If you drive in North Carolina, there are many types of coverage that you need to have in order to be compliant with the law. These types of insurance protect you against a number of issues that can come up after an accident, and they keep you on the road legally. If you don’t yet have aunt insurance or want a new provider, give us a call now at Don Allred Insurance in Burlington, NC.

Liability Insurance Types

Bodily injury liability and property damage liability are both required by the state. Bodily injury includes at least a minimum amount for one person who becomes injured in an accident that you are responsible for. Another amount is mandated for everyone who was injured in the accident. Another type of liability coverage required is property damage. This includes a specific minimum amount for the property damage that is caused to another person’s vehicle, building, etc., in an accident that you caused. 

Two Types of Uninsured Motorist Coverage

This type of coverage is required in case an accident with you is caused by someone without auto coverage. This includes a minimum amount required for property damage to your vehicle, home, etc. Another amount is required for bodily injury that is for one person. A separate amount is required for everyone who was injured in the accident with the uninsured motorist. 

Optional Types

There are also optional coverage types that you can get to be even better insured. Collision insurance pays for your property damage if you cause an accident and your vehicle is damaged. You can also choose comprehensive insurance, which pays for a number of things that can happen to your vehicle when you’re not driving it. 

Get Your Auto Coverage

When you need auto insurance, you can give us a call at Don Allred Insurance in Burlington, NC.

For many college students, this is the first time in life that they are making their own insurance decisions. If you are a college student and you want to make the best decisions about your auto insurance policy, Don Allred Insurance understands your needs. These tips will help you choose a Burlington, NC insurance policy that meets your needs.

Learn the Basic Terms

It is important that you first learn the basic terms associated with auto insurance. You need to know the different types of coverage options and what they cover so that you can buy a policy that benefits you. This means you need to understand liability insurance, which covers damage you cause, and comprehensive insurance, which covers damage to your car not caused by driving.

Consider How Often You’ll Use Your Car

Many new college students overestimate how often they will use their vehicles. You may be able to save money by choosing a policy that assumes you will be leaving your vehicle at your parent’s house throughout the school year, for example.

Ask Your Insurance Agent About Student Options

For many students, getting good grades can pay when it comes to car insurance. Make sure to ask your auto insurance professional about any options that are specific to college students, as they may help you decide which policy is right for you.

When you do need to find the right auto insurance for your needs, Don Allred Insurance will be there for you. We help many Burlington, NC students and drivers find what they need. Contact our office today to learn more about college students and auto insurance.