Finding the right auto insurance can be difficult, for those in the Tucson, AZ area however, the helpful agents with Shaner Insurance Group, Inc. can help you find the right insurance for your needs. There are dozens of different policies and each covers a different eventuality, knowing if you have the right insurance can make a huge difference in your overall coverage and your satisfaction with your policies.
When it comes to auto insurance there are two basic types, liability and full coverage. If you have a liability policy in place you have the minimum legal amount of insurance needed for you to drive your vehicle on the road. Liability policies generally only cover a specified amount of medical bills of both you and the other drivers. Drivers that own their car, that do not have a lien or loan against it, or that want to save money and are not making payments to a third party lender can opt for liability coverage only.
For those that do not own their car and are making payments, nearly all lenders require that a full coverage policy be in place. Full coverage means just that, you have coverage for just about anything that can happen to your vehicle as long as you pay the deductible. Full coverage often takes care of a larger sum of medical bills, takes care of replacing the car after the deductible is paid, and can even pay the full sum of the other driver’s claim. Full coverage does cost a bit more but if you have the money, even drivers that have paid off their cars can benefit from a full coverage policy.
If you are living in the Tucson, AZ area contact the Shaner Insurance Group, Inc. today for more information and help finding the right policy for you.