Collision and comprehensive policies aren’t required but are great options for protecting your investment. Depending on your driving situation and your vehicle, consider adding collision and/or comprehensive car insurance in Emerald Park.

Collision coverage protects the repair and replacement costs of your vehicle in the event of a collision or other accident while you drive. Whether you collide with another driver or a stationary vehicle, this policy can cover most or all of the repair costs incurred. Collision doesn’t protect against incidents when your car is parked and isn’t running, so many drivers include comprehensive coverage for all-around protection.

Comprehensive protects you from theft, vandalism, falling objects and many natural disasters. It’s tailored to protect you from the most common incidents not protected by collision. Discuss this option with your insurance agent at HUB International to weigh the pros and cons and to identify the included perils. Most comprehensive policies cover against a wide range of perils but other perils, such as flooding, may not be included.

Enjoy affordable car insurance in Emerald Park by working with our trusted team. Don’t overpay for your policy or choose a policy that doesn’t have the protection you need. Our agents work with you to trim areas that aren’t necessary and include relevant insurance options. Here are other great ways to save money on your policy:

• Use telematic and anti-theft devices
• Limit your driving and drive safely
• Keep a clean driving record and avoid high-risk drivers on your policy
• Bundle your auto, home and other insurance options

Discuss other safety features you use, like parking in a garage, to see if you qualify for a discount in your insurance coverage. Affordable insurance doesn’t have to miss out on essential areas of protection.

Personalize your policy to get the most out of car insurance in Emerald Park. A classic or sports car requires more comprehensive coverage than budget vehicles. A personalized policy ensures you have the peace of mind you need without overpaying on your premium.

Find out the replacement coverage of your vehicle. This will affect the necessary collision or comprehensive coverage you need. Don’t invest in collision coverage only to discover it won’t cover the full replacement value of your vehicle and valuable aftermarket components or electronic equipment.

Discuss your driving habits with your insurance agent. If you frequently drive out of the country consider worldwide coverage on your vehicle. Don’t drive without insurance every time you cross the border, but invest in coverage that protects you wherever you travel.