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Auto insurance is a financial safety net that protects drivers and passengers if they're in a car accident. Anyone who drives a car or has a license should carry insurance (even if they don’t own a car right now). It provides peace of mind for drivers by reducing the financial risk of an accident. Your insurance can help cover the cost of vehicle repairs, medical bills, and damage to public and private property so the driver isn’t on the hook for financial loss that occurs.

The coverage limits of your auto policy determine how much money your insurance company can pay for various expenses so you are paying less – or even nothing – out of pocket in the event of a crash. The higher your limits, the more security you have, and the more bills your insurance company can absorb. If you want great protection but also want to save money up front on your insurance, you can choose a deductible that determines how much money you're willing to pay into certain expenses before your insurance will help cover your costs.

The most common areas of protection include:

1. Comprehensive: covers damage to your car not caused by accidents (think: acts of nature or bumps and bruises to your car outside your control).
2. Collision: pays for damage you cause to your vehicle resulting from a crash. Remember, if someone else hits you, his or her insurance covers this cost.
3. Bodily Injury: takes care of medical expenses for people injured if you cause an accident. Medical expenses add up fast, so talk to your agent about which limits are right for your needs.
4. Property damage: includes damage to other peoples’ cars, public and private property.
5. Medical: supports your healthcare costs.

There are many other amazing benefits to having auto insurance, such as 24/7 roadside assistance in case you run out of gas or get a flat,and protection for your lease or financing if your vehicle gets totaled. Talk to your insurance agent about how to balance the value of protection against your financial needs.



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