It protects you if your car kills or injures someone else, or damages someone else's property. If you are legally liable for injuries, death, or damages resulting from an automobile accident, you could face payments of tens of thousands of dollars. If you do not have liability insurance to help pay those costs, you will have to pay them yourself. This is why you will want to have liability insurance, even if your car itself is not very valuable. Collision insurance protects your car in case of collision with another car.
Comprehensive insurance covers losses caused by storms, thieves, and vandals.
Unless a friend can recommend a reliable agent to you, you should talk to at least two agents about your insurance needs. The amount of insurance you buy for your car should depend on its value. Insurance rates vary from company to company, and they depend also on the value of the car, the amount it is driven, the age of the drivers, and the past driving records of the drivers. Driving in Winter Winter often brings dangerous driving conditions to the Rochester area. Drive carefully .