Drivers in every state are required to carry a minimum amount of insurance, but that coverage is rarely sufficient protection for every situation. Insurance carriers offer an extensive variety of policies, each of which provides protection against different types of threats; however, the complexity of the industry can make it difficult to determine which type is best for you.

According to Fritch Insurance Inc., an independent agency in Beatrice, NE, your auto insurance policy could include:

• Liability Insurance: Most states require that drivers carry insurance to pay for property damage and injuries resulting from an accident they cause. While the minimums vary from state to state, Nebraska requires drivers to carry $25,000 for individual injuries, $50,000 for injuries suffered by more than one person, and $25,000 in property damage.
• Collision Coverage: This critical auto insurance policy covers damage to your own vehicle, even when you're at fault for the accident. Depending on the type of vehicle you drive, you may want to buy additional insurance to protect one of your most valuable assets.
• Comprehensive Coverage: Automobiles are subject to a wide variety of risks and dangers, in addition to the hazards of the road. Comprehensive auto insurance protects against everything other policies don't cover, from animal strikes to weather damage, theft, and vandalism.

The right combination of auto insurance coverages depends on your vehicle, the area in which you live, and your own risk tolerance. The independent agents at Fritch Insurance Inc. have access to policies from some of the industry's leaders, giving them the ability to shop around to find the best auto insurance policy for your specific needs. Visit them online to learn more about their expertise and broad range of services, or call (402) 223-3312 to schedule a consultation and request an auto insurance quote today.