Auto Insurance
As you start to drive around, you need to have a solid auto insurance policy in place. There are so many forms of coverage that it can quickly become overwhelming to build a policy without professional help. At Modern Benefits, LLC, our agents are here to uncomplicate the process.
What Auto Insurance is Required
Understanding what auto insurance is required in your state is critical. You will need to have proof of insurance in your vehicle at all times or you could face fines if you are pulled over. The state requires you to have minimum levels of liability in the form of bodily injury and property damage.
If you are leasing or financing your vehicle, you will also need to have other forms of coverage. What coverage is determined by the lienholder and could include collision and comprehensive coverage or higher levels of liability beyond the state minimums.
Optional Insurance Coverage
Even after you obtain the minimum levels as required by your state, you may decide to have more coverage. After all, if your vehicle gets damaged, you will want to file a claim with the insurance company. It’s much cheaper to pay a deductible than to have to make all of the repairs on your own.
Some coverage levels to consider include:
- Collision
- Comprehensive
- Uninsured motorist
- Roadside assistance
- Rental car coverage
With so many forms of coverage, the entire process can be overwhelming. How much is too much coverage? What scenarios are you leaving yourself unprotected from? You are going to have questions, and our independent insurance agents have the answers. We can walk you through the process, get quotes from multiple insurance companies, and provide recommendations to ensure you have the kind of coverage that will protect you against virtually every scenario that can happen on and off the road.
Discover more about auto insurance by calling us at Modern Benefits, LLC. Our agents can work to find you an affordable policy that offers the coverage you need.
Our insurance agency is licensed in multiple states, including NJ, PA, DE, and MD. We want to help you with all of your insurance needs, no matter where you live.
