Toyota of Orlando explains car insurance

 Owning a car requires a lot of adulting. Not only do you have to drive carefully, make your car payments on time, and ensure that you get routine car maintenance scheduled to keep it in top shape, but you also have to worry about car insurance. Toyota of Orlando is always here to help explain the finer points of car buying and ownership, and today we're tackling what car insurance is and the different types of coverage available to you. 

Why do you need car insurance?

Car insurance basically covers you and your vehicle in the event of an accident or collision. If you didn't have car insurance and you got into an accident, you would have to pay the entirety of your medical bills and auto repair bills out of pocket (and trust us, they both add up quickly). With car insurance, you typically only have to pay a deductible and your insurance company will cover the rest. Additionally, it's illegal to drive without car insurance, so if you don't have it you could find yourself ticketed or worse. 

So, how do you know which policy is the best for you and your Orlando Toyota? It's easier than it seems (we promise), and our Orlando Toyota dealership is here to explain the basics to you. 

As noted, your car insurance is there to pay a majority of your car repair and medical bills should you get into an accident. And if the accident is your fault, it might also cover the other driver's medical and auto repair bills. That's why it's so important to have. There are several different categories in your car insurance policy and we're breaking them down below. 

• Bodily injury and personal liability insurance covers the other driver's medical bills and your car repair bills if you get into a car accident and you're the one at fault. 
• On the other hand, Personal Injury Protection helps cover your medical bills, and Collision helps pay for the auto repair expenses for your Orlando Toyota. 
• Comprehensive car insurance covers things out of the realm of car accidents, like natural disasters. This is also the coverage that would handle a hit-and-run accident where you're the only driver with coverage, as well as replacing your car windshield if it cracks or breaks (at least in the state of Florida). 

Another thing to consider when you're shopping car insurance is how often you're going to pay the premium. Most insurance companies offer monthly, biannually, and annual payments. Keep in mind that if you pay once or twice a year, the payments will be large, but you may qualify for a discount based on your car insurance company. On the other hand, if you want more manageable payments, you should opt for monthly payments. 

Get answers to your car insurance questions at Toyota of Orlando 

Have more questions about car insurance? Toyota of Orlando can help. We're open seven days a week with the answers you need at (407) 298-4500 and we're also conveniently located just off I-4 across from the Millenia Mall at 3575 Vineland Road.