If you are in the market for auto insurance, Henry M. Murray Agency can guide your way to a reasonable rate with the coverage you need. With dozens of accidents on the road each day, you need the right policy to cover your medical and repair bills, and even protecting yourself from lawsuits. Take a look at some of the ways you can think smart about your auto insurance policy.

State Requirements

Many states, including drivers in Annapolis, Maryland, must carry a minimum amount of car insurance. Currently, liability insurance is mandatory. You cannot renew your car’s registration without proof of this coverage. However, you should consider buying more than just the minimum. Car repairs costs can easily skyrocket to more than a yearly premium.

Protecting Yourself

Several other insurance policy options, including Personal Injury Protection, provide peace-of-mind in the event of an accident. For example, you and your passengers require extensive medical care after the accident. This protection policy pays up to a specified amount to cover these medical costs. Even if the accident was caused by you or the other driver, this coverage protects your assets.

Uninsured motorist coverage is another option you should consider. With many drivers on the road that are not paying the limited liability coverage, or even no insurance at all, you are at risk of paying for expenses out-of-pocket in an accident with them. Both medical and and car repairs are covered with this policy add-on.

Considering Older Vehicles

If you have a car that is more than 10 years old, you may want to think about strategically selecting your coverage. Although you must still pay for liability, other coverages do not need to be such high dollar amounts. Because a major crash may completely wipe the car’s value out, it may be more prudent to select a high premium to lower your monthly costs. Any extra money can go toward a new car purchase.

Contact Henry M. Murray Agency today with any auto insurance questions. With our talented team of agents, we can pull a policy together, based on your particular needs. You, your car and passengers are secure with Henry M. Murray Agency

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