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What You Need to Know about Car Insurance

Happy family in a red family carWhen buying car insurance in El Paso, it’s important to understand a few important points. This way, you’ll be able to get the best insurance that will suit your needs perfectly. Pan American Insurance is ready to help.

What’s Behind the Cost of Car Insurance

The mere cost of car insurance may cause some drivers to feel concerned that their money is being wasted or not going anywhere. In reality, insurance plays a huge role in keeping roads and drivers safe. On top of that, having insurance is required by law. With insurance, you’ll be able to pay for repairs after a car accident takes place. Since cars tend to be major expenses, it’s in your best interest to protect it accordingly. There’s a reason why cell phone insurance is only $10 per month while the average cost of car insurance in Texas is $135. It goes without saying but a cell phone costs a fraction of the cost of a car so it makes sense that, in order to protect a car, drivers must pay more per month.

What Does Car Insurance Protect You From?

Depending on the type of coverage you buy, your insurance will be able to help you deal with a variety of issues. The two most common types of coverage are comprehensive and collision. Comprehensive deals with anything other than a collision. So fire, theft, vandalism, etc. all fall under comprehensive coverage. This type of coverage is necessary in order to purchase collision coverage, which is exactly what its name describes. Collision coverage will protect your car against accidents pertaining to collisions with other vehicles, trees, and light posts etc. Car insurance also requires deductibles in order for you to receive your car after it gets repaired. It’s important to point out that collision coverage tends to come into play most often when you are at fault or when you don’t know who damaged your car.

Stay Safe On The Road

Car insurance is there to make it easier for you whenever an unexpected accident occurs. You may feel as you’ve been paying too much for your car insurance all while using it very little or not at all. Although this may feel counter-intuitive, it’s a great situation to be in. It’s always best to avoid severe claims. Even if the insurance seems pointless, it’s not in the least. You’re protecting yourself (and those around you) from the unthinkable. Contact Pan American Insurance today to learn more about what we can do to help you stay safe on the road.

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