American Auto Insurance

We are all aware of the basic elements that make up our insurance policies which mainly consists of liability coverage.  That is pretty much the only requirement states place on drivers that is required.  But there are many other insurance options that could benefit you.  

Collision insurance will pay for damage caused to your vehicle in an automobile accident when you were in the wrong.  Your insurance always pays for the repairs to the other driver’s car but without collision insurance if you are in the wrong you will be left paying the bills to repair your car. 

Collision insurance is based on fair market value, so this can be quite a bit lower than in the actual cost to replace your vehicle or payout your loan.  Whether you choose to buy collision insurance will depend on the value of your car.  For most older cheaper cars it often doesn’t make much sense.

Collision coverage comes with a deductible which is the amount you must pay toward repairs before your collision insurance kicks in.  You choose the amount of the deductible you are willing to pay.  The higher the deductible the less your collision coverage will cost.

Comprehensive insurance works much like collision insurance but it covers damage caused by vandalism, flood, hurricane, theft, and fire  Read your policy carefully to know exactly what you are covered for because it does vary. 

Just like collision insurance, comprehensive insurance pays up to the fair market value of your car if it is non repairable or not recovered.
The automobile insurance endorsements is a fancy term for additional coverage like towing insurance, auto glass insurance, daily rental insurance, and emergency roadside insurance.  They are never required but may be advantageous to have.

The auto towing insurance pays for towing your car anytime you need it.  The auto glass insurance gives you a low deductible  or no deductible to repair a broken window on your car.  The daily rental insurance covers the cost of a rental car while your car is being repaired as a result of an insured perill.  Emergency roadside assistance does just what it says.  It covers minor occurances such as changing a flat roadside or unlocking your doors, but it will not cover garage repairs. 

Norwich union car insurance offers standard insurance as well as all these options and more.  Many other insurance companies do too. 

Why not start comparing rates right now?  Get  Free Norwich Union Car Insurance Quotes