Choosing the right auto insurance isn't always easy. At Express Insurance, we know that people often get caught up in price alone and end up with auto insurance that doesn't offer the protection they really need.
Discover everything you need to consider when choosing your car insurance with our Express Insurance team. To ensure you don't get misled, here are three key points to consider before purchasing your next policy to protect your car.
- The deductible
The deductible is the amount you will have to pay out of pocket for your auto insurance to cover a claim. Generally, the standard deductible is $500, although this amount may vary depending on the company and type of policy. Remember: a lower deductible means higher monthly payments, while a higher deductible reduces the premium but increases what you would pay in the event of an accident.
- Uninsured driver coverage
This point is essential and often overlooked. Auto insurance with uninsured driver coverage protects you if you have an accident with someone who does not have liability insurance or, worse still, flees the scene. This protection ensures that you are not left helpless in an unexpected situation.
- Medical coverage (MEDPAY)
Medical coverage, known as MEDPAY, is one of the most valuable parts of your auto insurance. With this option, you will receive a payment if you, a family member, or a passenger is injured in an accident, regardless of who was at fault. It can even cover expenses in the event of death, providing financial support when you need it most.
Don't be confused! At Express Insurance, our agents are ready to guide you and help you find the car insurance that best suits your needs and budget. Call us at 775-737-9300 and receive the personalized advice you deserve. With Express Insurance, your car insurance will be in the best hands.