Car insurance is really important to have and is mandatory for anyone who owns or drives a car in most states. There are still some motorists out there who decide not to get car insurance and because of that some states have uninsured motorist fees for them or uninsured motorist coverage that you can add to your insurance policy in case you are involved in an accident with someone without insurance.
Liability is the most basic kind of car insurance and for Amarillo Insurance you really can’t beat Ivy Insurance. In most places it is necessary to have liability insurance to register your car. If you have liability insurance, you are covered, up to a certain dollar amount for any damage to someone else or someone else’s vehicle that is considered your fault. This kind of coverage is important because, although none of us plan to get in a car wreck, at least if it happens, we will most likely be able to pay for the damages we do to someone else and not have to fear being sued. The most inexpensive car insurance plans usually cover just liability. The downside to only having liability insurance is if you are found at fault in an accident and your car needs repairs. You will have to pay out of pocket for that. Many people who have a car that is old or not worth much money choose to only have liability insurance.
Collision insurance offers a little more coverage. Although you will pay more for it, you and your vehicle will also be covered in the event of an accident, even if it is your own fault. Usually if your car is not paid off, collision coverage is required.
There are even more options you can add to an auto insurance policy. Some people opt for comprehensive coverage in which your insurance company will pay for damages to your car that are not caused by a collision, for example, hail damage, water damage, theft, etc. Some insurance agencies offer rental coverage for if your vehicle is damaged and you need to rent a car while repairs are being done. Others offer towing insurance in case your vehicle needs to be towed.
Choosing an auto insurance plan is not always easy, but talking to an insurance agent can be very helpful. They can steer you in the right direction based on your car, your budget, your driving habits, and your history as a driver. Whatever you choose, make sure you are following the minimum guidelines for your state so that, in case of an accident, you won’t have additional issues to deal with!