Car Insurance in Algoma, Egg Harbor, Sister Bay, WI

Posted on: June 3rd, 2015

Which Type Of Car Insurance Is Good For You?

 

As any other car owner you will have to purchase car insurance. But there are a lot of insurance packages… how can you know which one is suitable for you? You don’t want to pay too much on your insurance policy, but still you need to be covered in case something happens.

Let’s see some of the most common car insurances. Maybe you’ll get to pick yours from the list!

Tip: A specialized insurance company can get you more information and help you purchase the right car insurance for your needs if you are in Algoma, Door County, Egg Harbor, Fish Creek, Sister Bay, and Sturgeon Bay WI.

Collision insurance

This type of car insurance states that the insurer is paying for the repairs of your car in case of an accident, or he will pay the entire value of the car in case the car is too damaged. It depends on the type of car you own. If it is an older one you might not need this type of car insurance. But if it is a new one, you might want to add this policy to your insurance, as a prevention.

Liability insurance

This is the most common car insurance. And in most states across the US, this is THE type of car insurance that is compulsory by law. This policy gets you covered in case of an accident, when the police decides you’re responsible for causing it. The insurance covers for the medical bills and costs for car repair of the other person(s). The liability insurance goes hand in hand with the collision insurance, meaning that if you have just liability insurance you might end up paying yourself for the repairs of your car.

Personal Injury Protection

You may be taking into consideration the option of having this type of car insurance, and here’s why… With this insurance, in case of an accident, your medical bills and those for your passengers are paid up, independently on whose fault it is. Unfortunately, it is not available in all states.

Comprehensive Coverage

Comprehensive coverage is for other types of events that can damage your car, such as stolen car, weather damage, or when you hit an animal on the road by mistake. Notice the liability insurance does not cover for these events, it is only the comprehensive one that does.

Get in touch with Stoneman Schopf, an authorized insurance company to help you in the process of purchasing car insurance. They have the experience to guide you. You can find them in Algoma, Door County, Egg Harbor, Fish Creek, Sister Bay, and Sturgeon Bay WI.

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Offices in Sturgeon Bay. Serving Door, Kewaunee and Brown Counties.