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By law, auto insurance is a necessity, but choosing the right coverage plan isn’t quite as cut-and-dry as many individuals believe. The agents at Zimmerman Insurance Agency want High Point, NC, drivers to fully understand all of their insurance options.

Learning about the various policies can save you money both in the short and long term. Here are some of the most common types of auto insurance:

  • auto insuranceLiability: Liability insurance is the bare minimum required by most states. It covers damage to other vehicles after an accident and medical bills for the other driver and passengers. Such a basic policy won’t cover damage to your vehicle or damage from uninsured motorists.
  • Full Coverage: The combination of collision and comprehensive policies is commonly referred to as “full coverage.” Collision insurance is usually the minimum coverage required by auto loan companies. It covers damages for your car in the event of an accident. You can also extend your coverage by adding comprehensive insurance, which covers damage from unforeseen damages like storms.
  • Medical: Medical costs are often included in full-coverage policies, but it typically comes with restrictions on the expenses that will be covered. You can add personal injury protection to increase the amount of your coverage.

By knowing the differences between these policies, you’ll avoid paying for accident insurance you don’t need. You’ll also save money and stress in the long run by making sure your coverage won’t require you to pay an unreasonable deductible in the event of an accident.

Not sure if your current auto insurance covers everything it should? Zimmerman Insurance Agency will review it with you and suggest changes based on your personal needs. Simply call the High Point professional insurance brokers at (336) 883-6512, or visit their website for more information.

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