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How can I add a car to my insurance policy?Post

How can I add a car to my insurance policy?

Before adding a car to your policy, you should shop around for new rates. Most car insurance companies offer discounts for multiple cars on the same policy so this could be a good opportunity to find car insurance at a lower premium. Each car needs its own insurance policy, even if multiple cars belong to...

Before adding a car to your policy, you should shop around f...

What are my rights when I am refused car insurance coverage?Post

What are my rights when I am refused car insurance coverage?

When you are denied car insurance from any insurers on the market, your rights include documentation, filing a complaint and knowing the reason you were denied. Car insurance is required by law in almost every state, so not having car insurance is very problematic. Depending on the reasons cited by the insurance company, you have...

When you are denied car insurance from any insurers on the m...

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Compare Stacked vs. Non-Stacked Car Insurance: Rates, Discounts, & Requirements [2024]Post

Compare Stacked vs. Non-Stacked Car Insurance: Rates, Discounts, & Requirements [2024]

When you have multiple vehicles with insurance coverage, your coverages may either be stacked or non-stacked. There are pros and cons to consider with each type of coverage. For example, your rate will typically be higher with stacked insurance, but your coverage limits are much better. So, what does stacked mean in the context of...

When you have multiple vehicles with insurance coverage, you...

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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 br...

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...

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...

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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...

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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How much car 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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Compare Joint Ownership Car Insurance: Rates, Discounts, & Requirements [2024]

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? Read More: How Much Car...

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

Does car insurance cover dealer damage?Post

Does car insurance cover dealer damage?

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...

When should I drop collision coverage?Post

When should I drop collision coverage?

As you probably already know, if you lease a vehicle or if you used a lender when you purchased your car or truck, you have to have more insurance on your vehicle than someone who owns his vehicle outright.Read More: How Much Car Insurance Coverage Do You Need Most lenders will require that you have...

As you probably already know, if you lease a vehicle or if y...

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