Automobile insurance standard coverage means that it is the minimum amount of insurance coverage that is required by law to drive a vehicle. This is the minimum required limit that you must have if you want to drive a car.
Is necessary to have automobile insurance, however before you buy any type of coverage you must know then ins and outs of an auto insurance policy.
Lets see some types of coverage that will help you to make your decision:
Collision coverage: It protects you car when you hit another car, you pay for the repair costs no matter whose fault is.
Comprehensive Coverage: it covers any type of damage that is caused to your car when it is not in motion. For example, damage from wind, weather, natural disasters, vandalism, etc.
Deductible: Is the amount of money that you have to pay when filing a claim.
Glass Coverage: it means that you can get free glass replacement after an accident.
Endorsements: Includes possible discounts and additional coverage that can be offered to you.
There are other types of coverage that you may want to choose if you want them, like no fault, coverage, personal injury protection and property damage.
Anyway the most important thing is to be fully covered so your personal and financial assents are protected in case of an accident. Don’t choose the just the cheapest rates, choose the best coverage.
You need to choose an auto insurance company that is reliable, has good customer service and financial stability. You can also reduce your rates by having a good driving record, low mileage, no tickets and a good credit history.