Before you commit to a car insurance plan with an insurance provider such as Heidi Kussurelis Agency of Brighton, it is important to make sure you understand the basics of car insurance. Chances are pretty good you’ve had some kind of car insurance policy ever since you were old enough to drive. However, how much do you really know about Car Insurance in Ann Arbor?
Liability Insurance
In just about every state, you need to have at least liability insurance. This is because it will cover the cost of damages that you do to someone else’s vehicle. However, it is important for you to keep in mind that this kind of coverage is not going to cover your injuries or damages to your car. It is only to cover someone that you get in a wreck with.
Insurance companies such as Heidi Kussurelis Agency of Brighton break down their liability coverage into three different numbers when they are giving you a quote. For example, they may give you the number sequence 50/200/25. The first number in this sequence, in thousands, is how much they will pay for every person other than you who was injured in the accident. The second number, also in thousands, is how much money the company is willing to pay out for an accident. The third number, which is in thousands as well, is how much money the company will pay out for property damage.
Other Types Of Coverage
Other types of car insurance coverage include collision and comprehensive coverage, personal injury protection, and uninsured motorist coverage. Naturally, each of these types of coverage comes equipped with their own benefits. Uninsured motorist coverage is beneficial because you cannot control the other drivers. What happens if you wreck into someone, it was their fault, and they do not have insurance? Personal injury protection is referred to as “no fault” insurance. This insurance is actually required in a lot of different states.
There are things you can do to save money on your car insurance. First of all, you should ditch that towing coverage. It may also be known as emergency roadside assistance. You are only going to use that once in a while. It is going to end up costing you more money than it saves you. You should also find an insurance company that offers payment plans other than paying monthly.
