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5 Questions You May Have When Shopping For Auto Insurance

by Sue Palmer

If you need to purchase auto insurance, know that there is not a single policy that works for everyone. With so many different types of coverage available, you'll likely have these questions about what to buy.

What Is Med Pay Coverage?

Med pay coverage is designed to cover the medical bills of each passenger in your vehicle if you were to get into an accident. There will be a maximum coverage amount for each person, and potentially an upper limit of how much total med pay coverage is provided. 

What Is Comprehensive Coverage? 

A good way to understand comprehensive coverage is to think of it as everything except collisions. This is the type of coverage that you get when you want protection from vandalism, theft, and things of that nature. The only exception to this is if you were to hit an animal while driving and damage your vehicle.

What Is Full Glass Coverage?

What makes full glass coverage different from other types of coverage is that you do not have to pay a deductible in order to use it. You can use your full glass coverage to repair any damage to windows, such as chips or cracks that happen from impacts from stones on the road. 

Keep in mind that you do not need full glass coverage to fix your windows in a major accident. You'll be paying a deductible and all your window damage will be covered in your claim. 

What's The Maximum Coverage You Can Receive If Your Vehicle Is Totaled? 

Be aware that your car insurance coverage is only worth as much as the value of your vehicle. This is not the amount that you paid for your vehicle, but how much your vehicle is worth if you were to sell it at the time the accident happened. This means that you will want more coverage for your vehicle when it is brand new, and then less coverage for the vehicle as it gets older and depreciates in value. 

Does Insurance Pay For Your Rental Car? 

If you need a rental car while your vehicle is being repaired, know that insurance doesn't typically cover the cost unless you buy additional coverage. This is typically part of comprehensive coverage as an add-on, and will ensure that you are never without a vehicle. 

Reach out to an auto insurance agent if you have more questions about purchasing an insurance policy.

For more information on auto insurance, contact a professional near you.


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Insure Your Future

Purchasing insurance — the right insurance — is one of the smartest things you will ever do. While there are definitely differences between homeowners, car, life, and health insurance policies, they all serve the same purpose when it comes down to it. Insurance protects you against financial ruin should a tragedy happen in your life. In the case of homeowners insurance, that tragedy could be a fire or a flood. In the case of life insurance, that tragedy would be your death. The more you learn about insurance, the better the decisions you'll make when purchasing it. So dive into the articles here, and start reading.