What type of car insurance do I need?
The type of insurance you need depends on the level of cover you want. There are three levels of coverage.
Fully comprehensive
Fully comprehensive coverage offers covering the cost of damages to your vehicle when you’re involved in an accident that’s not caused by a collision. Comprehensive coverage covers losses like theft, vandalism, hail, and hitting an animal. It also includes compensation for medical treatment, legal expenses, and accidental damage.
Third-party, fire, and theft
Third-party, fire and theft include everything that third party cover offers and could pay out if your car is stolen or damaged by fire. While it protects you against the cost of damage or injury to third parties, it won’t cover you for the cost of damage to your own car in an accident.
Third-party
Third-party insurance only covers you for injury or damage you cause to other people and their property. This is the minimum level of coverage you need to drive on US roads legally. It doesn’t provide you with any financial help for your injury or repairing fee to your vehicle.
Packages to better fit your needs
Degla agents are always there to advise you on important coverage decisions and help simplify your experience.
Single car insurance
Single car insurance offers drivers the most coverage. It includes all the cover of a third party fire and theft policy, but it could also protect you as a driver and may pay out for damage to your car. It also includes compensation for medical treatment, legal expenses and accidental damage. Furthermore, it’s worth knowing that comprehensive insurance is the cheapest level of cover for many drivers, even though it offers the most coverage. It’s worth comparing to see for yourself.
Multi-car insurance
More cars, more savings. Multi-car insurance covers multiple cars under one policy with a single provider. You'll get all the benefits of standard car insurance, but there’s usually a discount for each car you add to the policy. Multi-car policies are designed to cover all the cars at a single address, although some will be able to cover immediate family, like grown-up children, who live elsewhere. With multiple car insurance, your renewal dates are synced up – it’s one policy for all the cars. The cover is the same for every driver and car, but always check the paperwork to be sure. Getting multi-car insurance quotes is quick and easy, and could save you money.
Temporary car insurance
Temporary car insurance, also known as short-term car insurance, allows you to get fast, flexible cover from as little as one hour, one week or longer. It typically offers fully comprehensive cover – the highest level of car insurance – which covers any damage you may cause to other people and their cars, as well as you and your vehicle. You can also use short-term car insurance if you want someone else to drive your car temporarily. The vehicle owner doesn’t have to do a thing, and neither the vehicle owner’s no claims discount nor your no claims discount will be affected. However, if you do have an accident, it could affect your car insurance premiums in the future.
Get a quote by calling at 301-655-0468
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34 Adams Avenue, Greenbelt, Maryland, United States
301-655-0468
contact@degla.com