What are the Different Types of Auto Coverage and What do I Need?

Finding the best car insurance companies in Pensacola can be a challenge. There are so many options and variables to consider as you start to gather quotes. Knowing what kind of auto coverage you need is the first step toward finding the right policy. In this blog, we’ll explore the different types of auto coverage and what you should look for. Still have questions? That’s why a local Pensacola insurance agent is a great option. They can guide you through quotes, in addition to making sure you have the right fit for your situation.

Types of Auto Coverage

Liability Coverage

The most common type of car insurance is liability coverage. Liability insurance covers the costs of injuries or damage that you may cause to another person or their property in an accident. This type of coverage is required by law in most states, including Florida. Liability coverage typically covers medical expenses, property damage, and legal fees. Without liability coverage, you may be held personally liable for the damages caused by an accident.

Collision Coverage

Collision coverage is another type of auto insurance that is often required. Collision coverage pays for damage to your vehicle caused by a collision with another vehicle or object. This coverage can be expensive, but it is important to have if you are leasing or financing a car.

Comprehensive Coverage

Comprehensive coverage insures your vehicle against theft, vandalism, and other types of damages not caused by a collision. Comprehensive coverage is not required by law, but highly recommended.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage is also important to have. This coverage protects you if you are involved in an accident with an uninsured or underinsured driver. It covers the costs of your medical bills and any other expenses that result from the accident.

Additional Coverage Options

Finally, many insurance companies offer additional coverage options such as rental car reimbursement and roadside assistance. These coverages are not required but are nice to have in an emergency.

When looking for the best car insurance companies in Pensacola, compare quotes from multiple providers. Also, make sure that the policy you select meets your needs and budget. Shopping around can help you find the best car insurance for the cheapest auto insurance policy in Pensacola. Read the fine print of any policy you consider before signing on the dotted line.

Contact Gulf Coast Insurance of Pensacola for a Free Quote Today

Gulf Coast Insurance can help you find the right policy at an affordable price, so you can rest easy knowing that you are protected. Get a free quote today and find out why they are the best car insurance company in Pensacola. We service Santa Rosa and Escambia County and surrounding areas including Pensacola, Pace, Gulf Breeze, Navarre, Milton, Perdido, Cantonment, Crestview, Niceville, and more. Fill out our quote form here to get started.