You’re not alone! Here, we tackle some of the most common queries to help you make informed decisions about your coverage.

Selecting the right auto insurance is like creating a customized safety net. Depending on where you reside, some components are obligatory, while others offer additional protection. Although states set minimum requirements, it’s essential to evaluate if additional coverage is necessary. Striking the right balance between protection and cost is key.

You can also fine-tune your deductible to align with your budget and comfort level. Adjusting it directly impacts your monthly premium. Opting for a higher deductible reduces your monthly expenses, but entails more out-of-pocket costs before your policy takes effect. Consider these factors when making your choice.

Let’s explore some of the common auto insurance coverages:

Liability: Most states mandate drivers to carry liability insurance, covering bodily injury and property damage.

Comprehensive: This coverage steps in when incidents occur outside of driving, such as fire, vandalism, or theft. While optional in most states, lenders may require it for leased or financed vehicles.

Collision: Protects you in accidents involving other drivers or objects. It covers repair or replacement costs. Like comprehensive coverage, collision is optional, but leasing or financing may necessitate it.

Additional types of coverage include:

• Uninsured and underinsured motorist
• Medical payments (Med Pay) coverage
• Personal injury protection (PIP), available in specific states
• Guaranteed auto protection (GAP)
• Rental reimbursement
• New car replacement
• Ride-sharing coverage

Beyond the state’s minimum requirements, you have the freedom to customize your coverage, choosing types and deductibles. An Omnio Group agent is here to provide expert guidance, ensuring you select the optimal protection tailored to your needs.