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There are many different ways to structure your auto insurance to get the coverage you need, and Alcorn Insurance, an independent insurance agency in Chama, NM, can help you find the right option for you. According to these experienced insurance agents, the first step to get the right auto insurance is to decide between full-coverage car insurance and basic liability insurance.

Not sure what the difference between the two is? Here, Chama’s top insurance agents will explain.

What Is Liability Insurance?

Liability insurance is required of all motorists, and it protects you when it comes to damages to property or physical injuries that occur as a result of a collision. Drivers can purchase liability insurance at many different levels, but generally, the higher your premiums are, the more comprehensive the coverage is.

full coverage car insuranceWhat Is Full-Coverage Car Insurance? 

Full-coverage car insurance includes liability insurance, but it goes a step further and covers you for damage that goes beyond a basic collision. If your vehicle is damaged due to a natural disaster, if your window is smashed and your sound system is stolen, or if your car is totaled in an accident, full-coverage car insurance will protect you.

What’s The Best Auto Insurance For Me? 

Finding the best auto insurance for you is all about balancing what you can afford with what you want to protect. The more coverage included in your plan, the higher your monthly rate will be, but it may well be worth it! Talk to an insurance agent to figure out the perfect choice for you.

For auto insurance quotes and products you can count on, reach out to the team at Alcorn Insurance! You can visit them online or call them directly at (575) 756-2197.

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