Cleveland Car Insurance: Why You Need It, What You Need, and How to Get It
Why you need it…
If you’re anything like us, you won’t buy something that you don’t really want unless you need it. We also wouldn’t buy something if you didn’t understand why you need it. We’re breaking it down into three simple reasons why you’ll want to consider purchasing car insurance (for our Cleveland natives, yes, we’ve got you covered with Elyria car insurance and Avon Lake car insurance). Here are the three basic reasons why you need car insurance and why it is not a waste of money, in our opinion.
It’s a state law
Not only is it important, but car insurance is actually necessary in most states. You can’t argue with the law, you’ve simply got to follow it. For our Cleveland-area readers, Ohio laws say that car insurance is necessary. This means that you’ll need to purchase that Elyria car insurance or that Avon Lake car insurance policy. Good news, we’ve got the coverage that you need! Simply shoot us an e-mail or give us a call and we’ll be happy to help you choose the coverage that works best for you.
Accidents are expensive
If you’ve ever had anything happen to your car, you know this to be true. Even simple scratches and dents can rack up repair costs in the thousands-of-dollars range, so imagine a full-on collision. Not only would the repair costs be extremely expensive, but so would the medical bills and potential lawsuits. Car insurance being a requirement in most states is actually very beneficial, because it forces you to protect yourself from potential situations where you could end up going into a great amount of debt, simply because of an accident.
Your lender may require it
Some loans and lease agreements require certain types of car insurance coverage to be on your car. Comprehensive coverage and collision coverage are two that are typically necessary if your lender requires you to have coverage. It is important to figure this out, preferably before you buy your car, to ensure that you know what you’re getting into and to make sure that you are doing everything the right way. Cleveland natives, do yourself a favor, follow your lender’s rules and get yourself that Elyria car insurance or that Avon Lake car insurance policy.
What you need...
Now that you know why you need car insurance, let’s talk about what coverage options you may want to check out further. Please note that these are just a few of the available policies, but you can learn more about all of the options we offer by getting in contact with one of our agents today.
What liability coverage does, for the most part, is to cover costs when you are in an accident and at-fault. This could mean your insurance company paying for the other party’s property damage or medical bills. This coverage is the minimum, basic coverage that most states do require. This coverage is necessary, so if you’re on a very tight budget, this might be the one that you go with. With that being said, it can really pay off in the long run to go with another type of coverage that gives you more protection and even more coverage.
Uninsured and Underinsured Motorist Coverage
This coverage is honestly a shield from people who have not been responsible with getting their own proper insurance coverage. If you were to get in a wreck and the other person had no insurance, that could be a very big problem for you. If, however, you have this coverage, your insurance company will help you out in situations like this and save you a lot of stress in the end. Another example of this coverage being beneficial could be an instance where the other driver in an accident doesn’t have enough insurance coverage to pay your medical bills or for the full car repairs that you need. In a case like this, uninsured and underinsured motorist coverage would come in handy. If you live in the Cleveland area and are interested in coverage like this, talk to us today about our Elyria car insurance and Avon Lake car insurance.
Comprehensive coverage is something that will come in handy in cases where your car is damaged, but not from a collision. Situations could include theft, hail, vandalism, and more. This coverage is sometimes mandatory for those who are leasing or financing a car. One example of this coverage coming in handy would be a hail storm. If you’re one of the unlucky ones who ends up with a dented car from a hail storm, you’ll definitely want to have comprehensive coverage in place, or else you may be paying a lot of money out of pocket simply to fix up your car.
Collision coverage is what it sounds like… it’s simply coverage that helps pay for car repairs in cases of an accident. It is very important to keep in mind that although this is important, and in some cases required, this coverage will only help pay for repairs to your car, not the other person’s. This also will not cover any medical bills, regardless of whether they’re your medical bills or the other person’s.
How to get it…
This may just be the most simple step in car insurance because we make it easy on you! Simply contact Cobos Insurance via e-mail or phone call today to speak with an agent that can listen to your unique needs and help you determine what coverage best fits those needs. We especially encourage our fellow Cleveland natives to talk to us today about Elyria car insurance and Avon Lake car insurance. Happy car insurance shopping!