As one of your most important investments, it’s essential to protect your car with the right type of insurance. If you have been asking yourself what car insurance you need, wonder no more: Here’s everything you need to know.
Car Insurance Basics
Although insurance requirements vary depending on your location, most states require car owners to carry at least bodily injury liability and property damage liability.
Bodily Injury Liability covers costs associated with injuries or death that you or other driver cause while driving your car.
Property Damage Liability, on the other hand, protects you financially from damage that you or other driver operating your car cause to another vehicle or to property such as fences or buildings.
In addition to these two coverages, some states also require drivers to carry Personal Injury Protection (PIP) and Uninsured Motorist coverage. PIP covers medical expenses for injuries to you or your passengers, while Uninsured Motorist Coverage protects you when an accident is caused by an uninsured driver.
Even if your state doesn’t require you to carry PIP and Uninsured Motorist Coverage, adding them to your policy is a good idea because this way you get more comprehensive protection.
Optional Coverages
Now that we have covered the basic state-mandated types of car insurance, it’s time to delve into optional coverages.
You’ll definitely want to consider these alternatives because, unlike the previous coverages, they DO cover damage to your own car.
Collision offers protection from damage to your car that results from running into anything, from another car to a tree or guardrail.
Comprehensive coverage protects against theft and damage caused by accidents different than a collision, like natural disasters or vandalism.
The windshield are windows are some of the most exposed parts of your vehicle, so it makes sense to protect them with a separate policy. Glass coverage protects those areas of your car. This type of insurance is sometimes included in your base policy, but in some cases you have to purchase it separately.
More Insurance Tips
Want to learn more about insurance? these are some previous posts you can check out for more tips and ideas.
- Use these four tips to save on Car Insurance
- 4 Tips for driving safely during the holidays
- What are the most common life insurance riders?
- Renters Insurance: Everything you need to know
- Avoid these common Boat Insurance myths.
- 10 Essential Home Insurance terms
Contact the Experts in Car Insurance at Delgado’s Insurance
Looking for Car Insurance in Bloomington, Riverside, or anywhere in California? at Delgado’s Insurance, we can help you find a policy customized to your needs.
We have locations in Riverside, California, and Bloomington, California. Contact us today by telephone (951-361-0084, 909-421-9003), email, or through our social media accounts to get a free quote and learn more about our services.
