What you should consider before buying auto coverage.
If you are looking for auto insurance coverage, you may be overwhelmed with the sheer number of policies and insurers on the internet. To help streamline the process of acquiring the right coverage for your needs, take these considerations to take into account.
Know the basics.
Familiarize yourself with the basics of an insurance policy. Car insurance is comprised of the following coverages:
- Bodily injury liability
- Property damage liability
- Medical payments or Personal Injury Protection (PIP)
- Uninsured/Underinsured motorists coverage
- Additional coverage, such as roadside assistance
Understand the consequences.
Auto insurance is required by law inNew York state. Your insurance company will issue you proof of insurance that you should keep in your vehicle in case you are asked to present your coverage.If you are caught driving an uninsured vehicle or if you allow another person to drive your uninsured car, you can face serious consequences such as fines and even having your license revoked. Keep in mind that coverage is not only essential, but it’s also a smart financial move.