HOOK
Thinking about lowering your car insurance bill? The cheapest policy can be expensive later if it leaves out one of these common coverage gaps. [B-roll: driver reviewing insurance app on phone, worried expression]
KEY POINT 1
First, check your liability limits. State minimums may satisfy the law, but they may not fully protect you if you cause a serious crash. [B-roll: rear-end accident graphic, policy document highlighted]
KEY POINT 2
Second, look at uninsured and underinsured motorist coverage. If the other driver has little or no insurance, this is often what helps cover your injuries and damages. [B-roll: two cars, one labeled uninsured, claim paperwork]
KEY POINT 3
Third, don’t overlook comprehensive and collision. Collision helps with crash damage to your car; comprehensive helps with things like theft, hail, fire, or hitting an animal. [B-roll: hail on car hood, deer crossing road, stolen car icon]
KEY POINT 4
Finally, ask about extras you might need, like rental reimbursement or roadside assistance. A small monthly add-on can save a major headache when your car is in the shop. [B-roll: tow truck, rental car keys, roadside service call]
CTA
Before your next renewal, compare what you pay with what’s actually covered. If you want, I can help you make a quick auto insurance checklist for your own policy. [B-roll: checklist on screen, “Review Your Policy” button]
