If you drive a car, a truck, or another type of motorized vehicle, you'll want to have an auto insurance plan that will cover damages that may be sustained if your vehicle gets into an accident. You'll need to have insurance that has at least the minimum coverage that's required by law. Here are some key things that you should know about auto insurance.

Liability Coverage is Required

Your auto insurance plan will need to have at least liability coverage. If you get into an accident with another driver and you're found to be at fault, liability insurance will cover the costs of damages that the other driver's vehicle sustained. Any bodily harm that the other driver or other passengers sustained should also be covered. If your vehicle damaged a building or some other type of property during the accident, your liability insurance should cover that damage as well if the accident was your fault.

Other Coverage Options

In addition to liability, you can choose other coverage options with your policy if you can afford to pay more. Collision coverage can keep you from having to pay high out-of-pocket costs to repair collision damage on your vehicle. Some policies also have natural calamity coverage, which will pay for vehicle damages that are caused by floods, earthquakes, and other natural disasters. Uninsured or underinsured motorist coverage is also available.

Choosing a Higher Deductible Could Lower Your Premiums

If you're worried about paying high monthly premiums, you can save money by choosing an auto insurance plan that has a higher deductible. With a higher deductible, you'll pay more out of your own pocket to fix damages to your vehicle. However, it's important that you have enough money saved to cover the damages that you'll be responsible for paying if you choose this option. 

Special Discounts 

Some of the best insurance companies offer special discounts to qualifying members. If you have an excellent driving record, you may qualify for a good driver discount. A multi-car discount is often available to policyholders who want insurance coverage for more than one vehicle. Having a vehicle with a built-in, state-of-the-art anti-theft system may qualify you for an anti-theft discount.

Optional Roadside Assistance

You can choose a plan that offers roadside assistance for when your vehicle breaks down. If you ever become stranded because of a flat tire, a dead battery, or some other vehicle problem, a service provider can come to your location to fix the problem. Some roadside assistance plans even cover towing services.

Getting the auto insurance plan that you need can make you a safer, more responsible driver. You can receive your plan from an auto insurance company that provides policies with affordable rates, customized coverage, and reliable service.