Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states.
The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.
Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.
If you live in Virginia, Maryland, or Washington D.C., let Oberryman help you determine the best coverage for your whole range of insurance needs. Whether you need to protect your most important asset, your home, or you’re shopping for a good, affordable auto policy, contact us for a quote.
When possible, it’s best to take a comprehensive approach to insurance planning. Let us help you develop a personal insurance plan that will protect your family’s assets and your ability to earn a living when you need that protection the most.
Oberryman Insurance Agency offers free, comparative quotes on Auto Insurance from multiple insurance carriers so you can get the best possible rate.
Want to see how much we can save you? Just request a quote to find out.