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Auto Insurance

from McGregor Insurance

How Much Auto Insurance is Enough

Auto insurance blends several types of coverage into one policy. Typically, your policy will include some combination of comprehensive, collision, medical, liability and uninsured motorist coverage.

Ocean Shores Auto Insurance Needs

Every person is unique. To determine your car insurance needs, consider:

  • Liability pays for the damage you cause to others if your car is involved in an accident. It also protects you from being wiped out financially if you are sued following an accident. The greater your assets, the more you stand to lose. If you have substantial financial resources, you may need liability coverage that exceeds the coverage that you'll get from an auto insurance policy. In that case, a personal umbrella policy can provide the extra liability protection you need.
  • Collision covers damage to your car from an accident. McGregor Insurance can help you decide whether or not to carry collision coverage by balancing the cost of collision insurance with the value of your car. It might not be worth paying $200 a year for collision insurance on a car that's worth only $1,000. But if the car is worth $10,000, you probably want this coverage.
  • Comprehensive coverage pays for your car if it is stolen, vandalized or damaged in some way other than in a collision.
  • Personal Injury Protection (PIP) helps pay for a number of expenses, including hospital bills and medical care for you and your passengers if someone is injured in an auto accident, no matter who was at fault. It covers you (the named insured(s) on your policy) and any immediate family member (those who live with you) when occupying, getting into or alighting from a motor vehicle. It also covers you and your immediate family members as pedestrians if struck by a motor vehicle.

Keep in mind that Washington requires certain minimum levels of coverage. The right Washington car insurance coverage for you is unique - talk to us today to find out how to get the best price and value on Ocean Shores auto insurance for you.