Automobile insurance has many good points. It can protect you from the cost of liability for an accident, pay for repairs to your vehicle, replace a stolen car, or simply keep you from getting in trouble with the law. Here are a few types of auto insurance and what they can do.
This type of insurance protects you from everything but accidents. If your car is stolen, damaged by a fire, wrecked by a hailstorm, destroyed by an earthquake or other such misfortune, that’s when comprehensive kicks in. The types of risks that comprehensive coverage mitigates are fairly unlikely to happen in any particular week, but as the years go by, you may find yourself using it more often than you expected. San Jose Auto Insurance companies will likely recommend that you get this coverage to protect against California’s many quakes.
As the name implies, this is the type of insurance that fixes your car after an accident. It is a good thing to have for new automobiles, but may not be worth getting if the car is old. The average old car can be replaced for less than what many years of collision insurance would cost you. Still, this type of insurance can be good because few people save up enough money to just replace a car or have thousands of dollars of repairs done at the drop of a hat.
The Bare Minimum
Every locality has different minimum requirements for automobile insurance, but they all require some. Check with your San Jose Auto Insurance agent to find out what is needed for legal driving in California. In many cases, going with the bare minimum will save you a boatload of money -; but at the expense of taking on a lot of risk. Usually, you can expect some sort of coverage against personal liability, property damage, and bodily injury.
It is important to note that this type of insurance is covering damages that you cause and not those that are done to you -; that’s where the risk comes in. You’ll need to buy more insurance or add options in order to protect yourself from damages to your car. You may or may not already have some kind of medical protection as part of this type of coverage. Check with your agent to be sure of the specifics.