If you are going to drive a car, the law says you must have it insured. For many people, auto insurance is a mixed blessing. On the one hand, it can save you money in the event of an accident that isn't your fault. On the other hand, you have to pay a premium for a service that, with any luck, you may never use. In the event that an accident does occur, many people opt to pay for damages out of their own pocket so that their premiums don't go up.
Auto insurance is, for most of us, a necessary evil. One of the challenging parts about it can be choosing the right auto insurance for you. This is a rundown of some of the kinds of insurance coverage you can purchase designed to help you decide what is right for you.
Comprehensive insurance:
This type of insurance will protect you against damage caused by virtually every situation. Comprehensive coverage is just that: comprehensive. It covers damage done by fire, floods and theft as well as by collision. This is the best choice if you are insuring a new vehicle, because the cost of repairing damage to a brand-new car can be very costly. If your vehicle is older and in less-than-ideal shape, it may not be worth the extra expense to purchase this kind of all-encompassing auto insurance. In that case, it make be more practical to choose a basic liability policy as the premiums will be much cheaper.
Collision coverage
Collision protection guarantees that any costs incurred as a result of being involved in a collision will be fully covered by the insurance company. If you live in large, busy city and drive on traffic-lined streets often, this is a very wise choice in terms of auto insurance. Statistically, living and driving in a big city makes you more likely to be in a collision at some point. Collision auto insurance will have you covered.
Personal injury coverage
When it comes to choosing the right kind of auto insurance for your situation, always remember that the benefit of insurance goes beyond helping you repair or replace a damaged vehicle. If you are in a collision you may suffer injuries that will require medical treatment. Those expenses can be very costly. Personal injury coverage can help offset the costs by quite a significant amount - often up to about 80 percent in some cases. That can make a huge difference when you consider how costly medical expenses can be.
When choosing your auto insurance coverage, it is so important to take your time and do some good research. Compare insurance options and packages offered by various carriers to find the one that is both affordable and that provides the best coverage for you. When it comes to the very best in Auto Insurance Vancouver WA residents should consider Pickett Insurance. They have a long-standing tradition of providing reliable, affordable insurance to WA residents. Contact them today for more information about the insurance packages they offer and get started on the process of deciding which coverage is right for you.
