Car insurance is something you can buy for your protection, but you get to customize your plan to meet your needs. As a result, you will get to choose what types of coverage you have with your plan. If you are uncertain about what types to pick, you can do two things. First, you can learn about the options, and secondly, you can ask an agent to help you decide. Here are some options you can choose as you pick the right policy for your needs.

Liability Coverage

When people need coverage simply to meet the legal standards, they often choose liability coverage only. You can also choose liability coverage when you own a car that is not worth a lot of money. If you do not need a lot of coverage, this might be the choice for you. Liability protects you in several ways. The primary way is by paying the damages you cause to other cars and people. The other way is by protecting your personal assets by preventing people from suing you if you cause an accident.

Collision Coverage

When you have a car loan or own a valuable vehicle, you probably want more protection for the car. With a loan, your lender might require that you carry collision protection. If you do not have a loan, having collision coverage protects your financial interests in the car. The main thing collision coverage offers is compensation for damage to your car if you wreck it.

Comprehensive Coverage

When you have a car loan, your lender might also tell you that you need comprehensive coverage. Having comprehensive coverage is a great option for most people. This coverage pays for the damage to your car from all kinds of events. For example, if a storm causes damage, this coverage pays the costs of the repairs. If someone breaks into your vehicle, this coverage also pays the costs of the damage.

Extra Types

Additionally, you can add extra coverage types to your plan. For example, if you travel a lot, you might want to add roadside assistance to your policy. You can also add glass coverage and all kinds of other extras with most car insurance companies.

As you consider your needs and risks, you can contact an insurance agent to start a plan that suits your needs. If you have questions about coverage types, call a car insurance agent today to ask some questions.