Auto Insurance


Do you own a car? If so, it’s likely your state requires auto insurance. New Hampshire and Virginia are currently the only states that don’t require auto insurance. So unless you live in one of those states, you’re required by law to carry auto insurance for any car you own.

You don’t have to get an expensive policy with all the bells and whistles. You can keep it simple and get liability coverage. With liability, your insurer will help pay for damages or injuries that you cause during an accident. You can go with the minimum amount required by your state for this coverage. But you might want to go a little higher, as the minimum coverage is often too low to cover substantial damages.

If you only get liability, then you might add uninsured/underinsured motorist coverage. This covers you and your passengers should you get into an accident caused by someone without any auto coverage or too little coverage.

There are several other auto insurance options you can consider. For example, personal injury protection is medical coverage for yourself and your passengers. Your insurer will usually pay no matter who caused the accident. Coverage amounts between $10,000 to $35,000 is common.

You can also get coverage for auto damage that’s not caused by an accident. Comprehensive coverage pays for your expenses in case the auto is damaged from something like a tree falling on it, fire, vandalism, or it’s stolen. You’ll have to pay a deductible, but after that the insurer will cover the rest up to your limit.

There’s also collision coverage, which pays if your auto is damaged in a collision with another object or car (and you’re at-fault).

Auto insurance is beneficial in many ways. Most importantly, it keeps you from paying huge expenses out of pocket. You can also get coverage for roadside assistance, glass repair, and gap insurance.

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