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Auto insurance covers damages done to you, your car, other people and other's property as a result of your car.

The amount of insurance you need is dependent on the other insurance coverage you have, the value of your car, the amount of other assets you need to protect and the rules in your state.

Collision coverage

This portion of your policy covers repairs to your car after an accident, no matter who caused it. If the car is completely destroyed, this insurance will pay off. If the car was financed, you will need the proceeds to pay off the loan. Both collision and comprehensive insurance is generally written to cover the car's fair market value. If your car has much value, you should have this type of coverage. If your car is old and has very little value, you may want to drop this portion of the coverage.

Comprehensive coverage

This portion of your insurance covers damage to your car as a result of random acts like fire, theft, floods, hail damage, vandalism and even damages caused by a stone flying up on the road and denting a fender. The amount of comprehensive coverage you need is determined by the value of your car. Many drivers choose to keep comprehensive coverage on less valuable cars even if they drop their collision coverage because it tends to be cheaper. But, the insurer will not pay more than the car is worth.

Auto liability coverage

This type of coverage is absolutely essential. If you cause an accident with your car and injure someone or damage their property, auto liability insurance will the pay the injured person's medical and repair expenses. This portion of your policy's cost is usually the greatest.

Most states require some level of auto liability coverage. You will probably want more than the requirement. If there is an accident and you are responsible for damages, you want to make sure your other assets are protected. If you have other assets, such as a home or investments, you want to make sure you do not lose them in a lawsuit over an auto accident. The more assets you have, the greater the coverage you need. Discuss the coverage and costs with your insurance agent. Also, if a driver that is uninsured or under-insured hurts you, your policy will pay for your expenses.

If you have questions or want to request a change in coverage, contact your Starion Insurance agent today or request a coverage change online. If you’re new to Starion Insurance, you can request a free quote and get the process started today.