When you are on the search for the best Rockvale CO auto insurance available you want to make sure that you aren’t just paying the perfect price for auto coverage – but that you are getting the perfect amount of coverage for the money, too.
Surprisingly, auto insurance companies aren’t often all that upfront about the things that you are covered by when you have auto coverage through them, and they sometimes omit details about your coverage options that can get you in a sticky situation (especially if you don’t read ALL of the fine print on your auto policy documents before signing on the dotted line).
To better help you understand exactly what the best Rockvale auto insurance from https://insurancequote.deals/colorado-auto-insurance-quotes/ is going to cover we’ve put together this quick guide.
Auto insurance covers the vehicle that is being insured
Right out of the gate, you should know that when you purchase auto insurance you are purchasing protection for that vehicle – not necessarily for yourself.
A lot of drivers are on the impression that if they have auto insurance for one vehicle they are protected for every vehicle that they slide behind the wheel of, but that may not be the case in all situations. The policy that you are paying for is designed to stay with your vehicle, giving anyone that drives it protection and coverage.
Liability is covered with all Rockvale Colorado auto insurance policies
Every state (except for New Hampshire) in the US requires that a minimum amount of liability coverage is included with all auto insurance policies, and that goes for policies purchased here in Rockvale, CO.
Your policy will have different figures attached to it depending on the specifics of your contract, but the liability coverage that you receive will almost always be expressed in three different numbers.
For example, your liability coverage may be outlined as 100/300/50. This would mean that your auto insurance includes $100,000 of bodily injury per person, $300,000 of bodily injury per accident, and $50,000 worth of property damage protection per accident as well.
Your insurance company will pay up to the limits that have been established on your policy, but you will be on the hook for anything over those values. This is incredibly important to understand, especially when you’re looking at https://insurancequote.deals/colorado-auto-insurance-quotes/ for the least expensive auto insurance in Rockvale Colorado.