Auto insurance is extremely important to have, and in most states it is required by law to have at least basic liability coverage. However, many people don’t truly understand their policy or what it covers. It can be especially difficult to try to choose the right policy for your needs if you have never shopped for auto insurance in Baltimore before. If you feel like shopping for auto insurance is like learning a foreign language, here are a few of the basic things you should know before choosing a policy.
What Types Of Auto Insurance Coverage Are Available?
You are probably most familiar with liability coverage, which offers you financial protection by covering the damages that you may cause to another vehicle or person in an accident. However, here are some other types of auto insurance in Baltimore coverage that you should be aware of as well:
- Collision coverage provides financial compensation for damage that may happen to your vehicle or your property as the result of an accident.
- Comprehensive coverage protects you financially if your vehicle is damaged by something other than an accident. Comprehensive coverage will protect you from theft, trees falling on your car, vandals, and other non-collision damages.
- Uninsured or underinsured motorist coverage will pay for your injuries and in some cases will pay for damage done to your car by a motorist who does not have liability insurance or who doesn’t have enough coverage to adequately cover damages to your person or your vehicle.
- Towing coverage will pay for your car to be towed after an accident.
If you aren’t sure which type of coverage you need, be sure to discuss your needs and preferences with your insurance agent before choosing an auto insurance plan.