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Pemco car insurance collision coverage: things you should know

Having Pemco car insurance collision coverage will help you pay for any damage done to your car in an accident

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With so many auto insurance policy options, it can be difficult to know what type of coverage to purchase. You may want to choose Pemco car insurance collision coverage to give your vehicle the ultimate coverage in the event of an accident.

What Pemco collision covers

consider pemco car insurance collision coverageCollision policies can differ depending on the insurance carrier you select. Typically, this type of coverage will cover the cost of car accident repair expenses, rollover accident repair expenses or the cost of replacing your vehicle after a total loss. If you do experience a total loss, you will usually receive the cash value of the car rather than the amount that you paid for it. Pemco car insurance collision coverage will cover these types of costs no matter who is at fault for the accident.

Do you need this coverage?

If you drive an older car, collision insurance might not be worth the premium you will have to pay. The cost to repair or replace your vehicle might end up being less than what you pay for your collision coverage. Conversely, if you have a newer car, the collision coverage on your policy may be worth the price you pay for it.

For free quotes on car insurance policies with collision coverage, click here

While no state will require you to carry collision coverage as a condition of being a licensed driver, you may still be required to have collision coverage in place. If you have a car loan or lease, there's a very good chance you will need to add collision or comprehensive coverage, or perhaps both options. The terms and conditions of most car loans and leases will require this as a way to protect the lender/lessee's interests in the car until you own it outright or fulfill the terms of the lease. Be sure to review any insurance coverage requirements you may be subject to.

Pemco can cover all your options

pemco car insurance collision coverageIt doesn't make a lot of sense to pay for Pemco car insurance collision coverage if you have an existing car insurance policy with another company. You can switch all of your coverage to Pemco since this insurance carrier offers a full line of car insurance coverage options. In addition to collision insurance, you can purchase the following protection:

  • Bodily injury and property damage liability coverage
  • Uninsured/underinsured motorists coverage
  • Personal injury protection (PIP) coverage
  • Comprehensive auto coverage
  • Auto loan endorsement (GAP) coverage
  • Auto accidental death coverage
  • Rental reimbursement coverage
  • Towing and labor coverage

Ask about discounts

As with other insurance carriers, Pemco offers many discounts to go along with your new auto insurance policy. You can enjoy savings as a new customer, a safe driver, a good student or a teacher. You can even earn a discount if you use your car two days or less per week to drive to and from work.


As you consider the different auto insurance coverage options, remember to take a closer look at Pemco car insurance collision coverage. It might help if you spend some time visiting with a licensed car insurance agent with access to companies like Pemco. An agent will be able to answer all of your questions and even show you how selecting different coverage options will affect your costs and your levels of protection. Reply! can help by putting you in touch with insurance professionals in your area eager to help you build just the right car insurance coverage package.

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