Car Insurance Basics from Classic Kia

Mar 22, 2018

When it comes to car ownership, buying the car is only a piece of the puzzle. Here at Classic Kia, your Kia dealer serving Kenosha, WI, we want to help out in as many ways as possible. One such way is explaining about car insurance.

Car insurance is a comprehensive term for what is actually a variety of coverages. Its purpose is that in the event of an accident, there is a financial safety net to cover (or help cover) the damages. Different coverages will give you different areas of protection.

In the overwhelming majority of America, car insurance is more than a mere suggestion. In fact, every state but one requires a form of auto insurance and even the state that doesn’t (New Hampshire if you’re curious) still requires proof that you can financially handle repair costs should they arise. While you do need coverage, you aren’t required by law to have all of them. Typically, only Liability insurance is mandatory. Liability provides coverage in cases where you cause damage to others. In order for your coverage to be considered ‘full’, you’ll need Collision and Comprehensive – protection against auto accidents and protection against most other kinds of damage respectively. Despite this being considered full coverage, there are several more additional types of coverage you could employ.

As you can imagine, the more coverage you have, the more you’ll have to pay month to month. While this can make it tempting to only opt for the legally required coverage, it may not be as frugal of a decision as you may think. You will definitely save monthly. But, should you find yourself with a damaged vehicle, the cost of extensive repairs can be staggering without insurance.

When you buy a 2018 Kia Soul here at Classic Kia, you’ll have a lot of auto insurance options to choose from. If you ever have any questions, we are here to help!