What Auto Insurance Plan Should You Buy?

​It is your first time to buy a used or new car and you are probably really excited to use it! However, you have to ensure that you are in good hands before bringing it on the road. In fact, there are insurance plans that are required by the state before you drive your new car. In this article, we will identify what auto insurance plan you should buy based on your needs.

1. Liability Insurance
   This type of insurance allows you to pay for the medical expenses, lost wages, legal fees, and other expenses that you have to pay for accidental damage. The state requires the minimum, but it is always preferred to choose above the minimum to protect your finances better.
   
   
2. Collision Insurance
   This type of insurance allows you to replace the parts of your vehicle that were damaged due to collision. This type saves you from getting cash from your pocket, as the insurance company can pay for it.


3. Comprehensive Insurance
   The comprehensive insurance, although supplemental, covers the repair of your vehicle from damage caused by theft, fire, wind, flood, hail, and vandalism. The insurance company may pay for the smallest penny when you are a good payer for the company. 


4. Medical Coverage Insurance
   This type of insurance is another supplement to the basic coverage. The medical coverage insurance covers the medical expenses of the victims, whether the insured is at fault. However, if you have medical insurance, this add-on is not needed anymore.


5. Personal Injury Protection (PIP) Insurance
   In contrast to the mentioned type of insurance above, the Personal Injury Protection (PIP) Insurance insured the driver and pays for his or her medical expenses, whether he or she is at fault. This type of coverage is also required in 15 states. 


6. Rental Reimbursement Insurance
   When your car is rented only, the Rental Reimbursement Insurance is bonus insurance you can get. This insurance covers the repairs of a rental car in case of damage. The coverage is provided in a daily allowance type until it gets completed and fixed. 

At Synergy Insurance Group, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (763) 797-9999. Get your free quote today by CLICKING HERE.