Are you shopping around for auto insurance? While most consumers are concerned with affordable rates, most don’t understand the different types of coverage available to them. Bobby Brown Insurance Agency specializes in providing individualized service to each of their Milledgeville, GA, clients. Below, they’ve outlined the different types of auto insurance you should know about.

5 Different Types of Auto Insurance Available to You

1. Collision

If you’re in an accident, this part of your coverage will pay for the repair or replacement of your vehicle. While it’s good to have in most cases, many agents will advise that you only carry it if you drive a newer or more expensive car. If you drive an older car, it might not be worth the increase in your premium.

2. Liability

If you’re the cause of an accident, liability insurance protects you by covering the cost of repairs to the other person’s vehicle. In addition, this type of coverage kicks in to pay for their medical coverage. Most states usually require this coverage in varying minimums. Some even need proof of this insurance before issuing drivers licenses.

3. Uninsured or Underinsured Motorist

It’s not uncommon to hear of drivers without auto insurance. This is a hazard you take on when you drive. That’s why it’s advisable to have uninsured or underinsured motorist coverage. This type of coverage will pay for damages to your car, as well as medical expenses if the driver who caused the accident doesn’t have insurance.

4. Comprehensive

If your vehicle is damaged while parked or in another situation where an accident isn’t the cause of the damage, comprehensive coverage will pay for repairs. While it isn’t always necessary, you never know when your car might be broken into or damaged by falling articles.

5. Personal Injury Protection

The costs of an accident can quickly mount up, especially when there are medical bills involved. Personal injury protection pays for the costs of medical expenses you incur as the result of an accident. This is probably one of the most important coverages to have when it comes to auto insurance policies.

If you’re in the market for quality auto insurance coverage, speak with a qualified agent before making any final decisions. The professional agents at Bobby Brown Insurance Agency have access to the best products on the market, and they will work hard to find you the lowest rates available. Call them today at (478) 453-9496 or visit their website to learn more about their auto insurance policies.