Auto Insurance

What Kind of Auto Coverage Does Your Teen Need?

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Teen drivers are at higher risk of causing accidents due to a lack of driving experience. For this reason, your teen should have excellent insurance coverage to protect him or her on the road. At Foresee General Insurance Agency, Inc. in Harrison, AR, we can help you choose the type of insurance coverage your teen needs.

Coverage Options

Basic auto insurance policies offer numerous coverage options to protect your teen, others, and your teen’s vehicle in the event of an accident. These include:

  • Liability
  • Collision
  • Comprehensive
  • Uninsured Motorist
  • Roadside Assist

Mandatory Coverage

Minimum liability insurance is a requirement in Arizona for all drivers. Liability protects others by paying their medical or property damage expenses in accidents that are your fault. As teens are more prone to causing accidents due to their immaturity and lack of driving experience, it’s best your teen has more than minimum liability coverage to protect them against major accidents they may cause.  

Optional Coverage

Collision, comprehensive, uninsured motorists, and roadside assistance are optional coverage that offers valuable protection for teen drivers.

Collision coverage pays for damages to your teen’s (or your family’s) vehicle if your teen crashes into another vehicle or swerves into a tree, fence, or wall. If your teen drives the family car, collision coverage is a must. 

Comprehensive covers vehicle theft and damages caused by non-collision incidents like falling objects, hailstorms, or vandalism. Uninsured motorist covers damage to your teen’s vehicle if an uninsured or underinsured driver hits them. If your teen has a breakdown while driving, roadside assistance will cover his towing costs, so he’s not left stranded on the side of the road.

The right insurance coverage will give you peace of mind that your teen is well protected on the road. For help in selecting auto insurance for your teen driver, contact Foresee General Insurance Agency, Inc.in Harrison, AR.

What Kind of Auto Coverage Do You Really Need?

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Purchasing auto insurance can be a challenge, especially for new drivers. The first step to selecting a policy is determining what kind of coverage you need. At Foresee General Insurance Agency, Inc. in Harrison, AR, we offer a variety of coverage options to meet your needs. Here’s what you should know about auto insurance options in Arkansas.

Required Auto Insurance Coverage in Arkansas

Arkansas requires that drivers carry minimum liability coverage to pay for injuries and property damage to others in accidents they cause. Minimum coverage, however, is just a start. To protect your assets against serious accidents, you’ll need more than the minimum liability coverage. Otherwise, you could wind up paying thousands of dollars’ worth of damage out-of-pocket.

Optional Auto Coverage

If you own a costly vehicle, you’ll also want insurance protection for your investment so you don’t have to pay for damages on your own.

  • Collision and comprehensive are optional insurance that covers your vehicle in an accident. Collision insurance covers repairs to your car if you crash into another vehicle or object (other than animals). Comprehensive insurance protects you against theft, animal strikes and damage caused by inclement weather (wind, hail, snowstorm, etc.).
  • Uninsured/underinsured motorist coverage helps pay for damage to your vehicle if you’re hit by another driver who has little or no insurance coverage.
  • If you’re into road trips, you may want roadside assist coverage to pay for towing and minor repairs in case your car breaks down in the middle of nowhere.

When selecting auto insurance coverage, consider the value of your vehicle, your lifestyle, and your driving habits and choose the coverage that provides the best protection for you. To learn more about your auto insurance options and costs in Harrison, AR, contact Foresee General Insurance Agency, Inc.