Auto Insurance

<span style="font-weight: 400;" data-mce-style="font-weight: 400;">Your Auto Insurance &#38; What It Covers</span>

Your Auto Insurance & What It Covers

If you want to drive your vehicle on public roads, you must carry auto insurance. Auto insurance is also necessary to renew your car’s registration. Contrary to popular belief, not every auto insurance policy is the same.

Your insurance must cover the legal requirements of your state. Most people also carry comprehensive and collision insurance to protect their car from accidental damage. You can even get coverage to pay for roadside assistance. Our insurance experts can help you sort through the options and create a customized policy for your needs.

Which Protection Is Legally Required?

The legal requirements for auto insurance are different for every state. In Oregon, your auto insurance policy must include bodily injury liability, property damage liability, uninsured motorist coverage, and personal liability protection. It might surprise you, but collision and comprehensive insurance isn’t required, although most people select this type of coverage.

Collision vs. Comprehensive Insurance

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You’re not required to get collision or comprehensive insurance by the state of Oregon. However, if you have a loan or a lease for your vehicle, your lender will probably require you to get full comprehensive and collision coverage.

Collision insurance covers damage to your vehicle if you’re involved in a covered accident with another vehicle. It will pay for repairs to your vehicle or even a full replacement of your car if it was totaled in the accident. Collision insurance also kicks in if you hit a stationary object, such as a tree, if your car rolls over, or if your car sustains damage after hitting a pothole.

Comprehensive insurance comes in handy if anyone steals or vandalizes your vehicle. If fire or a natural disaster causes damage to your vehicle, you would file a claim under comprehensive insurance, too. A fallen tree branch or a collision with an animal are other examples of this type of coverage.

Additional Protection

Your auto insurance policy may include additional protection. For example, you may select roadside assistance, medical payments, or gap insurance. With roadside assistance, you can get your car towed if it breaks down without having to pay a deductible. 

If you don’t have health insurance, covering medical payments through your auto insurance policy can help you get back on your feet after an accident. Finally, gap insurance for your auto loan is important if you owe more than your car is worth. If the car is totaled as the result of an accident, your insurance will only cover what the car is worth.

FAQs about Auto Insurance

How Much Does Car Insurance Cost?

The cost of car insurance depends on several factors:

  • Make and model of your car
  • Age of your car
  • Your driving history
  • Other drivers on your policy
  • Amount of your deductible
  • Coverage limits
  • Place of residence

You can lower the monthly premiums by increasing the amount of your deductible or decreasing your coverage limits. If you’re buying a new vehicle, you can get an insurance quote beforehand to help you decide which car to purchase. You may also qualify for multi-policy discounts or save money by paying premiums in advance.

Why Is Insurance More for Some People and Less for Others?

Car insurance quotes depend on the statistics for your area. A friend in the same city may pay less because they have a different ZIP code than you. The factors you can influence for the cost of car insurance are your driving history, the vehicle you drive, and the amount of your deducible and coverage limits.  

Do Traffic Tickets Affect My Insurance Rates?

Sometimes. A minor traffic violation may not affect your insurance rate, especially if you can opt to take a defensive driving course instead. Some insurance companies also have a forgiveness policy where they don’t punish you for the first offense, whether it’s an accident or a traffic ticket. If you frequently get traffic tickets, your insurance rates will probably go up. 

Let’s Create Your Personal Auto Insurance Policy

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Automobile insurance is not the same across the board. There are many things we can do to personalize your policy for you, saving you money on premiums by selecting only the coverage you need.

Call us today to get a quote for your personal auto insurance policy.