Getting personal auto insurance may seem like a daunting process. Where do you start? What do you need to know? How much should you expect to pay? While there are many complicated components that go into your policy, getting insurance can be simple and straightforward if you do your research first and understand all of the terms that will be used in your policy. Whether you’re new to driving or just new to having insurance, this guide will walk you through everything you need to know about your personal auto insurance coverage so that you can get out on the road with confidence and make an informed decision about your insurance needs.

Does everybody need personal auto insurance?

In short, yes. If you own a car, whether it’s a new sports car or an old clunker, you’ll need to get some form of auto insurance. Not only is it the law, but it’s also a good way to protect yourself financially in case of an accident.

How much does it cost?

Depending on a variety of factors – including your car, your driving history, and the state you live in – your car insurance premiums can vary widely. In general, though, you can expect to pay anywhere from $75 to $200 per month for your personal auto insurance policy.

What does it cover?

Personal auto insurance can cover a variety of things, from damage to your car to medical expenses if you’re in an accident. It’s important to understand what your policy covers so that you can be prepared in the event of an accident. Here’s a quick rundown of what personal auto insurance typically covers

• Liability
• Property Damage
  • Collision
  • Comprehensive or “Other than Collision”
  • Glass
• Medical payments or personal injury protection (PIP)
• Uninsured/Underinsured Motorist Coverage

What now?

Now that you have a better understanding of the main point of the personal Auto policy the next steps is searching for the right carrier to protect you. Having a independent agent on your side is the best course to make sure you get the best protection at a reasonable rate.

Reach out today for a free consultation and a free quote for all your personal Auto Insurance needs. Auto insurance isn’t difficult if you have the right team on your side. Contact Insurit Agency Today!