Many states today require drivers to have auto insurance if they are operating a vehicle out on the road. This protects drivers in case of an accident, injury, or property damage. In fact, many dealers will not let you obtain financing or drive off the lot without insurance.

Having insurance for one of your most valuable possessions make sense. With auto insurance, losses caused to others and damage to your vehicle are usually covered by your insurance policy.

The right auto policy helps you get back on the road quickly after an accident or if your vehicle is stolen, or damaged by fire or a natural disaster. Not having your car could mean missing work or not being able to keep up with your family’s activities and errands--a huge inconvenience for most people, and one you can easily avoid.

Auto insurance requirements vary depending on which state you live in, although many people elect to have full coverage even when it’s not mandated:

• Liability coverage: this covers losses to others caused by you, such as damage to another vehicle when you are at fault in an accident.
• No-fault coverage: this covers you and any passengers regardless of who is at fault in an accident when medical or other expenses are incurred.

Additionally, many drivers like to purchase collision and comprehensive insurance for even greater peace of mind:

• Collision insurance: this insurance covers damages to your vehicle after an accident, such as repairs, up to the fair market value of your car or truck. When filing a claim, you pay a deductible, which is an amount of money paid out of pocket before your insurance policy kicks in. Typically, a higher deductible means a lower insurance premium payment.
• Comprehensive insurance: this type of insurance covers damage to your vehicle from incidents other than an accident, like theft, fire, or many natural disasters. Similar to collision insurance, comprehensive coverage pays up to the fair market value of your car, minus whatever deductible you have agreed upon when taking the policy. Some auto financing requires comprehensive insurance.

Our bilingual team of insurance professionals are standing by to help you choose the right coverage for your vehicle and your state’s laws. With over 30 years of experience in the insurance industry, we are condident that we can find the right policy for you. Contact Canyon Pacific Insurance Services today at 760-324-4100 to learn more about our auto insurance options, so you can drive without worry.