Car Insurance Guide

This Car Insurance Guide is something that every driver should review. Car Insurance is a requirement in most states, and it can help protect you financially if you’re ever in an accident. But what is car insurance, exactly? What does it cover? How much does it cost? And how do you know which coverages are right for you? In this blog post, we’ll answer all of those questions and more. We’ll go over what car insurance is, what types of coverage are available, how to buy car insurance, and how to save money on your policy. So whether you’re just starting with car insurance or you’re looking for a better deal, read on for everything you need to know!

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What is Car Insurance?

Also known as Auto Insurance, is a type of insurance that covers damage or injury to your car and other vehicles in an accident. Car Insurance can also cover you if your car is stolen, vandalized, or damaged by something like fire or hail. It typically doesn’t include coverage for routine maintenance such as oil changes, tire rotations, etc.. Car insurance is usually required by law in most states. Car insurance is also a way to protect yourself from financial loss if you’re ever involved in an accident that causes damage to someone else’s property and/or body (like another car).

What does Car Insurance Cover?

Car Insurance covers a variety of things, depending on the policy that you choose. Most policies will cover damage to your car in an accident, as well as damage or injury to other people and their cars. Car insurance can also help protect you if you’re sued after an accident. It’s important to note that not all car insurance policies are created equal, so be sure you are reading the coverages of the quotes you receive carefully.

What Does Car Insurance NOT Cover?

Car insurance does not cover routine maintenance, such as oil changes and tire rotations. Also, a personal auto insurance policy does not cover business use as well. Some insurance carriers can add endorsements that allow for some business use so if you are unsure, it is best to speak to an agent about your specific situation. Insurance fraud is not covered either. You cannot try to damage your vehicle to turn in your vehicle for a claim for your benefit.

What coverages are available?

Many insurance companies offer very similar car insurance coverage as listed below but could may vary by state. Some carriers have special endorsements that can be added as well.

Bodily Injury Liability:

Bodily Injury Liability is the coverage that helps protect you if you’re in an accident and someone is injured. If you injure someone, this would be the coverage that will help pay for their medical bills.

Property Damage Liability:

Property Damage Liability is the coverage that helps protect you if you’re in an accident and damage someone else’s property. This could be their car, their house, or any other property you damage while operating your vehicle.

Medical Payments:

Medical Payments, regardless of fault, will help pay for medical bills sustained by the passengers of the vehicle.

Uninsured Motorist Bodily Injury:

Uninsured Motorist coverage pays bodily injury damages in the event the insured is hit by a driver that is not carrying the state minimum liability limits.

Underinsured Motorist Bodily Injury:

Underinsured Motorist Bodily Injury pays bodily injury damages in the event the insured (You) is hit by a driver that does not carry the higher limits to cover the damages.

Uninsured Property Damage:

Uninsured Property Damage will help pay for the damages to your auto in the event your car is hit by an uninsured motorist.

Collision Insurance:

Collision insurance is the coverage that helps pay for the damages to your car if you are in an accident. For example, if you hit a tree while driving drunk, your collision coverage will cover the damage to your automobile.

Comprehensive Insurance:

Comprehensive insurance is the coverage that helps pay for the damages to your car if certain perils damage your vehicle. Some examples of perils are fire, hail, animal, flood, glass breakage, etc.

Towing and Labor:

Towing and Labor cover the cost of towing your car and labor costs in the event that you are unable to drive your car due to a covered loss. For example, your car needs to be towed to a body shop due to a covered accident.

Extended Transportation:

Extended Transportation will help pay for a rental vehicle in the event your car is being serviced at the shop due to a covered accident. For example, your car is being serviced to a recent accident and the insurance company will pay up to a certain limit per day to provide you with a rental car.

Accident Forgiveness:

Accident Forgiveness is almost always an optional benefit you can pay extra for. Usually will forgive the first accident and spare you from receiving an increase on your insurance. This coverage also almost always has very strict guidelines on how to receive accident forgiveness including the policy being in force first for a certain amount of time. This also may not cover violations like speeding tickets.

GAP Coverage:

Gap Coverage will help pay off your auto loan in the event your car is totaled. For example, you owe $19,000 on your loan but the car is worth only $16,000. The coverage will pay off the total loan instead of giving you what the vehicle is worth.

Rideshare Endorsement:

The Rideshare Endorsement is becoming a very popular endorsement to add to personal auto insurance policies since Covid-19. The reason for this is that many have picked up side gigs and are using their car as an Uber Driver, GrubHub Delivery Driver, and many others. This endorsement will put coverage on your vehicle. Beware that if you do not have this endorsement added to your policy and you are working as an Uber driver, there will be no coverage.

How to get Car Insurance?

The first way is to go through an agent. This is almost always the least expensive and safest option since you are having a professional find all available discounts as well as making sure you are protected adequately. They will ask you multiple questions to determine which insurance company and coverages are best for you. You can request a quote from an agent at the top of this page!

The second way is to go online. You can find many Car insurance companies online and most of them offer a free quote. The downside to this is they almost always recommend the bare minimum limits to try and show the best price. The problem is that the bare minimum in most states can leave you with a very large bill if you are ever in an accident.

