Searching for the best auto insurance policy can be time-consuming and stressful, but it doesn't have to be at Shop My Insurance. We review all your options and help you select the best policy based on your needs.
Oregon, Washington, Texas, Idaho and Arizona require all drivers to have liability insurance before driving. Generally, the insurance will follow the vehicle instead of the driver. This means that if a non-household member is driving your vehicle with your permission, they may be covered under your auto policy while operating your vehicle on an occasional basis. (*contact one of our representatives for state and policy specific details.)
Generally speaking, if you are found to be at fault in an accident, you are responsible for the other person's damages, including injuries and damage to their vehicle. That responsibility makes it increasingly important to ensure that you are properly covered with the appropriate liability limits for your needs.
Insurance requirements vary by state. Depending on where you live, you may be required to carry coverages like PIP and uninsured motorists in addition to your liability coverage. Contact one of our representatives today for more information.
Liability coverage is required by law, but you may also hear the term “full coverage” being tossed around out there in reference to insurance. Carrying “full coverage” means that you have also elected to purchase physical damage coverage for your vehicle.
Physical damage coverage is comprised of two elements: Comprehensive and Collision. Comprehensive covers you for losses like theft, vandalism and glass breakage. Collision covers you when your vehicle is in an accident, whether it collides with another vehicle or something on the road. Deductibles apply.
If you have a lien on your vehicle, your lender will probably require you to have “full coverage” to protect their investment. If you don't have a lien, you may still want to consider this type of policy.
If you need auto insurance in Oregon, Washington, Texas, Idaho or Arizona contact us at Shop My Insurance. Our knowledgeable agents will discuss your needs and options and help you choose the policy that meets your needs.
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