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How do you lower your car insurance deductible?Post

How do you lower your car insurance deductible?

Your car insurance deductible is an important component of your coverage. It determines how much you’ll pay out of pocket each time you file a claim, and it significantly impacts your rates. You can find your car insurance deductible on your proof of insurance card, declarations page, and policy documents. Lowering it will reduce what...

Your car insurance deductible is an important component of y...

Can I pay for repairs without going through my car insurance?Post

Can I pay for repairs without going through my car insurance?

There are advantages and disadvantages to paying out of pocket for car accident repair without insurance. In some cases, it could be the right option, but it has some unknown side effects in others. Before you decide on getting your car fixed without insurance, you will need to know the extent of the damages and...

There are advantages and disadvantages to paying out of pock...

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Can I add a college student in another state to my car insurance policy?

You may add a college student in another state to your insurance policy. However, this will likely cause a rate increase. It also adds an additional layer of complexity as you’ll need to make sure that you’re meeting a second state’s minimum insurance requirements. Let’s look at some important factors you’ll need to be aware...

You may add a college student in another state to your insur...

Should I buy car insurance through a broker or direct from the company?Post

Should I buy car insurance through a broker or direct from the company?

Whether you buy car insurance from an auto insurance broker or directly from the company is a personal choice that depends on more than just price. No matter which method of obtaining insurance coverage you prefer, it’s always a smart thing to shop around and compare cheap car insurance rates from as many companies as possible. You can’t buy from a broker online...

Whether you buy car insurance from an auto insurance broker...

How do I terminate my car insurance policy?Post

How do I terminate my car insurance policy?

There are many reasons why you might choose to terminate your current car insurance policy. It could be because: You no longer own the vehicle. You’ve had an accident and it has been totaled. You are simply fed up with your insurance company and you want a change. Regardless, you need to understand exactly how...

There are many reasons why you might choose to terminate you...

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How do you use a policy number to identify a car insurance company?

Do you know how to use a policy number to identify a car insurance company? The ability to identify a car insurance company via policy number search may become important when you are involved in an accident. People forget to exchange proper information, most commonly insurance information, or else they don’t get the complete information...

Do you know how to use a policy number to identify a car ins...

Car Insurance Piggybacking: Explained SimplyPost

Car Insurance Piggybacking: Explained Simply

In the car insurance industry, piggybacking is a situation in which a person avoids paying higher costs by carrying several policies all from the same company. Also referred to as multi-line policies, this is a method to reduce the cost of your premiums. This article discusses the three main types of insurance that you can...

In the car insurance industry, piggybacking is a situation i...

How do I find out if GAP insurance is included in my car lease?Post

How do I find out if GAP insurance is included in my car lease?

GAP insurance is oftentimes required when financing or leasing a car. However, just because GAP insurance is required does not mean it is automatically included in your lease. To find out if GAP insurance is included in your car lease, you need to read the lease carefully and ask the lessor if GAP insurance for...

GAP insurance is oftentimes required when financing or leasi...

Compare Commercial vs. Personal Car Insurance: Rates, Discounts, & Requirements [2024]Post

Compare Commercial vs. Personal Car Insurance: Rates, Discounts, & Requirements [2024]

Since personal car insurance and commercial car insurance have different risks, the policies are written differently. Car insurance is important for both individuals and for businesses. Since the insurance company is taking on the liability and risk when you purchase a policy from them, the amount of that risk and liability is dependent upon many...

Since personal car insurance and commercial car insurance ha...

What is included in a standard car insurance policy?Post

What is included in a standard car insurance policy?

If you are new to car insurance and signing up for your first policy, you may come across a term stating standard car insurance. Standard auto insurance is not always what the majority of the population purchases, but it does give a driver peace of mind and the legal right to drive. Standard insurance usually...

If you are new to car insurance and signing up for your firs...

How much car insurance am I required to have if I still have a car loan?Post

How much car insurance am I required to have if I still have a car loan?

Usually, you only need to have enough auto insurance to meet the state’s requirements. However, if you’re insuring a financed car, your lender may want additional coverage. Lenders want to protect their assets until you finish paying the loan. Your lender will write their minimum requirements into your contract, but usually, lenders just want a...

Usually, you only need to have enough auto insurance to meet...

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How do I change car insurance agents?

Insurance agents are much more than a connection between you and your policy. A good agent will shop rates around without being asked, check in with you regularly, and help you determine the right liability and deductible limits for your policy. When it comes to choosing a new insurance agent, you’re not bound to any...

Insurance agents are much more than a connection between you...

How do you contest the amount of a car insurance payout?Post

How do you contest the amount of a car insurance payout?

If you’re unsatisfied with a payout from your car insurance company for a damaged or totaled car, you may want to contest the amount. If you wish to contest the amount of your car insurance payout after your car insurance claim, you need to prepare beforehand. If you don’t take the proper steps, there is...

If you’re unsatisfied with a payout from your car insuranc...

How do you calculate total loss for car insurance?Post

How do you calculate total loss for car insurance?

How does your insurance company determine the value of a totaled car? Calculating total loss for car insurance mainly hinges on average car comparison, but there are other factors to the total loss formula that can impact the final result. It’s all about you. We want to help you make the right coverage choices. Shopping around...

How does your insurance company determine the value of a tot...

Do you have to buy car insurance if you only drive occasionally?Post

Do you have to buy car insurance if you only drive occasionally?

If you only drive occasionally, do you still have to buy car insurance? There are many reasons that a person may only drive from time to time.Read More: Minimum Car Insurance Requirements by State Age – One reason is that they are a new driver, such as a teen, whose parents won’t let them drive regularly...

If you only drive occasionally, do you still have to buy car...

Compare SR-22 Car Insurance: Rates, Discounts, & Requirements [2024]Post

Compare SR-22 Car Insurance: Rates, Discounts, & Requirements [2024]

States have an obligation to protect their citizens, especially from what they deem to be irresponsible drivers. One way of doing this is assigning a high-risk label to drivers with poor driving habits.  If you’ve been involved in a traffic accident without carrying insurance, you could be required to carry an SR-22 form. This is...

States have an obligation to protect their citizens, especia...

Compare Assigned Risk Car Insurance: Rates, Discounts, & Requirements [2024]Post

Compare Assigned Risk Car Insurance: Rates, Discounts, & Requirements [2024]

What exactly is an assigned risk car insurance policy? Well, an assigned risk auto insurance policy is one that covers high-risk drivers. Your state offices will insist that you have an auto insurance policy in effect before you get your license. However, if you are in a high-risk category, then landing such a policy is...

What exactly is an assigned risk car insurance policy? Well,...

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Does car insurance cover relatives with international driving permits?

When relatives visit you from another country, you may want to loan them your vehicle once in a while so they can get around on their own. At the same time, you might be wondering if your insurance will cover your relatives or if you need to purchase car insurance for an international license holder. ...

When relatives visit you from another country, you may want ...

Can car insurance companies require information about the people who live with you?Post

Can car insurance companies require information about the people who live with you?

Before insurance companies calculate your monthly rates, your risk profile will be assessed to determine what you should pay for specific coverage. Many factors affect your risk profile, including the people in your household. After all, those people are likely to drive your vehicle sometimes. So, insurers must find a way to extend some coverage...

Before insurance companies calculate your monthly rates, you...

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