Most Important Types of Coverage for Your Vehicle

As the owner of a vehicle, you are probably aware that investing in auto insurance coverage is important. Not only does having the right coverage protect you and your vehicle in case of an accident or unexpected incident, but different coverages can provide many other types of assistance.

However, with so many types of insurance coverage available, it can be difficult to know which options are the most important to include in your plan. In order to make an informed decision, it helps to become familiar with the many forms of coverage that are available on the market. To get you started, here are five of the most important types of insurance coverage you may need for your vehicle.

1. Liability Insurance

Liability insurance is a type of insurance that covers the cost of damage or injury that you may cause to another party while driving your vehicle. This may include damage to their vehicle or property, as well as reimbursement for any medical expenses that might result from an accident.

Almost every state requires some form of liability insurance, so it is important to have this coverage to ensure that you are legally covered. When researching different plans, look for one that covers medical expenses in case of an accident, regardless of fault.

2. Collision Coverage

Collision coverage is another important type of insurance coverage for your vehicle. This type of coverage is designed to help cover the cost of repairing or replacing your vehicle if it is damaged in an accident, regardless of who is at fault. While this coverage is not required by law, it is important to have if you want to protect your investment in your vehicle.

3. Comprehensive Coverage

Comprehensive coverage is similar to collision coverage in that it is designed to help cover the cost of repairing or replacing your vehicle if it is damaged in an incident. However, comprehensive coverage also includes coverage for other incidents, such as:

  • Theft
  • Vandalism
  • And natural disasters

This type of coverage is not typically required by law, but it can still provide valuable protection for your vehicle.

4. Uninsured or Underinsured Motorist Coverage

Unfortunately, not everyone on the road has insurance coverage, which can make it difficult to get compensation if you are involved in an accident with an uninsured or underinsured motorist. Uninsured and/or underinsured motorist coverage is designed to help cover the cost of damages and injuries in case you are in an accident with someone who has no or insufficient coverage.

5. Depending on Your Situation, Specialty Coverage Such as Commercial Insurance

Do you frequently drive for work? If so, you may need commercial auto insurance. Talk to an agent about your professional circumstances to find out what you need to be fully covered. There are various criteria that might necessitate a commercial policy, such as:

  1. Driving often for work
  2. Driving people or goods as part of your job
  3. Transporting equipment for professional reasons

Find Out What Auto Insurance Coverage Your State Requires

Investing in these types of insurance coverage for your vehicle can provide you with valuable protection and peace of mind while on the road. Be sure to review your insurance policy and speak with your insurance agent to ensure that you have the appropriate coverage for your needs.

Generally speaking, states require every driver to carry proper auto insurance coverage. Driving without it can cause the driver to face stiff penalties. Speak to an insurance agent in your state if you are in need of insurance or may need to update your coverage.

At Amigo, our agents are ready to help you compare quotes and find the best deal available! They will help you find an excellent insurance plan that covers all your auto needs.

A stressed woman sitting on the ground next to her parked car.
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Top 5 Moving Mistakes

Moving is no walk in the park. After getting over the excitement of buying your dream house or getting that great apartment, the stress of moving is (somewhat) inevitable. Fortunately, recognizing common moving mistakes can help you prepare for the worst and make moving day a breeze. From giving yourself enough time to labeling your boxes properly, here are a few things to avoid when planning to move.

1) Procrastination

When you have a lot of things to do, it’s often easier to just set them aside and get to them later. However, when it comes to moving, procrastination is something you’ll just have to conquer. Leaving things until the last minute can result in forgetting important items, and adding to the overall stress of the move.

A good way to conquer this is by creating a checklist. This way, you’ll be able to plan ahead and finish those time-sensitive tasks without feeling overwhelmed or forgetting anything. By figuring out which tasks need to get done first, you won’t feel like you’re drowning in responsibilities. Plus, it’ll make your whole moving journey a whole lot smoother when you’re not rushing to get everything done.

2) Not getting rid of old things

It’s very likely that when you move, you don’t want to bring everything from your old place. Moving to a new house or apartment means starting fresh. So why would you want to bring all those old, broken down books or clothes that just don’t fit anymore? Packing up all your current things and taking them to a new home leads to clutter, and takes up space. Space that could be used for things you actually need.

