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Mar 11, 2015

You know you need auto insurance—but what type of policy is right for you? This will depend on where you live, your financial situation, your driving record, and the vehicle you drive. Keep reading to learn more about coverage options and find the policy that is best for you.

Coverage Options

There are many coverage options to choose from. Traditional options include:

Collision: Collision coverage pays to repair damage to your vehicle if it is damaged in a collision with another car or another object.

Comprehensive: Comprehensive coverage pays to repair damage to your vehicle that results from vandalism, theft, storms, and more. It is in place to cover things that happen when you are not driving.

Liability: If you are found at fault in an accident, liability coverage will pay for property damage and medical expenses that you are liable for.

Medical: This coverage pays for medical expenses no matter who is at fault in the accident.

PIP: PIP stands for Personal Injury Protection and it covers the medical expenses of the insured driver.

Uninsured/Underinsured: If another driver causes an accident and is liable for the damages caused, their insurance should pay for property damage and medical expenses. If however, the other driver does not have insurance, or does not have enough insurance, this coverage will make up the difference.

Choosing The Best Policy

The right insurance policy for your neighbor may be inadequate for you—to choose the best policy, consider your assets, your ability to handle risk, and your lifestyle. Someone who drives a very old car that is paid off may need less protection than someone who is still paying off a new vehicle. An insurance agent can help you choose the best policy for your situation. Contact Best Insurance for advice and information, or go online for a free quote

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