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Coverage Options on Auto Insurance

If you’re shopping for auto insurance, you need to understand the various options that are available to you. The options you choose can have a major effect on how much you pay for auto insurance. Here’s a brief summary of the options you can choose.

Liability coverage is not really an option because some level of liability coverage is required on auto insurance policies in all 50 states. You do have an option, though, on the amount of coverage you have on your auto insurance policy. Collision insurance provides coverage for your car if you are in an accident. Comprehensive insurance covers damage to your car caused by anything else, such as vandalism or an act of nature. Medical payments coverage pays your medical bills if you or a member of your family is injured in an accident. Personal injury protection helps you reimburse you for lost income and other expenses caused by an accident.

Many drivers choose to save money on their auto insurance by skipping medical payments coverage and personal injury protection. Many also reduce their auto insurance premiums by choosing a high deductible. They may have to pay more out of pocket if their car is damaged, but they can reduce the cost of collision and comprehensive coverage by as much as 20%.