What makes for a good auto insurance policy for you depends on the type of car you have, how often you drive, and what you do when you’re out on the road. Use these tips from Five Star Insurance Agency to find out more about the two most common types of coverage if you live in Fords, NJ. Whether you’re looking for new auto insurance or want to change your current policy, understanding what you’re paying for can really make a difference.

Basic Coverage

Basic coverage is typically the cheapest form of insurance you can buy. You can usually only choose this insurance if you own your car (e.g., you’re not making car payments.) New Jersey is a no-fault state when it comes to accidents, meaning that you will typically get financial assistance regardless of who caused the accident. This type of coverage may not cover all of your expenses though, so it’s mainly recommended for those who have excellent medical insurance and who have emergency funds saved up to cover any other repairs.

Comprehensive Coverage 

Comprehensive coverage is normally what’s required for those who have outstanding payments on their cars. This type of coverage takes into account things like weather damage, accidents, and medical payments. It should be noted that it doesn’t cover absolutely everything, so you may want to talk to an insurance agent to ensure that you can get the help you need for the unexpected. If you need your car to get to work, you’re not going to want to explain to your boss that you were late again because of a missed bus connection.

Don’t get caught without coverage! Call Five Star Insurance Agency to get the answers you need before you decide on a policy.