Why Everyone Should Buy Car Insurance

Most drivers in the United States are required to purchase car insurance. While exact requirements vary by state, there is a state minimum that drivers are expected to meet in almost every state, and this of course is a major reason why most drivers get car insurance and why you should too. Beyond the law, however, is your safety, whether it relates to your physical or financial health. As unfortunate as it is, car accidents are a common occurrence that we should all be prepared for. By maintaining an insurance policy, you are limiting the potential damage that a car accident may cause in your life by ensuring that you’re covered for any healthcare or property damage costs caused by one. The peace of mind that having this protection offers is priceless, and this safety net is the number one reason why every driver should have adequate coverage.

Direct Auto has been providing high-quality auto insurance coverage options to drivers throughout the country since 1991. Regardless of a driver’s driving history, Direct works with customers on an individual basis to deliver coverage that offers true protection at affordable rates. By opting to purchase your next car insurance policy through Direct, you’ll be protecting you and your family in the event of an accident without having to worry about overpriced monthly payments.

Basic Coverage Options

When it comes to car insurance, there are many coverage options and factors to consider. As every state has different requirements and every driver has a different driving situation, the type of policy you should opt for will depend entirely on your individual needs. To get you started, here are some of the major coverage types to take into consideration:

• Liability: This type of insurance is the state minimum requirement in many states, and essentially pays for the other party’s injuries and property damage costs in the event that you cause an accident.
• Comprehensive & Collision: These will cover costs for any property damage you sustain in an accident, whether you’re at fault or the victim of a hit-and-run driver, or that you sustain from non-accident causes, including break-ins or fires.
• Personal Injury Protection (PIP): This covers medical costs, lost wages and funeral expenses for you and your passengers in the event of an accident, regardless of fault.
• Medical Payments (MedPay): This covers medical and funeral costs for you and your passengers in the event of an accident. It does not cover lost wages.
• Uninsured Motorist Coverage: Also referred to as underinsured motorist coverage, this provides you with bodily injury protection in the event that you get into an accident with someone who is uninsured or underinsured. In some cases, it also covers property damage.

While this page covers the most common types of protection, there are coverage options beyond the ones listed here. Exactly what type of policy you choose to take out should be based on both your state requirements and on what level of protection makes you feel safer on the road. By going with Direct Auto, you’ll be able to customize your protection plan to fit your needs.

Direct has all the coverage options you need. Find out how much you can save today!