Shopping for auto insurance is something every driver goes through. A common decision most drivers need to make when it comes to choosing the right auto insurance is whether to go with liability coverage or comprehensive coverage on your car. In order to make the right decision you need to know the difference between these two types of coverages and consider the ups and downs of both.
Liability coverage is the cheaper option of the two but the downside of this coverage is that it does not offer coverage for damage you have caused to other vehicles. So if you get in a car accident and are the one at fault, even with liability coverage, you will need to pay for the expenses out of your own pocket.
Comprehensive coverage on the other hand not only provides coverage for the damages you have made to other vehicles but also covers any damage on your own vehicle be it traffic related or because of natural causes. The downside to comprehensive coverage is the deductible you will need to pay with every claim you make. The plus side is that liability coverage is actually included in your comprehensive coverage so although you may have to pay for some of the damages to your car, you still can get a good all-around coverage on your vehicle.
So how do you know which insurance is best for you?
Phocus Companies is an independent insurance agency that you can rely on. We have more than 25 years of experience and can customize an insurance plan to fit your needs. Contact Phocus Companies in Phoenix, Arizona today for a free auto insurance quote!
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