Most states require drivers to carry auto insurance. At a minimum, you’ll need liability coverage, which pays for damages and injuries you cause to others in an accident. Basic auto insurance also includes collision and comprehensive coverage, but you may need additional coverage options. Our team at Legacy Insurance specializes in tailoring your auto policy to fit your needs and keep your premiums reasonable.
Every car insurance policy includes a basic liability portion. If you cause an accident, your liability coverage will pay for the repairs to the other car and medical payments for the driver and passengers, if needed. Your state will require proof of this basic liability insurance coverage before they issue or renew your license and registration.
Collision and comprehensive coverage is also included in your auto policy. Collision coverage pays for repairs to your vehicle if you collide with another car or stationary object. Comprehensive coverage applies if someone burglarizes your car or if a windstorm drops a tree branch on your windshield. The cost of collision and comprehensive coverage depends on the value of your vehicle, as the policy will not pay for repairs beyond the value of the car.
Your insurance policy may include additional coverage options, such as rental coverage, medical payments, and roadside assistance. If you only have one car without easy access to borrow a vehicle, rental coverage is an excellent addition to your policy. If your car is undergoing repairs as the result of a covered incident, your car rental coverage will provide you with a rental car during that time.
Medical payments are an important addition to your policy if you don’t have health insurance coverage. If something happens to you and you need medical attention, the medical payment coverage will help pay for medical bills, such as hospital bills and doctor’s bills. Finally, roadside assistance can help you if you’re stranded for whatever reason. You may run out of gas, blow a tire, or find that the car won’t start in the parking lot of the grocery store. Roadside assistance will also cover the cost of a tow truck to a nearby mechanic.
We understand there’s a balance between cost and coverage options. You may want all the insurance coverage available, but you also want to keep the premiums reasonable. Our staff at Legacy Insurance can help you find the most comprehensive coverage options for the best price by working with multiple insurance carriers to get quotes for your situation.
If you’re driving a newer vehicle, you’ll want collision and comprehensive coverage to protect your car. It can cost thousands or tens of thousands of dollars to pay for car repairs. Even a minor dent may require more than buffing and a bit of paint. If your vehicle is an old car or worth less than your insurance deductible, collision and comprehensive coverage may not be worth it.
You can never completely drop your auto insurance. You’ll always be required to carry a minimum liability policy to protect other drivers on the road. However, you can drop all the other coverages if your car is paid off. If you have a car loan, your lender will probably require full coverage of the vehicle.
We can help you keep your premiums low by working with multiple insurance carriers to find a quote for you. Raising your deductible and lowering or removing additional coverage options may also reduce the premium. A clean driving record and driving an inexpensive car may have more of an impact on the cost of the policy than the coverage options you select. You can also take a defensive driving course to get a discount with some insurance carriers.
We’re here to customize your auto insurance policy to meet your unique needs. We work with a variety of reputable insurance carriers to find a policy that includes the coverage options you need at an affordable price. Call us today or use our contact form to reach out to one of our insurance specialists.