Keep Your Car Safe with the Right Type of Auto Insurance

Protect your car with the right type of auto insurance.

Auto insurance is a complicated. There are many types of policies that give you varying degrees of coverage. You can meet the bare minimum required to drive in California, or you can go all out and get top-of-the-line coverage that protects you from everything from scratches to vandalism to weather and other non-collision related damage. Picking the right type of coverage depends on the coverage you need and your budget. Check out what types of auto insurance coverage are right for you. Liability Coverage. This type of coverage is required in most states across the country (including California). Itâ's the most basic type of coverage offered. It covers bodily injury and property damage for other parties involved if youâ've caused an accident. Keep in mind that this type of insurance only protects the other parties involved. It wonâ't cover any of your injuries. You also may want to increase your coverage so that you can rest easy knowing that you have enough to avoid paying out of pocket. Collision Coverage. Collision coverage kicks in if you get into a car accident. Whether you hit a pole or another vehicle, collision coverage gives you the coverage that you need to repair your car. Comprehensive Coverage. Comprehensive coverage gives you the coverage you need to repair damages to your car that are non-collision related. That way if your car is vandalized or if a tree falls on it, youâ're still covered. Uninsured Motorist Coverage. No matter how carefully you may drive, you still will encounter bad drivers on the road. While itâ's mandated by law to have liability coverage, some drivers donâ't have enough, while others donâ't have any at all. In such cases, youâ're left paying for any damages to your car or injuries that you incurred. Invest in an uninsured motorist policy to protect you for hefty out of pocket expenses. Find the type of auto insurance that gives you the best coverage for your needs. For help finding the right policies, contact the professionals at Cook, Disharoon & Greathouse, Inc. Located in Oakland & Pleasant Hill, California, we serve all your personal and commercial insurance needs.