Type of Automotive Insurance

When looking for automotive insurance, there are several options you will need to consider. If you are not sure of what auto insurance to have, or have questions, make sure to contact us. We can advise you on the options, and recommend a plan that is right for you.


Liability car insurance is an important element because it protects you from the financial and legal repercussions of an accident affecting another vehicle, driver, or property. The benefits of liability car insurance will apply if find yourself responsible for damages to others, not to yourself or your own vehicle, in an accident. It is important to assess the exact amount of liability insurance you should purchase in order to derive maximum benefits. Most states require a minimum level of liability insurance, so we can advise you on the coverage needed. Having on the minimum level of insurance means that you are leaving yourself open to a significant amount of risk if damages from the accident exceed your coverage levels. On the other hand, having too much car insurance means you might be paying excessive premiums for coverage you don’t need. It is important to do your research when deciding how much liability insurance you need.


This form of car insurance will pay for damages to your own vehicle in an accident. If you owe any money on your car, you will likely be required by the bank to purchase collision insurance. You will also need to choose a deductible that is right for you. This refers to the part of any damages that you must pay yourself before your policy kicks in. Paying a higher deductible means handing over less each year in premiums because you are taking away some of the burden from the insurance company. If you choose a lower deductible, you will pay more for your policy because the insurance company is assuming more risk.

If you own an older car, you will have the option to consider whether collision insurance is the wisest option. Some financial planners suggest that you should decline collision coverage if your premium comes out to less than 10% of what you will receive when your car is totaled. If you pay a premium of $250 per year on collision coverage, for example, as well as a $500 deductible, the $2,500 you will receive for your totaled vehicle may not justify your costs.

Comprehensive Coverage

Comprehensive car insurance coverage is an extension of collision insurance that covers the vehicle when it is on the receiving end of damages from theft, weather, or fire. When your windshield is struck by a rock over the course of your travels, it is the comprehensive insurance that will pay to repair the crack. If you are not sure what the best policy would be, make sure to contact us and we can explain the policies for you.