How Much Auto Insurance Do I Need?

December 31, 2019

Do you have adequate auto insurance in Spanish Fort, AL? Do you even know if you do? If not, you may find yourself in a difficult situation if you are ever involved in an accident. Don’t let this happen – get the coverage you need to be fully protected now. If you need help with your auto insurance amounts, our team at Align Insurance Group can help. You can also use the information here to ensure you get the coverage you need. 

The State Requirements 

One of the first things you have to consider is what is required by your state. Each state has unique specifications regarding the minimums you must-have when it comes to auto insurance. If you don’t have these required minimums, you may be fined by the police or have other consequences. 

Vehicle Ownership 

Another factor that impacts the amount and type of auto insurance you need is if you own or are leasing or still paying on your vehicle. If you have a loan with the bank (or another lender), then you are going to need to invest in full coverage insurance. This insurance coverage makes sure that you can cover the damages to your vehicle (since you don’t own it) and anyone else’s car or property you may cause damage to. In fact, in most cases, a condition of the loan is having the proper insurance coverage. 

If you own your vehicle, you can get liability only insurance, which will only cover another person’s car. While this is more affordable if you ever are in an accident that causes damage to your vehicle, you will have to pay for it to be repaired out of your own pocket. 

If you need help to figure out the insurance coverage you need, contact our team at Align Insurance Group, serving the area of Spanish Fort, AL. 

26041 Predazzer Ln Suite C,
Daphne, AL 36526

We are providing reliable policies that protect the Alabama & Florida Gulf coast.

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