Your car insurance policy provides an umbrella of protection that covers your health, your vehicle, and even your life savings from injuries. As important as this coverage can be, the complexity of the industry can make knowing whether you’ve got the right policy extremely difficult. Below are some common questions you might have when choosing auto insurance coverage.

4 FAQs About Car Insurance

Is the State Mandatory Minimum Enough?

Each state requires drivers to carry a certain amount of liability coverage to protect other drivers in accidents you cause. However, these minimums are usually quite low. In North Carolina, for instance, drivers are only required to carry $30,000 coverage per individual injured in an accident, and $60,000 in total. For most people, this won’t be enough to protect your assets.

What Is Comprehensive Coverage For?

Your car is vulnerable to a wide range of threats, even when you’re not on the road. Comprehensive coverage covers you against these threats, including fire, theft, and extreme weather, like hail and tornadoes.

How Are My Premiums Calculated?

Insurance companies weigh a variety of variables to decide how likely you are to file a claim. Your driving history and the type of vehicle you drive have a significant impact on your premiums, but so does the area in which you live and other factors that may be outside your control.

What Does an Insurance Agent Do?

An insurance agent has the experience to evaluate your situation and help choose a policy that’s best for you. Independent agents work for you, not the insurance carrier, so you can get a policy tailored to your needs.

For nearly 20 years, Tammy Ross Insurance has been guiding Monroe, NC, drivers through the complexities of the market. As independent agents, they work with some of the top carriers in the industry, giving them a wide portfolio of products to choose from. Get more tips and advice on Facebook, and call (704) 233-4981 or just visit their website to request your free car insurance quote.