How much Auto Insurance coverage do I require?
Most states require drivers to carry a minimum amount of liability insurance. Liability insurance provides coverage for other drivers in the event you’re at fault in an accident that causes injury or property damage to others. The amount of coverage you carry beyond liability is contingent on a number of factors:
- The value of your car and other assets
- How often you drive
- How you use your vehicle (e.g., mostly driving to work, etc.)
- Do you regularly transport passengers? How many?
What happens if my liability coverage isn’t enough to cover a claim against me?
This is when a Personal Umbrella Insurance Policy would be extremely useful. Personal Umbrella Insurance supplements your existing auto insurance policy and begins paying when you reach the payout limits on the standard policy.
I want to compare Auto insurance quotes from several companies. Can you help me?
What is a deductible?
Deductible payments do not accumulate across multiple claims. For example, if you file a claim in January, you would owe the $500 deductible. If you filed another claim in March, you would again be responsible for $500. In the $475 example above, your payment of the full claim has no impact on the deductible you’ll owe on your next claim: $500.
How does the deductible amount I choose affect my rates?
What steps can I take to decrease my Auto Insurance rates?
Drivers can also lower their rates by purchasing multi-coverages with the same insurance provider. For example, a driver who buys both his car and home owner’s insurance from the same provider will typically pay less on both policies than if he purchased auto insurance alone. Most providers will also lower premium rates if multiple drivers and/or cars are covered in the same household.
Maintaining a safe driving record is another effective way to lower premiums. Most providers will reward drivers with lower premiums for going a certain number of years without having an accident.
You can also slightly lower your premium by paying an entire six-month coverage period at once, as opposed to paying it monthly.
You can also raise your deductible amount. The more you choose to pay out of pocket for a future claim, the less you will pay in premium.
Getting older—especially in the absence of serious accident or citation—will also automatically reduce your rates over time.
Beyond these most common ways to lower car insurance rates, a number of providers also offer various company-specific discounts. To find out what unique discounts your provider might offer, give them a call.
How do I find the best Auto insurance and lowest possible rates for me?
We can help you with that. We shop our various partner providers to help find you the most-comprehensive coverage possible at the lowest possible rates. What are your insurance needs? Talk to us about it and we’ll help you find maximum coverages at minimum prices.
How do insurance providers use my previous record to determine my current rates?
Auto insurance companies use such information to establish your driving and claims patterns over time. From those patterns, providers make statistical predictions on how likely you are to be involved in an accident, to get a citation, to make a comprehensive claim, etc. Companies are legally permitted to base auto insurance rates on these predictions.
Please note, however, that providers are also limited regarding how long they can cite any single accident, traffic violation, etc., as reason to increase your rates or keep them high.
Do I have to buy auto insurance from you if I get a quote online?
What payment options do you offer?
If you pay via check or money order, these can be mailed to us.
If you pay with credit or debit card, you can opt for an automatic draft to be charged to your card every month. As us about this option, and we’ll be glad to get you set up.
When does my policy begin covering me and my vehicle?
Is a payment receipt for a policy a valid substitute for a proof of insurance card?
No. Your proof of insurance card contains all the details of your policy not provided by a receipt. These include your confirmation number, policy number, your vehicle’s VIN, and other information. Most providers allow you to access this information online, too.
How secure is my private information with your company and on your website?
What kinds of discounts are available for Auto Insurance?
4) Safe driver
Please note that some discounts are provider specific. Ask your provider what discounts might be available to you.
Why did my Car Insurance rates change?
Many factors can cause you Auto Insurance rates to change:
1) Normal market fluctuations, influences, and variances
2) You had an accident that was your fault
3) You’ve been involved in several accidents within the last few years—even if some weren’t your fault
4) You’ve had a recent traffic citation
5) You recently added a driver to your policy
6) You’ve gone several years without an accident or traffic citation
How much should I choose for my deductible?
This largely depends on your personal finances. How much can you afford to pay out of pocket on any given insurance claim? Is the amount $250, $500, $1000 or more? How much monthly premium can you afford? To answer these questions, you must closely review your income against your outgoing bills.
The higher your deductible, the less in premium you will pay. It’s critical to choose a deductible amount that balances your coverage needs with the amounts you can pay out of pocket and in premium.
Does the kind of car I drive influence my Auto insurance rates?
Yes. A vehicle’s make, model, and age all have a significant impact on insurance premiums. An individual insuring a Dodge Viper will pay far less than a person who drives a Honda Civic. Likewise, in individual driving a 2002 Civic will pay lower premiums than one who drives a comparable 2017 Civic. Generally, the more a car is worth, the costlier it is to insure. Other factors can also impact insurance costs, however, including engine power, overall size, number of seats, and other factors.