Car insurance is a tricky proposition. Every driver must have it for their vehicle, but there is a litany of different options available. This makes the decision of choosing the right car insurance for your needs hard. The last thing you want to do is overpay on something that you pay on a monthly basis.
If you have just purchased a new or used vehicle, you are probably on the hunt for new car insurance. Even if you are staying with the same company, you are probably going to want to change your coverage. Even if you haven’t gotten a new car, it may be worth it to look into your current policy to see if you are covered properly, either too much or too little.
If you are new to purchasing car insurance, check out these common policies and terms to help you on your quest.
Common Car Insurance Policies
1. Liability – This is the most basic type of coverage. It covers the other person and their automobile in the event of an accident that is your fault. This is commonly the minimum level of coverage required in order to be able to drive legally in most states.
2. Personal Injury Protection – In the event that there are medical expenses from an accident, this coverage will ensure that you and your passenger will have your medical bills covered up to a certain amount.
3. Collision – When you are in a collision, both you and the other person’s car are covered against damages. This is a good idea if you have a more valuable car. The amount of the coverage is based on your deductible.
If you are ready to start driving, one of these coverage levels should suffice your needs. For more information, contact an agent for car insurance Orange County FL has to offer. They will be able to help you select the right insurance policy.