Auto insurance can be confusing. Many types of coverage are available at different price points, which can make it difficult to choose the right one for you. At Pethel Insurance Group in Kannapolis, NC, we can answer your questions about the different levels of coverage available for your auto insurance.
Levels of Auto Insurance
Auto insurance is available in many tiers, the first being liability coverage, in an amount that is generally required and set by the state in which you live. States may also require coverage for personal injury, medical costs, and uninsured motorists. Collision insurance pays for the cost of repairs to your vehicle as a result of an accident. Comprehensive covers a wide range of perils that can occur and generally adds to your insurance premium.
New car replacement coverage will provide reimbursement for a new car if your vehicle damage is deemed a total loss rather than just for the current value of your car. Other benefits may be included in an auto policy, such as towing coverage or rental car coverage when you cannot use your damaged vehicle.
Choosing the Right Level Can Save You Money on Auto Coverage
Options such as increasing the deductible you pay before coverage begins can help to lower your auto insurance payment. You may also choose to omit comprehensive insurance from your policy, which can help to lower premiums. Your insurance agent can offer advice on what types of coverage are optional and which types are required by law.
We Are Here To Help
Our experienced agents can explain the many levels of coverage that are available for your vehicle. Contact Pethel Insurance Group in Kannapolis, NC today for a no-obligation on auto insurance that fits your needs.