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Automobile insurance is a necessity. State laws require that you at least have liability. However, what and how much coverage you have, should be dependent on your vehicle and your personal needs. In addition to state requirements, you must also consider how often you drive, what you use your car for, and the others that will be riding in the vehicle with you. You should also consider other people who will be driving your vehicle as well.
State Requirements
Don Allred Insurance serves Burlington, NC and is committed to helping potential insurance shoppers invest in a policy that meets the state requirements as well as their needs. Most states require all drivers to purchase liability insurance. This insurance protects other drivers in the event that you cause an accident where you are at fault. This insurance covers damage to the other person or peoples car as well as anyone who is hurt as a result of the accident.
Your Vehicle
If you are financing your vehicle, you may be required to carry full coverage insurance. This insurance covers the vehicle in the event of total loss or damage. However, if your vehicle is paid for, you may want to purchase additional coverage in the event that you are in an accident or non-moving violation and your vehicle is damaged. This insurance will cover damage to your vehicle in the event that the other motorist is uninsured or underinsured. However, how much coverage you purchase should be dependant on the age of your car as well. If your vehicle is fairly old, purchasing a lot of coverage may not be in your best interest. This is primarily because the cost of the damage your car sustains in an accident may exceed its value. If this happens, your car will be considered a total loss by your insurance company. This is why you should choose coverage levels realistically and with your vehicle in mind. You should also consider how you use your car, how many miles you drive annually, as well as who will be riding in your car.
Other Factors
Your credit and driving record may also determine who will insure you. If you have poor credit or a poor driving record it may be difficult to find an insurance company willing to offer you coverage. In situations like these, you may have to pay a little more or go with an insurance company that’s willing to deal with driving issues and challenged credit. As a result, consider your credit and driving record in addition to state requirements and your vehicle.
Choosing the best auto insurance coverage isn’t rocket science. However, it does require taking an honest look at your personal situation as well as state requirements and your vehicle. Consider all the factors that will affect you and your ability to drive your vehicle safely. Choose the coverage that will meet your needs as well as adequately cover your vehicle and its passengers.