Many auto insurance companies have options when it comes to collision and comprehensive coverage. However, these options may not work for certain individuals. If you are financing a vehicle, you have to have both types of coverage in place, but if you own a vehicle, do you need both types?

Collision vs Comprehensive

Collision insurance protects the vehicle owner from expenses related to collisions. Comprehensive insurance covers all other types of damage and incidents such as theft, storm damage, and vandalism. It is recommended that you carry both types of insurance if you have a vehicle newer than 10 years of age, or have an older classic vehicle having substantial worth. In order to make the right choice, you should get assistance from one of the professional agents at Smith Insurance Agency of West Virginia. We proudly serve the drivers of Kingwood, WV and throughout the state, and can answer your questions and more. 

Getting The Right Coverage

Finding and obtaining the right level of insurance protection is tricky without the help of an insurance agent. You should reach out for assistance to ensure you get the right level of auto insurance protection to avoid gaps and other unfortunate issues related to inadequate coverage. Your insurance agent is a great tool to help you have peace of mind, no matter where you travel or where you park your vehicle. 

If you are looking for quality auto insurance, check out Smith Insurance Agency of West Virginia and allow them to assist you with the selection process. We look forward to helping the residents of Kingwood, WV find solutions that offer protection.

Driving a car on a daily basis is a necessity for many people in the Kingwood, WV area. If you own a car in this area, there are many important responsibilities that you need to be aware of. One of the most important responsibilities that you will have is to carry auto insurance. There are several factors to take into consideration when you are looking for your next auto insurance policy.

Liability Requirements

When you are looking for your next auto insurance policy, one important factor that you need to consider is whether you have compliance with the state liability requirements. In this state, you will be required to carry a minimum level of property damage and bodily injury liability coverage at all times. If you do not have this level of coverage, you could be cited by law enforcement and possibly lose your driving privileges.

Additional Coverage 

While it is not necessarily required by law, most drivers would also benefit by getting additional collision and comprehensive coverage. The basic liability insurance requirements will not provide you with any coverage for your vehicle. The additional collision and comprehensive insurance that you can receive could provide you with this coverage if your vehicle is damaged, stolen, are you suffer another type of loss to your car.

Whenever you are looking for a new auto insurance policy in the Kingwood, WV area, it would be a good idea to reach out to Smith Insurance Agency of West Virginia to start the process. The professionals at Smith Insurance Agency of West Virginia are very knowledgeable when it comes to auto insurance and the needs of its customers. They can help you get into a great policy that will give you proper coverage and peace of mind.