When buying a vehicle, you may consider getting liability only insurance or full coverage auto insurance. These two types of coverage are very different! The agents at Cross Creek Insurance, servicing Hope Mills, NC, can help you decide which type is best for you. With all the options laid out for you by a knowledgeable insurance agent, you can make the best decision for your needs.

Understanding Liability Only Coverage and Full Coverage

Liability only car insurance is a type of insurance that will only pay to repair or replace the other driver’s vehicle if you cause a collision. This type of insurance will not repair your vehicle, nor will this type of insurance help if your vehicle is stolen. Liability only coverage is usually the lowest cost option for drivers, and is the bare minimum amount of insurance required by law. If you do not get a loan to buy your vehicle, liability only auto insurance is an affordable option.

On the other hand, full-coverage auto insurance combines many insurance types that provides protection in a range of covered events. If your car is damaged in a collision, full coverage auto can pay to repair or replace it. If your vehicle is stolen, full coverage auto can replace it. If a fire damages your car, a full coverage auto can repair it. If your car damages another vehicle in a collision where you are at fault, this insurance will pay to repair or replace it. This type of insurance may be required if you get an auto loan to buy your vehicle.

Which Type of Insurance Should I Get?

Are you not sure which type of insurance is right for you? Call Cross Creek Insurance, servicing Hope Mills, NC. We’re here to help!