What is car insurance and why do I need it?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
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Could you afford to buy another car like the one you had if yours was stolen and not recovered? If the answer is no, you should probably have comprehensive coverage. And if you’ve financed the vehicle, your lender likely requires you to have a policy.
Roadside car fires are a staple of morning traffic reports, and they’re inevitably accompanied by rubbernecking delays. But if this happens to you, comprehensive insurance would pay to replace it.
Deer strikes tend to get the most attention, but your car could be severely damaged by a collision with another wild animal, such as a moose, a large domestic animal, such as a dog, or even livestock.
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There are many car insurance companies out there. Each with their own commercial scheme and tagline. It is crucial you read reviews on insurance companies before you commit to one. If you have an accident, you want someone you can rely on to help you get through it. Be smart and do research.