While Auburn, WA, drivers are required to carry liability car insurance, there are two types of optional coverage you may want to consider adding to your policy: comprehensive and collision auto insurance. These coverages can protect your own vehicle in the event of an accident or disaster. The best type of coverage for you depends on the specific risks you face, the value of your car, and other factors.
What They Cover
Comprehensive auto insurance typically covers damage caused by vandalism, theft, severe weather, falling objects, and fires. It can also cover incidents like hitting an animal. On the other hand, collision insurance covers accidents involving other vehicles and damage caused by crashing into inanimate objects, such as trees or potholes.
How to Choose
Choosing the right type of car insurance depends on the risks specific to your driving habits and location. Consider factors such as how often you drive, local crime rates, and the likelihood of encountering wild animals in your area. Additionally, think about the frequency of severe weather events in your region.
If you have a car loan, it’s important to follow any requirements set by your lender. Most banks require auto loan borrowers to carry both collision and comprehensive insurance. If you fail to obtain the required coverage, the lender may purchase force-placed insurance and add it to your loan. This type of insurance typically offers less coverage than a standard policy.
If you’re looking for reliable car insurance, turn to Alpine Ridge Insurance in Auburn, WA. Our independent agency offers a wide range of coverage options for drivers throughout Washington state. To learn more or request a quote, contact Alpine Ridge Insurance by calling 253-833-9501 today.
