There are several coverages included in auto insurance, each of which covers a different aspect of your risk as a driver. Here is a brief overview of the most common coverages:
- Liability: Liability coverage will pay for repairs, property damage, and
medical costs for injuries suffered by others in the vehicle, plus other
expenses related to an at-fault accident such as legal fees.
- Collision: If you hit another vehicle or an object, your collision
coverage will pay for to repair the damage to your vehicle after you pay a
- Comprehensive: Also known as "other than
collision," this pays for losses to your vehicle if it suffers damage
from something other than an accident, such as a tree falling on your
- Uninsured/underinsured motorist: Pays for
injuries and property damage you suffer in an accident when the driver at
fault either is uninsured or does not have enough insurance to cover your
injuries and damage.
Additional coverages can be purchased to cover things like
medical expenses, rental vehicles, and roadside assistance.
Does Auto Insurance Work?
Auto insurance helps you to
recover from damage, injuries, and expenses related to a collision or other
incident. When you purchase a policy, you'll have a deductible that must be
paid before benefits kick in.
In the event of an accident, you would pay your deductible
and then receive financial coverage or reimbursement up to your policy limits.
Each type of coverage you purchase will have its own limits, and every state
has minimum limits that they require of drivers.
Auto Insurance Important?
Whether you're on the road or your vehicle is parked
outside your home, there's a risk of an accident that can result in damage for
you and your vehicle. Auto insurance provides a safety net when drivers make
mistakes or unexpected things happen.
As a driver you're responsible for any injuries or damage
you cause to others when driving your vehicle. If you're in an accident with an
uninsured driver you'll be responsible for your own injury and damages as well.
These costs can add up, and the lower the amount of auto insurance coverage you
have, the more you have to pay out of pocket.
Auto Insurance Required?
Forty-seven states require vehicles to have some level of
insurance coverage before they can be on the road. Failure to have insurance
can mean a fine and/or jail time in these states, not to mention suspension or
revocation of your driver’s license.
In most of these states, the minimum required coverage is
liability insurance to cover damage and injuries you may cause, though a
handful of states require additional coverage, such as collision and
Expensive Is Auto Insurance?
The national average cost for auto insurance is $1,311.
While rates vary from state to state and take into account a variety of
factors, car insurance is usually fairly affordable.
The factors that affect your costs include
whether your vehicle is new or used, the overall safety rating of the car, your
driving record, your age and gender, and even your ZIP code, as certain areas
tend to have a higher occurrence of accidents and claims than others.
The discounts you may qualify for include:
- Good student discount: This may apply if a
young driver in your family has good grades.
- Good driver discount: This may apply if you’ve been
accident-free for a certain amount of time.
- Multi-car discount: This may apply if you
insure more than one of your vehicles with the same company.
- Multi-policy discount: This may apply when you insure
both your home and vehicle with the same company.
Your local agent can also talk with you about these
discounts and determine the ones that would benefit you and save you the most
money on your policy.
Auto Insurance Tax Deductible?
If you are self-employed and use your personal vehicle for
business, you can take a tax deduction for your car insurance on the actual
mileage used for business travel.
If you drive a vehicle 15,000 miles for business and 15,000
for personal use, your deduction will cover half of your overall use.
Your Trusted Choice Insurance Agent, SouthGroup Insurance
Gulf Coast wants you to know you can call
on us with your questions or concerns seeking more helpful advice or answers to
your pressing insurance questions. A full insurance review is always your best
bet to make sure you have all of the adequate coverage for your personal
insurance needs. Remember, we offer a personalized insurance review to anyone
who is interested at no charge – just visit any one of our convenient
To help you through the maze of coverages, carriers, premiums, and find ways to save money on your insurance, if you are on the Gulf Coast, contact your Trusted Choice agent, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com/ , SERVICE TEAM: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Melissa Dunn, Alex Treutel, Anne Gillam, Mark Strickland, Joseph Eagle, Michael Scardino, Melinda Teaford, Wendy Butler, Gabriella Scardino and Brittany Eagle at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: email@example.com, phone or text:228-466-4498 or 228-385-1177, fax:888-415-8922, FaceBook www.facebook.com/southgroup.gulfcoast , or Twitter www.twitter.com/atreutel ! We now have more locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.
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