Home » Insurance » Auto Insurance » Understanding Car Insurance

Independent insurance agents of CT

Understanding Car Insurance

Everyone who drives a car should carry auto insurance. This type of policy is a great way to minimize your risk on the road. The Independent insurance agents of CT can help you choose the right policy for your needs. Here are a few things to understand about car insurance.

Comprehensive Vs. Collision

When you are shopping for coverage, you usually have to choose if you need comprehensive coverage, collision coverage, or both. Comprehensive coverage protects you from losses that were not caused by an actual collision. Some examples include glass repair, contact with animals, and vandalism.

Collision coverage will protect your car from physical damage that happens during an accident. This is arguably the most important coverage option to purchase, because it is the most costly to fix.

Liability Coverage

Comprehension and collision coverage will protect your car, but they do not protect you from the damage your car could cause to another vehicle or someone else’s property. For this reason, it is important to carry liability coverage. This type of coverage is usually required by most states.

Depending on the condition of your car, you may need or want different insurance to minimize your risks. For help, it is a good idea to contact independent insurance agents of CT. They can help you with all your insurance needs.