Auto insurance is a complicated matter. Many people have an auto insurance policy, but they do not always understand what coverages they have or how they work in the event of an accident. Discover the basic components available in an auto policy and find out how to obtain the coverage that works best for your situation and budget.

• LIABILITY COVERAGE – Provides coverage for costs associated with another person’s bodily injuries and property damage, resulting from an at-fault accident. Liability coverage is often mandated by law, so it is important that you, as the driver, make certain you have an adequate amount.
• COLLISION COVERAGE – Helps to pay for damages to your vehicle, whether the damage is the result of a collision with another vehicle or an object, such as a wall, barrier, or bridge.
• COMPREHENSIVE COVERAGE – Can provide coverage for damages to your vehicle resulting from something other than a collision. This would typically include things such as theft, fire, hail, or vandalism.
• MEDICAL PAYMENTS – Can help pay for medical expenses incurred by the driver or passengers in your vehicle during an accident, regardless of who is at fault. Medical payments coverage varies from state to state, so make certain you are covered as expected.

Now that you understand a bit more about some of the basic coverages available in an auto policy, you are probably ready to find the right coverage for you. The best way to do this is to work with one of our independent agents that will take the time to learn about your needs and allow you to compare insurance quotes. By doing this, you can rest assured that you are getting the best deal, as well as getting the personal attention you deserve.