We understand purchasing car insurance can be a daunting process.

 

Especially as we start looking for quotes online, the sheer amount of insurance jargon can make it feel like a confusing minefield.

 

Plus, it’s hard to navigate through the banks (comparing them side-by-side), the different types of coverage, and what your policy should look like.

 

But matter what type of policy you’re looking for, you can find it quickly and easily.

 

This blog will help you understand how car insurance works and what goes into buying auto insurance.

 

Step 1: Determine Liability Coverage

 

Liability coverage pays for repairs, medical bills, and legal costs if you’re at fault in an accident. The minimum amount of liability coverage required by law varies by state. However, most states like Texas require a policy that provides a minimum of $25,000 for each person and $50,000 for every accident.

 

If you have assets such as a house or savings account that could be seized in the event of a large lawsuit against you, consider increasing your liability coverage.

 

Step 2: Determine Collision Coverage

 

Collision coverage pays for repairing damage to your car in the event of an accident. It also covers accidents caused by potholes.

 

It’s important to choose a deductible that you can afford. A deductible is the amount of money you pay toward a loss before your insurance company begins paying a claim

 

Step 3: Understanding comprehensive and uninsured insurance policy

 

• Comprehensive: Collision pays for damage to your vehicle from accidents, but comprehensive pays for damage from everything else — hail, fire, theft, falling objects and more.

 

• Uninsured/underinsured motorist:

 

1. Uninsured motorist bodily injury coverageaccounts to pay for majorly hospital bills and personal injury expenses if you or a passenger is injured in a crash where the uninsured driver is at fault.
2. If an underinsured driver caused the accident, your own uninsured motorist property damage coverage could pay for repairs to your car, up to your chosen policy limits.

 

Factors Affecting Car Insurance Quote

 

• Your driving history(number of accidents and tickets)
• Your age and gender
• Your marital status
• The make and model of your car

 

Insurance Coverage Documents Explained

 

When you get car insurance, your policy will include a series of documents like:

 

Declarations Page

 

This is the cover sheet for your policy that lists important details about you and your car (make, model, year, VIN) as well as your coverages and deductible.

 

Information Page

 

This page explains the terms used in your policy.

 

Coverage Pages

 

These pages explain what your coverages are, how they work, and how much they cost. They also lay out the exclusions that each coverage has that could make you ineligible for a payout if you file a claim.

 

Endorsements

 

Endorsements are additional conditions under which coverage applies or doesn’t apply to certain vehicles or drivers on your policy. For example, a teen driver’s endorsement might restrict how many miles they can drive per day or prohibit them from driving between certain hours at night.

 

Looking for a reliable auto insurance agency in San Angelo, Texas? Find the best service and value for your money at Pronto Insurance.

 

We are a trusted name in the automobile insurance industry providing insurance for cars, watercraft & boats as well as motorcycles.

 

Contact us today to review your options and find the best auto insurance policy that meets your needs.