Choosing an auto insurance policy can be more challenging that it seems. If you really want to find the best coverage for your Carrollton, TX vehicle and the drivers in your family, you know you’ll want more than just the cheapest minimum coverage available. You can compare quotes from a variety of companies here on our website, but deciding on the exact types of coverage to protect your investment isn’t always easy. These tips will help.
Know the Major Insurance Types
As your Carrollton independent agents, we routinely answer a lot of questions about the types of coverage available to drivers in this area. Here’s what you need to know about the main coverage types.
Liability
This is the type of insurance required by state law. It pays damages to other drivers who are injured or suffer property damage as a result of your actions, but it won’t typically pay for damages to your vehicle or your medical expenses if you’re injured in an accident.
Uninsured/Underinsured Motorist
This type of insurance protects you against damages from accidents in which a driver without sufficient insurance was at fault. It typically pays for property damage and bodily injury damages up to specific maximum amounts.
Collision
Collision coverage insures your vehicle against property damage in almost any collision with another vehicle or object, essentially paying for your own property damages.
Comprehensive
Comprehensive coverage insures your vehicle against risks unrelated to driving. Most comprehensive policies cover damage caused by hail, wind, vandalism, theft of items inside your car, and similar risks.
Deciding Which Coverage is Right for You
If you’re still not sure which types of coverage are worth your money, feel free to stop by and talk to one of our agents. They’d love to help you find a combination of coverages to keep your vehicles well-protected under a policy that fits your budget.
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