(530) 622-1835

Auto Insurance

What Is It?

Auto insurance is a must-have when you own a vehicle. Understanding what insurance is and how it works will help you make an informed decision when it comes to purchasing it.

Insurance is necessary when you drive a vehicle. It protects you against damage caused by accidents or “Acts of God”, such as a fire or flood. If you own a vehicle, you will be required by state law to have at least the minimum amount of coverage (known as liability) on your vehicle before you can legally drive.


Who Needs Insurance?

If you own a vehicle in the United States, you will need to purchase an insurance policy. Every state requires drivers to have a minimum amount of coverage.

How Does It Work?

Insurance covers you and your vehicle in the event you are in an accident. Depending on the type of coverage you have, your car will be insured if you are hit by another driver or if you are the one at-fault in an accident. It will also cover medical expenses for you and the passengers of the car if anyone is hurt in an accident. However, different policies cover different cases.

Different Types of Coverage

The main types of coverage are comprehensive, collision and liability. Comprehensive coverage covers your vehicle if something happens that is not the fault of you or another driver, such as fire, theft or flooding. Every insurance company will require a deductible to be paid before they will pay for the repairs to a vehicle, usually between $250-$500. Collision covers the vehicle in the event that your vehicle is damaged by another vehicle or if you are the one who is at-fault.

There are many other options to choose from when you purchase insurance for your automobile, such as rental, liability and medical. Your insurance agent will go over your options when you purchase a policy, or you can read about them online and choose for yourself.

Major Benefits

Having insurance for your vehicle is important as even the simplest of repairs can cost hundreds or thousands of dollars. You’ll have peace of mind knowing your car or truck is covered in the event of an accident.