The New Year is always a time for change. People make resolutions to get in shape, lose weight, or to be more organized, just to name a few. It is also a good time to reassess all of your insurance coverage including your auto insurance. Many people purchase new cars at the end of the previous year, or at the start of a new year. But, even if you haven’t, it’s a good time to reassess your present insurance coverage. It’s a new year. Do you need a new auto insurance policy?
Is Minimum Coverage Enough?
Your state dictates the minimum insurance coverage that you are allowed to carry. Carrying the minimum coverage will save you money and carrying a higher deductible will too, because your premium will be lower. However, you should consider whether or not the minimum coverage will be sufficient if you were ever to report a claim.
What Coverage Do You Need?
Comprehensive Coverage: comprehensive insurance coverage pays when your car is damaged due to such reasons as weather or vandalism, or if your car is stolen.
Collision Coverage: If your car is brand new it is important to carry collision coverage. The cost to repair even the smallest dent can be expensive these days. Collision will pay to repair your car in case of an accident.
Two of the most handy types of insurance coverage to have include rental reimbursement coverage and roadside assistance. If your car is being repaired or you need to purchase another vehicle due to an accident, rental reimbursement coverage will pay for a rental car so you can still get around. In case of an accident, flat tire, or if your car breaks down, roadside assistance can cover the following:
- Flat tire change
- Fuel delivery
- Jump start
ABOUT YOUR DALLAS, TX INSURANCE COMPANY:
With over 20 years of experience in the insurance industry, the Jeff Van Matre Insurance Agency can help you choose the right coverage plan to protect your personal and business assets. To learn more, or to get a free quote, call our Carrollton, TX office today at 972-492-8500.