Frequently Asked Questions
Why do I need car insurance?
To meet state requirements. In most states, car insurance is required by law. The specific requirements vary from state to state, but they typically include liability coverage, which pays for damage you cause to others in an accident.
To protect yourself financially. Even if you're not at fault in an accident, you could still be responsible for paying for the other driver's medical bills, property damage, and other expenses. Car insurance can help you cover these costs, so you don't have to pay them out of your own pocket.
To protect your assets. If you're sued after an accident, your car insurance can help pay for your legal fees and any damages you're ordered to pay. This can help protect your home, savings, and other assets.
To get you back on the road quickly. If your car is damaged in an accident, car insurance can help pay for the repairs or replacement. This can help you get back on the road quickly and avoid the inconvenience of being without a car.
To give you peace of mind. Knowing that you have car insurance can give you peace of mind knowing that you're financially protected in the event of an accident.
What type of car insurance do I need?
Liability coverage: This is the most basic type of car insurance and it pays for damage you cause to others in an accident. It's usually required by law.
Collision coverage: This coverage pays for the damage to your own car if you're in an accident, regardless of who is at fault.
Comprehensive coverage: This coverage pays for damage to your car from things like theft, vandalism, and weather damage.
Personal injury protection (PIP): This coverage pays for your medical expenses and lost wages if you're injured in an accident, regardless of who is at fault.
Uninsured/underinsured motorist coverage: This coverage pays for your medical expenses and lost wages if you're injured in an accident by an uninsured or underinsured driver.
How do I get the cheapest car insurance?
Our agents have access to dozens of insurance policies that are not available online. We will find the best price and the best coverage for your needs.
How will insurance companies calculate risk for my car insurance?
A risk assessment indicator for car insurance is a factor that insurance companies use to assess how likely you are to file a claim. Some of the most common risk assessment indicators include:
Driving record: This includes things like accidents, tickets, and DUIs. A clean driving record will typically result in lower premiums.
Credit score: Insurance companies use your credit score to assess your financial responsibility. A higher credit score will typically result in lower premiums.
Age: Younger drivers are generally considered to be at higher risk than older drivers. This is because they have less driving experience and are more likely to be involved in accidents.
Gender: Male drivers are generally considered to be at higher risk than female drivers. This is because they are more likely to be involved in accidents and are more likely to speed.
Type of car: Some types of cars are considered to be higher risk than others. For example, sports cars and luxury cars are typically more expensive to insure than minivans and SUVs.
Location: Insurance companies also consider your location when setting your premiums. Drivers who live in areas with high crime rates or high traffic congestion are typically charged higher premiums.
Insurance companies use a variety of risk assessment indicators to set your premiums. The specific indicators that they use and the weight that they give to each indicator will vary from company to company.