, the age and number of drivers, and your credit score will influence the coverages you need and the premium you are charged. The different components available in a policy cover damage you may cause to other people’s property (general liability); damage to your own vehicle (collision); fire, vandalism, or theft (comprehensive); or uninsured (UM) or underinsured motorists (UIM) in the event others do not carry any or insufficient liability insurance.
Your policy should cover the basics to protect you and your family. The policy is a contract between you and the insurance company issuing the policy. Each policy has specific coverages which will tell you what is and what is not covered. Endorsements are available which can add, broaden, limit or delete coverages.