Auto Insurance During the Pandemic: What You Need to Know

By the end of February, community transmission is evident in many parts of the country. With the spread of the virus, many states have enforced state-wide stay-at-home orders to curb the transmission. This restriction led people to hoard toilet papers, work remotely, and drive less.
​
Since the lockdowns, more Americans realize that they don't use their cars that often. Also, they think that having auto insurance nowadays is a bit irrelevant. However, you still need one even if you're not using your car for an extended period. Read on and learn some points about auto insurance during the pandemic:

Cutting Down on Costs
Instead of canceling your auto insurance altogether, cut back on the coverages you do not need during the pandemic. Add-ons like roadside assistance and travel coverage aren't necessary for people in the 'new normal' setting. Maintaining only the core coverage can help with damages caused by other things like storms and floods.

What Coverage Do You Need?
In cutting down costs, retain coverages that will significantly help you with the limited time you're on the road. Here are the primary examples of those coverages:

• Liability coverage – helps the insured with the cost of any bodily injury and property damage done by driving.
• Collision coverage – covers the damages caused by a road accident.
• Comprehensive coverage – applicable when your car is stolen or damaged by natural disasters or events or vandalism.
• Uninsured motorist coverage – can assist with any damages or medical costs when an uninsured motorist causes an accident.
• Personal injury protection coverage – covers the medical expenses when a person is injured while inside your car.

Higher Costs After Cancellation
Reactivating auto insurance after canceling it can create a massive gap with what you're paying right now. Canceling feels like a good idea right now, but it can become costly by removing it now.

Conclusion
It would be nice to save money during this pandemic by canceling your auto insurance, but it's not that simple. Having no insurance during this hard time can cost you more by making your car vulnerable to repairs and accidents.

The ideas mentioned are some of the avenues to keep your auto insurance. Adding to that, people can call different insurance companies to get the best auto insurance during the pandemic.

At Family Auto Insurance Agency, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (313) 285-9042 or Click Here to request a free quote.