At 4AutoInsuranceQuote.com, we get asked a lot of questions about car insurance. Here are some of the commonly asked questions (and the answers we provide). Click on one of the links below to be brought directly to your question, or start reading from the top.
- Is auto insurance required by law? Do I need it?
- What is the difference between the different insurance types – specifically collision and comprehensive?
- How does my driving record play a role in determining how much I will pay for car insurance?
- Do you need to be insured if you are driving with a learning permit?
- How often do you need to pay your auto insurance bill?
- If I have an awful driving record, can I still get insurance?
- Is it free to get an auto insurance quote? How do I do it?
- Can you have multiple people signed up under the same insurance policy?
- Will your car insurance company pay for a rental car?
- Who is covered by your auto insurance policy?
- Does your car insurance change when you move to another state?
- If you drive outside of the USA, will your auto insurance policy still cover you?
- How often should you shop around and compare auto insurance quotes?
- What happens if you get caught driving without car insurance?
- Can you deduct your car insurance premiums from your taxes?
- Does your gender affect your car insurance rates?
Is it required that I have auto insurance?
In most cases yes. Laws surrounding auto insurance are dictated by state law, and most states do require that you have some form of auto insurance. The amount of coverage varies from state to state so be sure to check for your particular situation.
What is the difference between collision and comprehensive coverage?
Collision coverage only covers you in situation involving a collision. Comprehensive coverage, on the other hand, protects you against theft, vandalism, water damage, and other non-collision incidents. Comprehensive coverage does NOT include collision coverage, the name deceives many people.
Does my driving record affect my auto premiums?
Your driving record is arguably the most important thing auto insurance companies use when determining your premium costs. Your driving record isn’t the only thing they take into consideration though. Your age, credit score and history, time on the road, and many other statistics play a major role. Read more about how your driving record affects your rates here.
My son/daughter just got their learning permit, do they need to be insured?
Those with learning permits are not required by law to have auto insurance. For extra protection, however, it may be a good idea. Some auto insurance companies will cover permit drivers under your current plan. However, the day they get their license, you should sign them up for car insurance coverage immediately.
How often do I have to pay my premium?
The amount of money you pay upfront must be at least enough coverage for a month, but many insurance companies offer discounts for 6 month down payments, and even better discounts for 1 year agreements.
My driving record is really bad, can I still get insurance?
No matter how bad your driving record, there is always an auto insurance company there to provide you with coverage. Of course, you’ll have to pay more than someone with a clean driving record, but it still is not hard to find coverage. Check out our auto insurance quote tool, and we’ll find a insurer for you in no time. Alternatively, you can read about high risk auto insurance here.
Can I get auto insurance quotes for free?
Absolutely! If you are advised to pay for a credit report, turn around, and don’t look back. Auto insurance quotes are a service to you, not the insurance companies. Our tool is 100% free, and we provide you with multiple options. You will also find that getting quotes online will get you much better premiums.
Can I sign up multiple people under the same policy?
This is actually fairly common practice. Not only is is doable, but you will also get a better rate than if you were to insure each person individually. Read more about the advantages of having all of your family members on the same policy here.
Will My Car Insurance Company Pay for My Rental Car?
If you need to rent a car because your vehicle is in the shop, then your car insurance company may cover the costs of a rental car. However, this is typically only covered under collision or comprehensive insurance plans. You’ll also only receive a certain amount of coverage – say, $20 to $35 per day. So don’t expect to go rent a Porsche.
Who is Covered By My Car Insurance Policy?
Generally speaking, any licensed drivers in your household are covered while driving your vehicle. Your car insurance also covers anyone else who has permission to use your vehicle. In certain situations, you may wish to exclude someone from your policy – say, if someone in your house has a DUI. In this situation, this person will not be covered by insurance while driving your vehicle. By excluding this person, you can save a significant amount on car insurance.
Does My Car Insurance Change When I Move States?
Coverage limits vary widely between states. Some states require only a bare minimum of coverage, while other states have stricter coverage limits. Some states are no-fault states while others are tort states. If you just moved to a new state, then you need to talk to your insurance company to ensure you’re meeting the minimum coverage limits in your new state.
Does My Car Insurance Cover Me While Driving Outside of the United States?
Typically, American car insurance policies will cover you in the two countries we border: Canada and Mexico. Virtually all plans cover driving in Canada and most cover driving in Mexico. Beyond these two countries, coverage varies widely. You may need to buy international auto insurance. Or, you might be adequately covered. Talk to your insurance company or check your policy.
How Often Should I Compare Insurance Quotes?
It’s never a bad idea to compare insurance quotes. It doesn’t cost you anything to compare quotes. You can check quotes in 5 minutes or less online. Generally speaking, you should compare quotes every 6 to 12 months (like whenever your policy is scheduled for renewal). You should also compare quotes after a major incident – like an at-fault accident or DUI.
What Happens If I Drive Without Auto Insurance?
Drivers who get caught driving without insurance could face enormous penalties. If a police officer pulls you over, then you might be forced to pay a fine. Your car might also be towed. If you get into an accident without insurance, then you may be required to pay all costs associated with the accident – from medical expenses to vehicle repair and replacement costs. You could be sued and forced to declare bankruptcy.
Can I Deduct Car Insurance Premiums from My Taxes?
Unlike mortgage payment interest and similar monthly expenses, car insurance premiums are not tax-deductible.
Will Gender Affect My Car Insurance Premiums?
Insurance companies use millions of driving records and decades of driving statistics to calculate rates. All of that data shows that young men are more likely to get involved in accidents than young women, which is why young men pay higher insurance rates than young women. The opposite occurs with age: men in their 40s and 50s tend to pay less for car insurance than their female counterparts.
Any additional questions?
Please look at our additional FAQ to get answers for any site-related questions you may have. Otherwise, take a look at some of the FAQs from other sites: