Carrying auto insurance is incredibly important. Not only is it required in many cases, but also it is the best way to protect yourself financially if you were to be in an accident. Although you may want to save money on your policy, it is important that you don't compromise your coverage in attempts to save money. Here are some things that every auto insurance policy should include.  

1. Liability Coverage 

Lawsuits happen everyday, especially associated with car accidents. You have no idea if you are going to get in a car accident, and if you will be held responsible. Even the most careful drivers still have accidents. This is why it is so important to protect yourself in every way possible.

When you have liability coverage the insurance company will help to pay your legal expenses if you were to be sued. They could help to pay the settlement so that you aren't stuck with the burden of paying a great deal of money to the other party. This is something you should never go without.

2. Good Customer Service

There are many auto insurance companies to choose from. It may feel overwhelming to know how to choose the right company for you. One thing you should seriously consider is the availability of the company and their customer service. If you get in an accident, or are in a bind, such as a dead car and need towing or roadside assistance, you need to be able to get a hold of your insurance company immediately. Many companies will offer lower premiums, but when you need to access your policy they are not available. Or they might even refuse your claims and be very hard to work with. You should never sacrifice good customer service for a better price.

3. Minimum Requirements For Your State

Lastly, it is vital that you check to make sure that the specific insurance company that you are choosing is actually licensed to insure people in your state. Although you may be traveling cross-country, first and foremost you need to be insured when you are driving around your home.

Not all insurance companies are able to insure people in every part of the country. Some are just regional insurance companies. This is why you need to call your state department and ask if your specific company is licensed before you sign.

These are just a couple things you need to know before choosing an auto insurance policy. Contact a local provider, such as Peake Insurance Agency, for further assistance.