Whether you’re buying your first car or your fifth, you’ll need to get auto insurance to protect it. Even experienced drivers can have trouble deciding exactly which types of coverage they need. Thankfully, you don’t have to make these decisions on your own. At Jerome and Summey Insurance Agency in Brevard, NC, we take time to educate our clients about the different types of auto insurance that are available. Here are a few facts you need to know about four basic types of auto coverage.

  1. Comprehensive: If your car is damaged from anything besides an accident on the road, comprehensive insurance will cover the cost of repairs. This coverage kicks in when your vehicle suffers damage from things like severe weather or vandalism.
  2. Collision: If your car is damaged in an accident, collision coverage picks up the tab. This includes if you hit something or if another driver hits you. This type of insurance typically covers damage caused to your vehicle up to its current estimated value.
  3. Liability: If you’re found at fault for a wreck, liability insurance will help cover the costs for any damages inflicted to all parties involved in the wreck. This includes both physical injuries to the drivers and passengers as well as damages to the vehicle.
  4. Uninsured/underinsured coverage: If an uninsured or underinsured driver crashes into your car, this type of coverage can help cover the costs of any damage done to you or your vehicle.

In addition to understanding the types of auto insurance, you must also figure out the amounts of coverage you want. That’s where our agents come in. They’ll help you decide what’s best for you and your family so you can be prepared in the event of an accident. And because we’re a member of the Trusted Choice network of independent insurance agencies, we can help you find the right policy for your needs. If you’re looking for Brevard, NC insurance, request a quote today!