In many states, auto insurance is the law. Even though you think your car might not be worth much, insurance helps protect you and your passengers from costly medical expenses and other damages.
No matter how old your car is, it's still capable of causing damage or injury if you get into an accident. If someone else is hurt or has their property damaged, you could be on the hook to pay their damages. The good news is, these coverages are relatively inexpensive compared to other ones on your policy:
If someone inside your car gets hurt, including yourself, medical expenses could be minimal. Or they could be a lot. Your regular health insurance might cover some of those bills, but lost wages, services you need while you're hurt and deductibles can add up. These coverages can help defray those costs:
If your car is old and worth less than your deductible, Collision and Comprehensive coverage might be options that you could skip. Because even if your car was totaled, you still might not receive any, or very little payment from insurance.
Let's face it, an older car might not be the most reliable ride out there. For those instances (in many states), Allstate offers Towing and Labor coverage—to help if you're stuck on the side of the road or have a flat.
Allstate's quote tool is quick and easy, can help tell you many discounts for which you may qualify, help you understand your coverage options and even let you purchase online. Get an auto insurance quote.
If you'd rather, you can also find an Allstate agent near you or call 1-866-621-6900 to talk to a licensed insurance professional.