When it comes to purchasing auto insurance, you are going to have an agent tell you that there are different levels of coverage to invest in. Ideally, you will assess your needs and then choose a level of coverage that best complements your needs and preferences. As you can imagine, the higher the level of coverage, the more expensive the policy is likely to be. You can, however, shop around for different policies to ensure you get the lowest rate possible. To keep things simple, McCormick Insurance Inc. serving Pembroke Pines, FL has put together a helpful go-to guide outlining the three basic forms of auto insurance.
In most states, all car owners must buy a liability policy with a coverage minimum that meets state requirements. In the state of FL, this minimum is $10,000 per injury per person and $10,000 property damage liability. If you don’t have a policy that meets this minimum limit, you are not driving in compliance with the law, and if you were to be pulled over, you very well could receive a ticket. Liability coverage simply means any injuries and property damage caused by you will be covered up to a certain limit.
Liability and Comprehensive
With liability and comprehensive coverage, you get peace of mind in knowing you may be compensated for hitting a deer or some type of property damage that was not your fault.
Liability, Comprehensive, and Collision
With this type of full coverage, not only will property and injury coverage be provided, but you also get to rest easy knowing any damages to your car will likely be covered by your own insurance.
To learn more about the different types of insurance, contact McCormick Insurance Inc. serving Pembroke Pines, FL.