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Auto Insurance FAQs

If I am buying a new car do I need insurance before I buy it.

  • If you are buying a car for the first time then you will have to purchase auto insurance. If the purchase of car is being financed the financer will required that you buy a policy with comprehensive and collision coverage.
  • If you have previously owned a car and already have an auto insurance policy, that will generally cover your new car for a period of up to 30 days after you buy it. Once that 30-day period is up, you'll have to talk with your agent or company representative to insure that new vehicle.
  • Not all states require the purchase of liability coverage, for more information please contact your insurance company or agent.

What should I consider about when buying car insurance?

  • Before purchasing a car insurance, first decide what optional coverage you want and need, check the reputation of the company and see if their price is competitive, purchase the amount of liability insurance that suits you.

How can I lower my car insurance premium?

  • To lower your car insurance, you can raise your deductible or drop your coverage. The deductible is what you pay from your own pocket before your insurance claim is processed. You can lower your premium by having your deductibles on the higher side. Hold multiple insurance policies with the same carrier; you can shop around asking for discounts on your current policy.
  • For older vehicles with high mileage, purchasing a collision coverage is generally not worth it. If you ever file a claim for significant damages, your insurance company will likely declare your vehicle a total loss rather than fix it. Reasons being that the cost of fixing your vehicle far exceeds its market value. The premium you will pay for collision coverage may not justify the value for older vehicles in a case for total loss.

Protection against Uninsured driver

  • You can protect yourself against uninsured drivers by purchasing uninsured/underinsured motorist coverage (UM/UIM). UM coverage is required by law in many states and it will pay for pain and sufferings and medical bills if you have met with an accident by an uninsured driver.
  • UM property-damage yourself against uninsured drivers in some states, if your car is damaged by an uninsured driver; UM property-damage coverage will get the car fixed. UM property-damage coverage carries a lower deductible than collision coverage.

What steps do I take if I have an auto accident?

  • When you are in an auto accident, take the following steps:
    1. Notify the Police immediately
    2. Contact your insurance company/agent as soon as possible
    3. Do all the required as instructed by your insurance company/agent
    4. Get information from the other driver(s) involved in the accident

If I get a speeding ticket, will it effect my auto insurance premium?

  • Some states have laws regarding when and why auto insurers can change policy holders' premiums. Often insurers are not allowed to raise insurance premiums after just one speeding ticket ot other citation. It all depends on different companies with different practices, regarding raising premiums, some raise rates a specific amount per voilation, others will consider the volume and severity of your voilations and raise the rates accordingly.
  • So if this is your first ticket, there might not be any changes in you premiums.

If I rent a car will my personal policy cover me?

  • Many states mandate that your insurance company provide coverage when you are renting a vehicle. You will have to call your insurance company or agent to get further information.

Which coverage pays for damages to my vehicle?

  • It depends on what kind of damages your car suffers, if you car is stole, catches fire, vandalized or is hit by an animal; your comprehensive coverage will pay for the damages. If you crunch your car or crash it into something, your collision coverage will take care of the damages.
  • Both of these coverage are optional and adding them to your policy will raise your insurance premium.
   

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