Choosing an auto insurance plan is a major decision. Hopefully, you never get in an accident or otherwise have to exercise your insurance plan, but if you do, you’ll want to make sure you’ve got the appropriate coverage. Cordell Insurance has helped countless people in Baton Rouge, LA pick the auto insurance plan right for their needs.

Let’s look at some factors Baton Rouge residents should consider when picking an auto insurance plan.

How Much Is The Deductible?

You’ll want to pay close attention to the deducible. This is the amount you have to pay out of pocket before insurance kicks in. If you don’t have money set aside for emergencies, you may want to pick a plan with a lower deductible.

How Much Liability Coverage is Provided?

Liability coverage will cover someone else’s medical bills and property damage costs if an accident occurs. The more liability coverage your auto insurance plan offers, the lower the risks that you may personally have to pay for someone’s medical bills or other costs.

Does An Auto Insurance Plan Cover Water Damage?

Baton Rouge and Louisiana experience floods and extreme weather from time to time. Comprehensive auto insurance plans often cover water damage but only under certain situations. Make sure you read the fine print when selecting a car insurance plan.

How Is Personal Property Handled?

Auto insurance usually does not cover personal property stolen from within a car. However, some insurance providers do provide optional plans for personal property coverage. If you frequently leave the expensive property (such as a laptop) in your vehicle, you may want to get personal property insurance.

If you have any questions or would like help selecting an auto insurance plan, get in touch with Cordell Insurance, which serves Baton Rouge, LA.