Some features of IGO auto insurance include property, liability and medical coverage, according to the company website. Property damage protects the insured against damage or theft, liability covers the cost of legal responsibility to other people for injury or property damage, and medical coverage pays for medical expenses or rehabilitation services.
A person purchasing auto insurance has the opportunity to purchase six separate types of coverage, states IGO Insurance. Auto insurance allows a driver to protect himself financially. Depending what state a person lives in, he may have to purchase only some of the available coverages but not all of them. Lenders also have specific requirements concerning auto insurance. Typically, an auto insurance policy lasts for six months to one year.
An insurance agent is tasked with finding the right coverage to fit an individuals coverage needs, explains IGO Insurance. An agent explains different aspects of coverage such as what discounts are available including student, good driver or multiple policy discounts. One common way of keeping premiums lower is to pay a higher deductible and pay for more repairs. It is important to speak with an agent when purchasing auto insurance to ask questions regarding the procedure for reporting and settling a claim.