Auto insurance is that one investment every driver needs. There are no gurus on the street, and anyone can cause an accident. Whether you’ve been on the road for years or you’ve just gotten your first car, auto insurance is critical.

But if you first-time car buyer, you may find it challenging to navigate the somewhat complicated car insurance world. As such, the right coverage is crucial, especially for first-time buyers. To that end, Hinman & Associates Insurance of Reno, NV has prepared for you some valuable tips about auto insurance. Be sure to read through the article for insights.

How does auto insurance work?

Auto insurance works the same as other insurance policies. You are required to purchase a policy that states the type and the amount of coverage, where you pay some premiums to keep your policy active in the event of a claim.

What factors influence auto insurance premiums?

The premiums depend on several factors and some considerations. Some factors include:

• Type of the car
• Your driving records
• Where you live
• How you commute that is a short or long commute
• Your deductible
• Type of coverage
• Amount of coverage

What are the types of auto insurance coverage?

There are different types of auto insurance coverages, each of them offers a different form of protection. It’s advisable to discuss with your insurer how each of them works to get one that best suits your needs. Here is a list of the standard coverages.

• Liability coverage
• Collision coverage
• Comprehensive coverage
• Underinsured or uninsured motorist
• Personal injury protection (PIP) or medical coverage

Besides, you can consider "add-ons" or "riders" to provide coverage in specific areas. For instance, an "engine protect" rider protects you if your engine suffers damage from an oil leak or water ingression.

Get the right policy today!

While you need to arm yourself with car insurance information, working with a trusted insurance agent is an asset. If you happen to be a resident of Reno, NV, and its environs, you can trust Hinman & Associates Insurance for all your car insurance needs.