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Auto Insurance FAQs
Why do I need auto insurance?
You need auto insurance because it protects you against the huge costs involved if you have an accident. And you need it because it’s the law. All states in the U.S. require you to have some type of insurance. To find the minimum insurance requirements for your state, visit your state’s department of insurance website. To go to your state’s site, click on this link: http://www.naic.org/state_web_map.htm, then click on your particular state.
What is auto insurance and what does it cover?
An auto insurance policy is a contract between you and an auto insurance company that protects you from financial loss. The policy states that the auto insurance company will pay for all losses caused by an accident that is listed in the policy. A standard auto insurance policy provides you with a variety of coverages …
•It will repair or replace your car if you have an accident
•It will pay for your medical bills if you have an accident
•It will pay for damages and legal fees in an accident-related lawsuit
•It will pay for damages due to vandalism, theft, or natural disasters
How can I get cheap auto insurance?
Compare insurance quotes – Click on the “Get Quotes Now” button near the top of this page to get quotes from top-rated auto insurance companies. Then compare those quotes to find a policy with the best rate that fits your needs. Raise your deductible – When you fill in the online form to get your quotes to make sure you enter the highest deductible you can afford. Increasing your deductible from $250 to $500 can save you up to 30% on your monthly premium. Raising it to $1,000 could cut your premium in half. Get discounts – To get the cheapest car insurance rate to be sure to include all the discounts you’re eligible to receive when you buy your insurance. Standard discounts include:
•A safety discount if you have safety features like seat belts, airbags, and anti-lock brakes in your car
•A security discount if you have an anti-theft device in your car
•A low-mileage discount if you drive less than a predetermined number of miles a year
•A safe driver discount if you haven’t had an accident in the last 3 to 5 years
•A senior discount if you’re 55 years old or older
•A multi-policy discount if you insure your home and auto with the same company
•A multi-car discount if you insure 2 or more cars with the same company
•A good student discount if you’re a student with a grade average of 3.0 or higher
•A good credit discount if you have a good credit score
•A driver’s ed discount if you’ve taken a driver’s education course Eliminate unnecessary coverage – Drop collision coverage, comprehensive coverage, or both if you own an older model car and the cost of your annual premium is the same or more than the value of your car.
How do I know if an auto insurance company is reputable?
Visit your state’s department of insurance website to see if they are licensed in your state, and to see if there are any complaints against them. To find your state’s site click on this link: http://www.naic.org/state_web_map.htm, then click on your particular state. To check the financial rating of an insurance company and their ability to pay claims, visit Standard & Poor’s website at http://www.standardandpoors.com.
What are the various types of auto insurance coverages?
Liability coverage – This coverage is required in most states. It pays for damages and legal fees if you have an accident and injure someone or damage their property. Collision coverage – This pays for damages to your car if you hit another car, if you’re hit by another car, or if your car rolls over. Comprehensive coverage – This pays for damages to your car caused by vandalism, theft, hitting an animal, or acts of nature. Medical coverage – This pays the medical expenses of anyone who is injured in your car during an accident, regardless of who is at fault.Uninsured/underinsured motorist coverage – This pays for your damages and medical expenses caused by an uninsured or underinsured motorist.
How do I compare auto insurance quotes?
Simple. When the quotes come in to make sure you check to see that they all include the coverage you want. Check the amount of collision coverage, property damage coverage, uninsured/underinsured motorist coverage, and bodily injury coverage each quote provides. Then choose the company whose quote has the best coverage at the best price. Lastly, check the company’s financial rating at http://ambest.com or http://standardandpoors.com, to make sure they have the financial backing to pay your claims.
Can I get affordable high-risk auto insurance?
High-risk auto insurance is an auto insurance policy that is issued to a high-risk driver. You may be considered a high risk if you had your license suspended or revoked, if you are 70 or older, if you are 20 or younger, or if you have a past history of auto accidents and traffic violations. In the past, high-risk auto insurance was so costly many drivers could not afford it. But now there are companies who specialize in providing affordable high-risk insurance. To find out if you qualify, click the “Get Quotes Now” button at the top of this page.
Who has the cheapest auto insurance?
Most people have discovered that the smaller, lesser-known companies have the cheapest rates because they don’t spend the millions on advertising that the big companies do, and can pass on the savings to you. Many of these smaller companies are rated as high, and in some cases higher than the big companies. Because there are so many variables when it comes to insurance rates, such as the make and year of your car, your driving record, where you live, and even your credit rating, it’s impossible to say who has the cheapest auto insurance. What you want to know is who has the cheapest insurance for you, and the only way to find that out is to compare quotes from a number of different insurers.
What are the best auto insurance companies?
The best auto insurance companies are the ones they have the highest financial rating with ambest.com and standardandpoors.com, the best consumer rating with jdpower.com and consumerreports.org, plus the least amount of consumer complaints registered at your state’s insurance commission website.really cheap auto insurance
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