How Car Insurance Works

On the surface, car insurance may seem pretty simple, but it can be confusing. If you are planning to buy your first policy, it’s important to have as much information as possible. Even if you’ve been a policy holder for years, it could be time for a little refresher. At Universal Nissan, we want our customers to have all of the information they need when it comes to purchasing insurance. Here are some key points to keep in mind for your new Nissan sedan or whatever else you need to insure:

Why is Insurance so Important?

You may be the best driver in the world driving a brand-new 2019 Nissan Altima loaded with safety features, but you still need insurance. Think about what you might encounter just driving to the store: tailgaters, pedestrians darting out into traffic, other drivers making turns without using their turn signals. It’s a regular gauntlet of possible hazards, which is why you need insurance to keep you protected in the event of an accident. Plus, it’s required by law. If you get caught driving without basic coverage, you’ll be forced to pay a large fine.

What are the Different Types of Car Insurance?

There are many more types of car insurance than most people realize. All drivers should know about their options.

• Liability – Generally, liability is the minimum amount of coverage that drivers are obligated to have. It protects you if you’re the driver at fault in an accident.

• Collision – With collision insurance, damage from accidents will be covered. Another benefit is that this policy follows you no matter what car you drive.

• Comprehensive – Comprehensive car insurance covers things not related to an accident involving another vehicle. This could include a falling tree or if you hit a telephone pole.

• Uninsured/Underinsured Motorist – If you get into an accident with somebody who doesn’t have insurance or their insurance won’t cover the damages, uninsured/underinsured motorist coverage will make sure you get the money you need.

Which Kind of Insurance Do I Need?

Before deciding on a new policy, this is a very important question to answer. There are many factors to consider, including the age of your vehicle, the area you live in, and your budget. If you need help figuring out which insurance is right for you, contact Universal Nissan Orlando. We pride ourselves on the service and support we give our customers, which makes us one of your best local Nissan dealerships. Get in touch today.