Car insurance is a necessary aspect of owning a vehicle, but not all policies are created equal. The wide range of options available means there's a plan that matches your needs, but to differentiate it from the rest, you need to understand the variations in policies. Ensure that your auto insurance policy is right for you by reviewing five different types of coverage that you can include in your plan. 

5 Types of Car Insurance Coverages to Choose From

1. Liability

Liability coverage is the basis of even the most basic car insurance policies, and it's legally required by many states, including New York. This type of protection is designed to cover the cost of damage or medical expenses for other drivers resulting from an accident in which you are found liable.

2. Comprehensive

Comprehensive coverage offers protection for non-wreck-related damage. It's often used after hail storms or repairs resulting from auto break-ins. When you purchase a vehicle using an auto loan, you will most likely be required to cover comprehensive coverage.

3. Collision

Collision extends the protection of liability coverage to your vehicle if you're deemed responsible for an accident. As with comprehensive coverage, most lenders require owners to carry collision coverage.

4. Underinsured Motorist

Underinsured motorist coverage is another valuable car insurance option. This component helps protect you and your vehicle if you're hit by a driver without insurance or not enough coverage to pay for damages, repairs, or vehicle replacement as well as medical costs.

5. Personal Injury Protection

Personal injury protection (PIP) is an area of coverage that's often included with liability in standard policies, and it's designed to protect you and any occupants of the vehicle when a collision occurs. While you can utilize this coverage for medical expenses, it can also cover the cost of lost wages and physical therapy.

Keep yourself and your vehicle protected by choosing a car insurance policy built for your needs from the professionals at Consolidated Agency in Rochester, NY. Since 1988, the independent insurance agency has built a reputation for a commitment to their clients. These trusted agents emphasize the importance of customer-centric policies and work to find each person a plan that works for their specific circumstances. Learn more about what’s available online, and request your free insurance quote by calling (585) 467-4110.