Not all discounts available in each state. Subject to eligibility requirements. 2Optional coverage that is available for additional cost. Coverage applies to certain covered total losses for certain covered autos subject to titling, purchase, loss occurrence time period and mileage requirements. Coverage is subject to all policy terms, conditions, exclusions and limitations. Insurance underwritten by one of the following companies: Auto Club Insurance Association, MemberSelect Insurance Company, Auto Club Group Insurance Company, Auto Club Property Casualty Insurance Company, Auto Club South Insurance Company, Auto Club Insurance Company of Florida, or non affiliated insurance companies.
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You wouldn’t want to be caught in hailstorm and not have comprehensive insurance!For more information on what is collision insurance, what is comprehensive insurance, and how much you might need, talk to one of our friendly agents today. So the 60 months that seemed like forever are finally up and your car is finally paid off. Yes, you own your own vehicle and you start imagining all the money you’re going to save now that you’re no longer obligated to the ball and chain of your car payment. What’s the next step?After you jump for joy and do a celebratory victory dance, your next step should be shopping around for auto insurance quotes to reduce your rate and save money by dropping coverage you no longer need. Understanding the dynamics that come into play after a car is paid off can assist you in finding reasonably priced auto insurance for your paid off vehicle, while maintaining the right amount of coverage that you’ll need. One of the requirements when purchasing a vehicle through a finance company is to maintain comprehensive and collision coverage. Once your loan is paid off, you will no longer be legally responsible to carry this coverage, which in turn may reduce your rates and save you money, but you should not just drop the entire coverage completely without some careful thought and consideration. Comprehensive and collision insurance includes a wide array of coverage including vehicle damage during accidents and vehicle theft. Therefore, this coverage should only be dropped once one has taken time to evaluate its necessity to his/her own situation. You must understand that once you have paid off your car, and its value decreases. Even though you may consider dropping this coverage to save money on premiums, you should take into consideration whether or not the savings would be enough to offset the risk of having to pay the entire cost of repairing or replacing the vehicle .