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What is GAP insurance on a leased car?Post

What is GAP insurance on a leased car?

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...

What is the difference between commercial and personal car coverage?Post

What is the difference between commercial and personal car coverage?

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...

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What is included in standard car insurance policy?Post

What is included in 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 I contest the amount of a car insurance payout?Post

How do I 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 auto insurance if you only drive occasionally?Post

Do you have to buy auto 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. Age – One reason is that they are a new driver, such as a teen, whose parents won’t let them drive regularly until they get some experience (and age)...

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

What is SR-22 car insurance?Post

What is SR-22 car insurance?

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...

About PLPD Car InsurancePost

About PLPD Car Insurance

PLPD auto insurance is simply an acronym for public liability and property damage and is the most common type of basic car insurance out there. The term PLPD car insurance is typically used in northern states in the U.S. Don’t let the acronyms confuse you. Continue reading below for the detailed definition of PLPD auto...

PLPD auto insurance is simply an acronym for public liabilit...

Assigned Risk Auto PolicyPost

Assigned Risk Auto Policy

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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Will auto 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 ...

Auto Insurance and People in Your HouseholdPost

Auto Insurance and People in Your Household

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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How much insurance should I carry on an antique car?

If you have an antique car or a classic car, how much car insurance coverage should you carry? No matter what type of car you drive, you need to have the proper insurance coverage. If you have an antique car as a hobby or as a dream come true, you still need to cover it...

If you have an antique car or a classic car, how much car in...

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Do you need car insurance with a learner’s permit?

Learning to drive is exciting. Getting a learner’s permit is the first step toward being a licensed driver and is a significant milestone in most people’s lives. However, with the privilege of driving also comes additional responsibilities, such as making sure you have insurance coverage. Getting cheap car insurance for first-time drivers can be tricky,...

Learning to drive is exciting. Getting a learner’s per...

What happens if I forget to get insurance for my car?Post

What happens if I forget to get insurance for my car?

Do you think that it’s not really a big deal if you forget to notify your auto insurance company when you decide to put your vehicle back onto the road and start driving it again without any current auto insurance coverage? Well, imagine this scenario: A friend came to me for insurance advice the other...

Do you think that it’s not really a big deal if you fo...

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Compare Joint Ownership Car Insurance: Rates, Discounts, & Requirements [2023]

Does joint ownership of a car require joint-ownership car insurance? Can you get a joint car insurance policy if you don’t live together? Yes and no! Understanding your car insurance policy is important to make sure you don’t accrue any penalties. YES! — If both registered owners of a car are also drivers of the car,...

Does joint ownership of a car require joint-ownership car in...

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What if an uninsured friend wrecks my car? (Three Types of Borrowers)

When a friend drives your car and gets into an accident, what about the repair costs? You might know that they don’t have a vehicle of their own and do not have insurance in their name. Will that affect your insurance, and can you still file a claim for the damage?  Does insurance cover it...

When a friend drives your car and gets into an accident, wha...

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How to Get Car Insurance for A Car You Don’t Own (3 Ways)

How do you get insurance on a car not registered to you? Figuring out how to get car insurance on a car not in your name is often a tricky situation. While everyone who owns a vehicle cannot drive legally without car insurance, some people question whether you can get insurance on a car not...

How do you get insurance on a car not registered to you? Fig...

Will my auto insurance cover my car if it is damaged at a dealership?Post

Will my auto insurance cover my car if it is damaged at a dealership?

If your car was damaged at a dealership, you’re probably wondering if your auto insurance will cover it. This all depends on the coverage you have through your insurance company and if it applies to the situation. Generally, collision coverage will cover an accident at an auto dealership if it was your fault. If you...

If your car was damaged at a dealership, you’re probably w...

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