Before packing all your things into boxes, it’s a good idea to go through all of the things you planned on taking and deciding what you’ll need and what can be donated. If you’re someone who finds it difficult to part from old items, remember that by donating, you’ll not only be creating new space but helping someone who actually needs it.

3) Not researching moving companies

Unless you have a good friend with a truck willing to spend the day helping out, you’ll probably have to use some sort of moving company. And while this is not uncommon, a mistake many make is going with the very first option they find on Google and calling it a day. Without the proper research, you could miss out on saving money and end up with a whole new headache. Without the proper research and comparison, you could risk going with a company that has bad service or reputation.

A good rule of thumb is to research at least three different moving companies. Compare rates, services, and reviews. This way you’ll have options to choose from and see what the best possible decision is.

4) Not labeling boxes

When you’re finally settled into your new place, the last thing you want to be worrying about is which box you left your favorite shippers or toothbrush in. When packing, it’s certainly easier to just toss everything in a box and go. However, in doing so, you end up adding to your stress later on.

A good way to keep order is to pack everything by category and label accordingly. It would also be helpful to label your boxes prior to packing anything in them. This way, you know where each item will go and make the process go a lot quicker.

BONUS: Packing a box of essential items for your first couple of nights can be a real lifesaver.

5) Not forward mail in time

Probably one of the more tedious acts that come with moving is the process of forwarding mail to your new address. It can be time-consuming and, let’s face it, a little bit boring. But, no matter how much we’d like to avoid this process, it’s something that must be done. Unfortunately, many wait too long to do so.

In order to avoid any inconvenience, it’s suggested to begin the process of forwarding your mail at least a couple of weeks prior to moving. Be sure to look over your change of address forms and consider how long it will take.

Moving can certainly be a fun process when you’ve planned accordingly and given yourself plenty of time. And while stress is not 100% avoidable, knowing what mistakes to avoid can help make moving into your new home a whole lot easier.

moving-boxes
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Why Renters Insurance is a Good Idea!

According to the Insurance Information Institute, 95% of homeowners have home insurance. After all, mortgage lenders require it. So, why is it that only 40% of renters buy renters insurance? Unlike homeowners insurance, renters insurance is not always required; but it can without a doubt save you a lot of money and headaches in the long run.

Here are a few reasons why buying renters insurance should be something on your to-do list.

It’s inexpensive.

There’s a common misconception that renters insurance is expensive, leading renters to opt out. However, a renters insurance policy is generally inexpensive. Not only that, but it’s pretty flexible too. Be sure to contact one of our agents or customer service reps to hear about our low rates and coverage.

A renters insurance policy can help pay medical expenses for your guests.

A renters insurance policy can protect you in a variety of cases. Some that you may not have considered before. If you have kids, for example, it is likely that their friends will come over. Should one be accidentally hurt in your apartment, your renters insurance could help pay the medical bills up to the policy’s limit.

It’s 2018, things are more expensive to replace.

Things are not cheap. That great lamp or coffee table you bought two years ago probably costs more than it did when you first got it. In the event of a fire, flood or theft, your renters insurance policy can help pay for replacement cost at their current price. It makes it possible to replace lost or damaged items.

Your policy could help cover hotel expenses after a disaster.

After a flood or fire, the last thing you want to be worrying about is where you’ll stay the night and how you’re going to pay for it. Your renters insurance policy includes “additional living expenses” coverage in the event that your apartment becomes uninhabitable and you need someplace to live temporarily.

Your legal costs can be covered too.

If an accident occurs in your apartment and you are being sued, the liability coverage on your renters policy can help pay your legal costs up to your policy’s limit. Be sure to speak to one of our agents or customer service reps to hear your amount options.

These are only a couple of reasons why renters insurance is a good – great – idea. Not only will you be saving money, but you’ll have some peace of mind knowing that in any case, you’ll be covered.

Call us today at 877-999-2644 for a FREE quote on renters insurance and to hear your options.

GOOD IDEA
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