Top 5 Most Useful Auto Insurance Plans

Find out which car insurance plans you should buy. Below you have a list with top 5 most useful auto insurance plans and why you should purchase them. Also, get auto insurance quote online.

  • @ images (1)Liability Insurance. When the state compels you to purchase life insurance, they usually look for liability insurance.  When you are involved in a car accident caused by you fault, liability insurance covers the costs of repairing any property damage (cars or buildings) and medical expenses for resulting injuries.  Most states impose a minimum liability coverage that you must have.  It is recommended to purchase coverage above the minimum imposed value, if you can afford it.
  • Comprehensive Insurance. Liability insurance covers only accidents. But your car can get affected by weather, damaged by rampaging animals or even stolen.  This policy covers against loss caused by other reasons than car accidents.  You can cut off the cost for this insurance if you install anti-theft and tracking devices.
  • Collision Insurance. Even if you end up causing a car accident, you will still need money to repair the car. Liability insurance provides money to repair damaged caused by your fault, but what happens to your car? Purchase this insurance and the insurer will pay the repair costs. If the car is destroyed beyond repair or totaled (the repair cost is pricier than the car), the insurer will pay the value of the car.  This policy is recommended for those who have newer cars or expensive cars.
  • Personal Injury Protection. Cost for treating car accident wounds can be astronomical.  In order to cover these costs, personal injury protection is available.  No matter who caused the accident, PIP will make sure to cover all medical expenses along with those of you passengers.
  • Uninsured Motorist Protection. It is a very unpleasant situation when you are involved in an accident caused by other person and that person has a very limited coverage.  You will end up paying bills for something that is not even your fault.  Purchase this policy if you want to be covered by the damaged caused by an uninsured motorist or a motorist with a very limited liability coverage.

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