According to research, the average American will spend about 290 hours driving each year. That’s a little over an hour each day. But what if you don’t drive every day? Maybe you only use your car for weekends or occasional errands. Do you still need auto insurance? This article will explore whether you need auto insurance if you don’t drive often. Max Insurance LLC in Des Moines, IA can help you navigate this important insurance coverage.
Why Car Insurance Is a Must Have
If you own a car, most states require you to have some form of auto insurance. Even if you don’t use your vehicle every day, it’s still considered a liability. If you get into an accident, your insurance will help cover the damages—whether it’s to another person, property, or both.
What Type of Auto Insurance Do You Need?
The type of insurance you need will vary from state to state. But in general, you’ll need at least liability coverage, which pays for damages if you’re at fault for an accident. If you have a loan or lease on your car, your lender will also require you to have collision and comprehensive coverage, which pays for damages to your own vehicle.
How Much Auto Insurance Do You Need?
The amount of auto insurance you need will also depend on your state’s requirements. But even if your state doesn’t require a certain type or amount of coverage, it’s still a good idea to have it. Why? Because if you cause an accident and don’t have enough insurance to cover the damages, you could be held liable for the rest of the costs.
Give Us A Call
If you only use your car occasionally, you may be able to get by with a minimal amount of coverage. But keep in mind that even if you don’t drive often, you’re still at risk of being in an accident. If you are, you’ll want to make sure you have enough coverage to protect yourself financially.
If you’re in the greater Des Moines, IA community, get in touch with us at Max Insurance LLC. We can help you find the right auto insurance for your needs. We’ll work with you to customize a policy that fits both your budget and your coverage requirements. Contact us today to get started.