From fender benders to hurricanes, when vehicle accidents strike, the right accident insurance policy can be a life saver. Since not all vehicles are the same, many require a different type of insurance policy. The insurance experts at Farmers Insurance Group are here to clarify the main types of vehicle insurance and why they should be your first step in protecting you and the vehicle you worked so hard to purchase.

Car Insurance

One of the most common insurance types, car insurance, protects you in the event of an accident and, sometimes, in disasters like tornadoes or floods. If you drive, you are required to be insured up to your state's minimum coverage level of accident insurance. Sports cars and luxury vehicles cost more to insure than less expensive car types, and owners of these fancier models usually invest in additional coverage to protect their vehicle in an even wider variety of situations. These might include inclement weather, vandalism, and other unforeseen disasters.

Motorcycle Insurance  

Regular auto insurance won't cover you if you ride a motorcycle, so if you prefer two wheels to four, you'll need motorcycle insurance. Just as with car insurance, more expensive or sportier bikes tend to cost more to insure because they are pricier to fix or replace if something goes wrong. Also, motorcycle modifiers beware: custom parts added to your bike can either cause insurers to raise rates, or to refuse to cover you at all if they think the add-ons create too much risk.

RV Insurance 

RV's, or "recreational vehicles," allow owners to live inside of them for travel or camping. They often include built-in beds, showers, stoves, electricity, and other hook-ups, which make for different potential hazards. These variations of danger mean they require unique types of auto insurance, so if you're thinking of getting an RV, you'll need recreational insurance separate from a car or motorcycle policy.

Auto insurance is just the beginning. Homeowner's, life, and renter's insurance, are all necessary steps to protect your vehicle, home, and family, but the options can be overwhelming. For help with all the different types and what they cover, Farmers Insurance Group can help. Founded in 1928, they've been helping protect what matters most to families for close to a century. Call (417) 926-7900 or visit the experts online to get covered and rest easier knowing you'll be shielded when disaster strikes.