What coverage options can i choose for my car insurance?
TOP Insurance agents work with you to find out what car insurance coverage you need, suggests ways to save money, and offers the right coverage to protect you from liability claims against your earnings and assets. Then, we do something that the major carriers DO NOT do. We search among the many carriers for the best plan at the best price for you.
There is a lot to know about auto insurance to fully understand what you’re paying for. The following information provides a quick education to help you navigate the twists, turns and choices involved in buying auto insurance.
(other than collision) Coverages pay for damage to your automobile. You can purchase either or both coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.
- Collision coverage insures you against damage to your vehicle caused during an accident.
- Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.
Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.
Can I include car and road rental coverage?
This coverage is optional or special and includes extras such as towing, rental reimbursement, and roadside assistance. Neither of these coverages is required
What is the adequate coverage for my auto insurance? How much I need?
Choosing the right level of insurance coverage depends on a number of factors, including the assets you must protect (liability coverage), the value of your vehicle (collision and comprehensive), the amount of money you can pay out of pocket ( deductibles) and your risk tolerance.