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Picking the right auto insurance policy is a lot like finding your dream car: It takes time, effort and a whole lot of patience. Every insurance carrier offers different coverage types, rates and discount opportunities, so it pays to review all your options before signing up. There are a ton of websites that allow you to point, click and choose coverage, but are you really sure you’re making the right choices? With so many available options, it pays to speak with an expert to ensure you don’t leave yourself exposed, as the worst time to find out you’re not properly covered is when you go to file a claim. To select the best auto policy for your unique needs, speak with National Advisors Group today.
First, it’s important to note that each state has different laws that determine which types of auto coverage you need and the minimum limits your policy must possess. Auto insurance acts as a contract between you and your insurance provider, outlining the specific expenses each party is responsible for paying after a motor vehicle accident.
In most cases, auto insurance covers the repair and replacement costs of your vehicle, the medical bills of passengers who are injured, and any liability issues that may stem from a covered incident. While every policy features different coverage guidelines and reimbursement limits, nearly all provide some protection in three key areas:
Repairing or replacing a damaged vehicle can be costly, especially if you have to pay out of pocket. Luckily, auto insurance offers several coverage options that can help you get back on the road as quickly as possible.
If you or your passengers are injured in a vehicle collision, this type of auto insurance coverage will help pay for medical care and physical therapy costs.
This type of insurance coverage pays for damages, medical care and lost wages for other drivers or passengers if you’re found at fault for a vehicle accident. Unlike some forms of auto insurance, liability coverage is required in most states.
It rarely makes sense to choose minimum coverage, but that is typically what is quoted in order to provide the cheapest price. The best way to save on your auto insurance is to take advantage of policy discounts offered by your provider, including safe driver, customer loyalty and equipment-related programs. Bundling your home and auto policies can significantly reduce your overall insurance expenses, so be sure to contact National Advisors Group to obtain a customized policy package.
Working with an independent insurance agency can help you assemble the best coverage options from a variety of top-rated carriers. If you’re looking to maximize your auto insurance coverage, reach out to National Advisors Group to complete a free Personal Risk Review today!