What Are the Different Types of Auto Insurance?

Auto insurance may seem like a big, unnecessary monthly expense. That is, until you find yourself in a situation where you need it. Suddenly, it goes from sunken cost to money well spent in an instant as you see the high cost of repairing or replacing a vehicle. In addition, not carrying insurance is illegal in many places. Let’s look at the most common types of auto insurance in Glendale AZ.

Auto InsuranceLiability Insurance

If you cause a vehicular accident or are legally responsible for damaged property, liability coverage will help pay the costs to repair or replace anything that needs fixed. Generally, liability insurance is required by law in most states, and is considered the bare minimum necessary auto insurance in Glendale AZ.

Collision Insurance

With collision insurance, your vehicle is covered regardless of whether you or another driver is at fault after an automobile accident occurs. After paying a deductible, the cost or replacing or repairing a car covered by collision insurance will be paid by the company providing auto insurance in Glendale AZ.

Comprehensive Insurance

Comprehensive insurance takes coverage to another level beyond collision insurance. With comprehensive coverage, the insurance company will pay out to repair and replace many damages not caused strictly by automobile accidents, including severe weather like hail or storm damage, vandalism, or run ins with animals like deer.

Other Auto Insurance Niches

While comprehensive insurance covers most typical concerns, some vehicle owners want to beef up their coverage with specific niche policies. For example, if you own a vintage vehicle, you may wish to carry classic car insurance. If you are concerned about being sued for causing injury after an accident, personal injury protection insurance can help. Uninsured or underinsured motorist insurance may make up the gap between another person’s liability coverage and the true price of repairs.

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