Auto Insurance

Having auto insurance is required by law and without insurance, the DMV will suspend registration on your vehicle until insurance is obtained again.

A basic policy is comprised of liability, property damage, uninsured motorist and medical and it usually carries a deductible. A financed or leased vehicle also has to have comprehensive and collision coverage, which is optional if you outright own your car.

There are a number of additional coverages available that can be added to a policy, such as towing, rental car, or gap coverage.

When shopping for auto insurance, critically review the insurance limits of the various coverages offered by a company to ensure that you are adequately covered in case of a claim.

The premium for auto insurance is influenced by many factors and cannot be standardized. Coverages, limits, deductibles, discounts, usage and even profession can change the premium; this is why it is important to review your policy to make sure it fulfills your needs.