Because of the unique features of each state, your independent agent is your best source of advice to understand your specific policy coverage selections and options. Here are just a few things to consider:
Why should I buy more types of insurance than my state requires? Most states only require you to purchase liability insurance (such as bodily injury and property damage) which doesn’t include damage to your car in the event of an accident, fire, theft, vandalism, weather related loss, etc. If you are hit by a driver with little or no insurance, you want to ensure you and your passengers can be protected for medical and other expenses. If your car is out of commission due to a covered loss, you may want to rent a substitute vehicle.
What liability limits should I buy? States set minimum required amounts of liability insurance. For many, these are inadequate to cover medical costs, loss of income, and injury settlements. Higher limits often are very affordable.
What deductible amount should I buy? A deductible is your out-of-pocket cost toward repairing your damaged car. This amount is generally deducted from our final payment to the auto repair or auto body shop, or to you. Higher deductibles may save money for drivers with no losses or with older vehicles you are less likely to repair. You can choose different deductibles for Collision and Comprehensive coverage.
What if a family member drives my car? It’s important to list all licensed household members on your car insurance policy, even a child away at school, in the military, or with their own insurance. This may extend your insurance if they drive one of your cars, rent a car, or drive someone else’s auto. Has a family member ever used the last car in the driveway, borrowed a college roommate’s car, or needed to take your car while theirs was in the shop? Coverage may be limited or denied if your child, relative or family member is not listed on your policy. Ask your agent for an explanation of all policy terms and conditions.