When you’re searching for savings, you may only look to an auto insurance quote to tell you what you can expect to pay on your monthly premium. However, Alcorn Insurance Agency recommends that all drivers look through estimates thoroughly to make sure the rate is giving them the coverage they need.

According to this Chama insurance agent, these are some important details that should be included in your auto insurance quote:

• Bodily Injury Liability: This element of coverage details the amount your insurance will provide to cover medical costs to other people in the event you get in an accident. This type of coverage is required by all states, including New Mexico.
• Property Damage Liability: This type of coverage is also required in all 50 states. It refers to the amount you will be covered for if you cause any type of property damage while driving.
• Personal Injury Protection: If you want to cover your own personal injuries that may occur as a result of an auto accident, this is coverage you’ll want included in your car insurance quote. Sometimes, this may not be necessary if your health insurance already offers protection.
• Uninsured/Underinsured Motorist: This is the amount you can be covered up to if an uninsured or underinsured motorist hits your car. This is often recommended in New Mexico, as the rate of uninsured motorists is as high as one in four drivers.
• Collision Coverage: When you need auto repairs after an accident, your collision coverage will help cover the costs. Keep in mind that you will have to pay a deductible, which should be listed in your quote.
• Comprehensive Coverage: Comprehensive coverage can pay for auto replacement or repairs if it is damaged outside of an accident. For instance, if storm damage causes auto body damage. If the dealership you lease a vehicle from requires you have full-coverage car insurance, you’ll need to have both collision and comprehensive as part of your policy.
• Roadside Assistance: This is a great item to have included in your car insurance policy. For a small fee, you can have extra assurance that towing and emergency roadside repairs will be covered.

The more you understand these elements, the easier it will be to compare auto insurance quotes offered by different providers. As an alternative, you can turn to the experts at Alcorn Insurance Agency in Chama, NM. This independent insurance agency is recognized for providing complete, detailed quotes, while also offering informed assistance at incredibly low rates. Call them today at (575) 756-2197 to discuss affordable insurance options.