Auto Insurance

What You Need to Know about Your Auto Insurance Policy

What You Need to Know about Your Auto Insurance Policy

Auto insurance is not optional insurance coverage if you operate a motor vehicle on public roads. Most states require you to carry a certain amount of coverage, and your insurance company will notify the state if you let your insurance lapse. 

At Kinder’s Insurance Agency, we specialize in creating insurance policies tailored to your needs. While having car insurance is a requirement, you have some control over what type of coverage you choose. You can even purchase additional coverage for peace of mind. We’re here to explain your options and help you find the best policy.

What’s Included in Your Auto Insurance Policy?

What’s Included in Your Auto Insurance Policy?

Every auto insurance policy includes different components. At a minimum, you must carry liability coverage and uninsured motorist coverage. Most people also carry comprehensive and collision insurance, and for peace of mind, you can purchase additional coverages.

  • Legal Requirements: liability coverage, uninsured motorist coverage
  • Typically Included: comprehensive and collision coverage
  • Additional coverage: rental car insurance, roadside assistance, gap insurance

Your insurance policy should include all the vehicles and drivers in your household. It’s a good idea to get car insurance quotes before purchasing a new car as the make and model of your vehicle affects your insurance premiums. You may also qualify for discounts, such as multi-policy discounts, safe driver discounts, or good student discounts.

Comprehensive vs. Collision Coverage

Comprehensive vs. Collision Coverage

Most auto insurance plans include comprehensive and collision coverage in addition to the required liability and uninsured motorist’s coverage portions. Collision insurance protects you in case of an accident where you collide with another vehicle or a stationary object. 

Comprehensive insurance covers you if an animal or a non-stationary object hits your car. For example, a falling tree branch that damages your windshield would be covered under comprehensive. Comprehensive insurance also includes damage by hail or vandalism and theft.

Additional Coverages You Might Need

Additional Coverages You Might Need

If you only have one vehicle and rely on it to transport you to work or school, it’s a good idea to add rental car coverage to your policy. If your car ends up going to the shop because of damage covered by collision and comprehensive insurance, you can get a rental car for the interim.

You may also elect to include roadside assistance to your auto policy. You can use roadside assistance for a flat tire or running out of gas. With this extra coverage, you can also get your car towed with no out-of-pocket expenses.

FAQs about Car Insurance

What Are the Different Types of Car Insurance Policies?
When you talk about different car insurance policies, most people refer to comprehensive and collision insurance. Collision insurance is the type that covers you in an accident involving another vehicle or stationary object. Your comprehensive policy covers damage by hail or vandalism and theft.


Is Driving without Insurance Illegal?
In most states, it’s illegal to drive without liability coverage. While you don’t have to carry comprehensive or collision insurance, those protect your vehicle in case of an accident or other damage. If you don’t own your car outright, your lender may also require additional coverage. Finally, if you drop your auto insurance, your insurer will notify the state.


Can I Drive Someone Else’s Car on My insurance?
Generally, the auto insurance policy follows the car. If you drive someone else’s car with their permission, their auto insurance covers you in case of an accident. If you frequently borrow someone else’s car, you may want to consider getting a non-owner policy or being added to their insurance.

We’ll Tailor Your Auto Insurance to Your Needs

We’ll Tailor Your Auto Insurance to Your Needs

Your auto insurance should be tailored to your current needs. As your auto insurance agents, we collect all relevant information from you to find you the best policy for your situation. Contact Kinder’s Insurance Agency for a quote today.

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