Accidents are one of the most common scenarios on the streets with over 10 million accidents happening each year. It is, therefore, mandatory for everyone to have an insurance policy which is guaranteed to keep you and your vehicle safe on the road. When going into insurance, it is advisable that you consider a policy which would suit you best by compensating you when you get involved in an accident and that is why it is not a good approach to get insurance online without professional advice because you might not be fully covered by the insurance. It is also good to consider your budget while picking out an insurance policy.

Insurance agents can help you pick insurance policies which would be in your best interest, which would not cost much and also help you get discounts. Insurance agents can, therefore, assist you in the following ways:

1. Help you pick a quality auto insurance policy which would be in accordance with the laws of your state.

2. They team up with multiple carriers to get a quality auto insurance which would be at an affordable price.

3. The agent will help you pick out an auto insurance policy which would be in line with your needs and not just any auto insurance policy.

When you review an auto insurance policy with your insurance agent, you get a wide range of auto insurance companies to pick from. You are permitted to keep checking till you find a policy which suits you best, and you can not be forced to pick the insurance policy from just one company. To know which insurance will suit your needs certain things will be considered such a the age of members of your family and number of the people who can drive. Also, your agent will try to combine your home and auto insurance policy or bundle your vehicle together under one insurance policy to help you benefit more from the insurance company.

Furthermore, your insurance agent can help check insurance policy choices, coverage limits, deductibles and pricing to ensure that you pick an insurance policy which would cover all your needs.

In every state, drivers are expected to have auto liability insurance such as limited insurance. The requirements for auto insurance varies based on each state, with the inclusion of bodily injury cost per person and per accident and also a minimum liability for property damage.

For instance, when you are liable for an accident, the liability coverage in auto insurance pays for the costs up to the limit in your insurance policy. To protect your vehicle in accidents you need the collision coverage to protect you from losing your vehicle. For people who have more needs than others, you can opt for the comprehensive coverage insurance policy. The combination of both collision and comprehensive auto insurance policy would keep you covered in instances such as accidents, theft, vandalism and so on.

The three primary types of auto insurance policy are Liability Insurance, Collision Insurance, and Comprehensive insurance.

Liability insurance covers the costs for injuries and property damage in an accident which a person is liable for.

Collision insurance covers the cost of repairs to your vehicle after an accident.

Comprehensive insurance also known as 'other than collision insurance' covers damages to your vehicle from natural disaster or theft.

The following are also auto insurance policies which might be available to you based on the laws of your state.

Medical payments; this auto insurance covers costs of injuries inflicted on you and the passengers in your car during the accident regardless of who was liable for the accident.

Personal Injury Protection (PIP); this is similar to the medical payment auto insurance policy and the PIP auto insurance covers the medical bills from an accident regardless of liability. The PIP also covers lost wages.

Rental reimbursement; this auto insurance policy covers the payment of rental cars while your vehicle is being repaired at a mechanic workshop.

Towing and roadside service; this auto insurance policy covers the costs of towing your car to a mechanic workshop and also emergency roadside services.

There's also the online method of getting an auto insurance policy for your vehicle, but it comes with risks and drawbacks. The most notable drawback is the fact that the online insurance policy might not match your need because it is extremely difficult to know the online insurance offers the right protection or comes at an affordable cost. When you buy an online insurance policy such as a buying a no-frills basic cat insurance policy, which would only meet the requirements of the state and might not provide compensation after an accident.