How much is Car Insurance?

The cost of car insurance varies depending on a variety of factors, including the state you live in, the type of car you have, and your driving record. The average annual cost for Car insurance is about $800, but it can vary greatly depending on a multitude of factors like having multiple vehicles, youthful drivers, accidents, violations, claims, etc. The best way to know how much your your car insurance will cost you is to get a quote!

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How much is car insurance for a 16-17-18-year-old?

Insurance for a youthful driver or newly licensed person can be very expensive. This is because the driver is at a statistically higher risk of getting into an accident. One big way to save money if you are a youthful driver is to add yourself to your parent’s insurance policy. The more experienced driver will be listed first and this person’s driving record is used to determine the cost of Car insurance. It helps significantly if that primary driver is over the age of 25 as Car insurance rates begin to drop around that age.

At what age does car insurance go down?

This depends on the insurance company you are currently with but generally, if you get your driver’s license at 16, your should start to see decreases when you turn 21 and again at 25. If you have not seen decreases yet but have attained those ages, we would recommend shopping around for another rate to see if there is a company offering better rates. This also is a great time to have your current or new insurance agent review everything to make sure you are adequately covered as well.

How to lower car insurance rates?

  1. Make sure you shop around to compare car insurance quotes. You will want to get as many quotes as possible so that you can find the insurance carriers willing to give you the best pricing on the market currently. Click Here to get multiple quotes!
  2. Try not to drive anything too fancy or expensive. The more expensive the vehicle, the more expensive the insurance is.
  3. Ask about Good Student Discounts if your grades are above a 3.0/B average.
  4. Ask about association discounts. Most insurance companies offer a discount if you are part of an Alumni, Car Club, or other association.
  5. If your parents have good Car Insurance and will add you to their policy it is usually much cheaper than your Car Insurance policy since Car Insurance rates decrease with age!
  6. Try not to get any Car Insurance violations or Car insurance claims. Car insurance rates increase when you do, and it will take years before the rate goes back down.
  7. Always ask about discounts available to you and share with your agent your occupation, grades, and driving habits.
  8. You can also change your coverage limits by increasing your deductibles on comprehensive and collision.

What insurance discounts are available for Car Insurance?

Car insurance is unique in that there are discounts based on your driving behavior, what type of car you drive, and where you live. Auto insurance companies want to reward good drivers with lower rates because they are less likely to get into accidents or file claims. Car insurance companies also offer discounts based on where you live because they know that certain parts of town are safer than others. See below for a list of discounts that sometimes are offered by insurance carriers.

  1. Good/Safe Driver Discount
  2. Good Student Discount
  3. Multi-Vehicle Discount
  4. Paid in Full Discounts
  5. Homeowners Discount
  6. Multi-Policy Discount
  7. Occupation Discount (Teacher, Military, Service, Etc.)
  8. Vehicle Alarm Discounts
  9. Defensive Driver Discounts (Classes you take for safe driving)
  10. Senior Driver Discounts
  11. Early Quote Discounts
  12. Loyalty Discounts (If you stay with the company for a long period)
  13. New Car Discounts

How to Cancel Car Insurance?

  1. Cancel with your insurance agent. Having an agent makes it very easy to cancel your insurance policies. They usually have a streamlined process for this and make it extremely simple. By having that direct contact info for the person that handles your policy gives you less chance of mistakes being made.
  2. Cancel Online. You sometimes can cancel through an online account of your insurance company but most likely if you do not have an agent to contact, you will need to call a 1-800 number which may make you jump thru some hoops to get it canceled.
  3. Cancel by calling your insurance company. Usually by a 1-800 #.

How to Switch Car Insurance?

Below are the steps to switching your car insurance from one insurance company to another.

  1. Pull out your current insurance coverage and vehicle information to compare car insurance.
  2. Get A Car Insurance Quote – *Click Here*
  3. Compare car insurance, your current coverages, current premium with the quotes you received.
  4. Choose the quote that fits you best.
  5. Pay the premium to start the new policy.
  6. Cancel your current insurance policy

How long does it take to get Car Insurance?

This will mostly depend on you. If you wanted to time it out to see how fast you can get insurance, you could probably get a policy in around 20 minutes. But, we recommend taking your time with this decision to compare car insurance. We recommend getting multiple quotes then taking the time to compare car insurance companies as this could save you money on your auto insurance. I would also make sure to review your concerns with your agent to discuss all of the coverages and discounts available to you.

What Happens if you drive without car insurance?

Most states require that you carry the minimum state liability limits to drive on the roads. Failing to acquire car insurance and driving anyway, can lead to violations including fines. Eventually, you can also lose your driver’s license as well. Another consequence of driving without car insurance is that if you are in an accident and don’t have insurance, the other driver can sue you for damages. This could leave you on the hook for a lot of money. It is always best to look for other forms of transportation before driving uninsured.

Why is car insurance mandatory?

Car insurance is mandatory because of the risks of driving on the road. Car accidents happen often and most states have adopted a minimum liability limit that must be carried to protect everyone on the road. Without insurance, your finances could be at risk if you were deemed at fault.

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