Auto Insurance

Car insurance coverage options in Alabama vary from one insurance company to the other. Many drivers are conversant with the set regulations of mandatory auto coverage. However, calculating the amount of coverage a driver needs is still a new concept. At Harris Insurance, we focus on what matters to you most--your safety--and that's why we're here to help you get adequate coverage. To understand how much coverage is enough for you, you need to know the coverage options available for car insurance.

What does auto insurance cover?

• Liability coverage: Helps cover expenses related to liability, such as lawsuits.
• Property damage liability: Helps pay for the damage caused in an accident where you are at fault.
• Bodily injury liability: Pays medical bills for injured parties in a crash in which you are at fault.
• Collision: Helps repair your car after a collision with a stone or another vehicle.
• Comprehensive: Covers costs when your car is damaged or stolen
• uninsured or underinsured motorist: Protects you in case an uninsured/ underinsured driver hits you.

How much coverage should you get?

The question of how much auto insurance is enough for you heavily depends on various factors. When calculating your insurance premiums, your insurance provider in Jasper AL usually use the information you give them to determine your rates. In simple terms, the amount of insurance that one should carry varies from one individual to another. Here are some of the things to keep in mind when buying auto insurance in Alabama:

• Make sure that your coverage amount equals the total value of your property and assets.
• If you are a new driver, make sure you purchase higher liability coverage.
• Always keep in mind that liability coverage does not cover you or your vehicle but other road users. Thus, it would be wise to carry extra insurance for that.
• If you prefer repairing your car in the event of an accident, collision and comprehensive coverages should top your list of coverages.
• The higher your deductibles are, the lower your premiums.

Buying auto insurance is no longer a complex topic like it was a few years back. Harris Insurance can help take you through your insurance journey. Contact our insurance experts in Jasper, AL today!