It can be quite confusing when you decide to get a car and then have to find the right insurance for your budget. There are so many different things to consider, that you may not even know where to start.
Here are some of the types of automobile insurance that you may want to consider.
The basic insurance plan is liability only. This plan is usually not enough because it will only cover medical bills. It will not help you fix your vehicle or replace it if needed.
For that reason, you may want to look into collision insurance. This will pay for damage to your car if you were in an accident. If it is totaled, they will give you money to help you find a replacement.
Comprehensive coverage, though expensive, will cover a lot of damage. It will help you fix your vehicle if it gets damaged due to the weather or a fire. It will also help you recoup your costs if it is broken into. Furthermore, it covers vandalism, floods, and even theft.
You may also want to get uninsured and underinsured motorist coverage. This will cover your losses if you get into an accident with someone who doesn’t have enough insurance.
Some people want rental reimbursement coverage in case they need to use a rental at any point. This is optional, but it may be something to consider.
Though you may want to stick to the minimum amount of insurance, you have to remember that you will only have liability, which will cover medical bills, but that may be about it. If you want to make sure that you get enough insurance, contact us today at THINK Insurance & Financial Services in Pomona, CA.
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