Some drivers opt for minimum liability car insurance coverage for the sake of cost. This can include Lafayette drivers who’ve had DUI convictions. These motorists, once they earn the right to drive again, find that their rates have escalated to the point where many can only afford this minimal coverage. Sometimes, this 25/50/25 liability coverage is known, for that reason, as DUI car insurance.
Keep in mind, liability coverage only financially protects other parties, not you.
Other Lafayette motorists seek quotes for more extensive car insurance protection. Full coverage includes the following:
Collision — This pays off if your car is damaged in an accident, whether with another vehicle, one caused by contact with a stationary object such as a tree, or in a rollover or other single-vehicle accident.
Comprehensive — When your car is damaged, but not as the result of a collision or accident, this coverage kicks in. This might include loss of damage as the result of theft, fire, flood, vandalism, or collision with a deer or other animal.
In addition, your full-coverage policy will provide protection against uninsured or underinsured motorists.
Motorists can also control their Lafayette car insurance rates by adjusting the deductible, the amount of money the insured party is responsible for paying before the insurance begins to pay. If you have a $1,000 deductible and your car damage is for $4,000, your insurance claim would be for $3,000 after you’ve assumed responsibility for the first $1,000.
The higher your deductible, the lower your premiums will be. Your Freeway Insurance agent can explain the details and quote you coverage at various deductibles.