There is a wide range of types of auto insurance
There is a wide range of types of auto insurance. For example, if you have a luxury car you may need more coverage than someone that has a standard economy car.
There are also types of insurance that cover any type of damage to your car, not just when you’re in an accident. This can be very specific, like if you have a bike rack on the back and it causes damage to another car.
Then there’s comprehensive, which covers everything else, like vandalism, bad weather, etc. Technically, you could buy any of these types of insurance over the phone, but most car insurance companies offer discounts when you do so in person, or they’ll offer incentives to make it worthwhile to come into the office.
- Liability coverage / Insurance
Most states in the United States require liability insurance as a legal requirement to operate an automobile. Liability insurance can assist pay for injuries and property damage to others for which you are legally accountable as a result of an accident.
- Collision coverage / Insurance
Collision insurance protects you regardless of who is at blame by paying for damage to your car caused by: Hitting another vehicle or object, another vehicle hitting you, or your vehicle rolling over.
- Comprehensive insurance
What is comprehensive auto insurance, and how does it work? It’s a type of coverage that can assist pay for car damage that isn’t caused by collision. Comprehensive coverage relates to the following types of damages:
Vandalism, theft, Accidents involving animals, certain falling objects, such as tree branches or debris Fires, civil commotions and explosions, hail damage, and other weather events
- Underinsured motorist insurance
- Uninsured motorist insurance
- Medical payments coverage
- Personal injury protection insurance