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Right now, we'll all be scrutinizing our expenditures.


Monthly bills, in times of economic uncertainty should be reviewed routinely.


Insurance is a large chunk of monthly expenses and car insurance can be a confusing ordeal.


Here, I'll simplify your options into a comprehensive guide.

What is Auto Insurance?

Car Insurance is a way to protect you, your passengers and others involved should you have an accident.


As with any insurance, with the right coverage purchased, theirs peace of mind. One mishap can change lives forever.  

As you’ll understand, car insurance isn’t a legal requirement in Virginia and New Hampshire


Only personal injury and liability is a requirement for some states.

What Does Car Insurance Cover

Here are are the basics of what is typically covered in a full coverage car insurance policy:

Coverage Type

what it does

Bodily injury liability

The part of your liability coverage that pays for medical bills if you've injured someone in an accident

Property damage liability

The other part of liability coverage, covers the cost of property damage you've caused in an accident

Personal injury protection

Covers medical expenses for you or your passengers after an accident

Uninsured/underinsured motorist

Covers the costs if you're in an accident caused by a driver with little or no car insurance

Comprehensive

Covers damage to your car that happens when you're not driving

Collision

Covers damage to your car after a car accident, no matter who was at fault

In the chart above, you’ll see the choices for the most important types of coverage. Each type offers a different coverage. They may be different, however, those differences mean a lot. Make sure you choose all that you need.


Decide how many other drivers they’ll be, what type of vehicle you’re driving, etc.   Also, know that the more insurance you choose, the higher the premium. We don’t want you to be underinsured, but have the correct amount. 

What Car Insurance Doesn't Cover?

Your Belongings


Most people think comprehensive insurance will cover anything and everything inside and outside the car.


The word ‘comprehensive’ is what’s tripping you up.


The word conveys a deep policy and it can be, but that doesn’t mean it will cover what you assume it will. 


If your car is broken into, it would repair the damages on the car body or interior.


Whatever damage the break in caused will be covered.


But, the contents that are stolen like your iPhone or shopping you did will not be. 


Keep in mind throughout this guide that any payout will be minus the deductible.


Getting Your Belongs Covered


Believe it or not, homeowner insurance may cover items stolen from the car unless the value of the items are less than your deductible. 


It’s also contingent on you filing a police report. They’ll ask you for the information.

Your Pimped Out Ride


So, you just decked out the rims, bought the best speakers for the stereo and it’s got more custom parts than a party bus—you're proud—you work hard—you deserve it.


You get comprehensive insurance because you went online and saw—not read—but skimmed the paragraphs of coverage and thought— ``This is enough for me!”  


Then it happens. You come out of the club, the mall, or even out of the house and discover your worst nightmare has come true.


They’ve broken into your car.


Most likely none of the custom additions you put in and on your car are covered.


If you had custom seats installed and they’re sliced open in the break in, they won’t cover these.


The lack of coverage isn’t just with cosmetic enhancements to the vehicle.


Comprehensive won’t cover wheelchair lifts either.


So if you have a special needs person in the home that you drive around, the comprehensive basic plan won’t cover it.

Other People Outside of the Household


If you’ve given others permission to use the car, then list them on the policy.


They have to be on the list with your insurance while driving your car.


How much they’re covered for depends on the amount and types of coverage you have.

Your Car Note - Oh No!


Yes, you may still pay the note on a car that no longer exists.


That’s not fun.


If you’ve paid less than 3 years on a car loan, you may have to accept a check for the market value less than depreciation.


It’s also less the deductible.


This could fall short of the amount of the car loan.


Gap insurance is how to receive the difference.


We’ll discuss Gap Insurance later on. If you lease a car, they may require you to have Gap coverage, typically, the leasing company provides the coverage.


Otherwise, ask your insurance agent for the best rates; It’s worth it.

Your Gig Economy Job


Today, more and more people are making some extra cash to pay off debt, blow, or just save.


Whatever the reason in the now lucrative gig economy your car can be a goldmine.


This is a very positive thing.


However, this is how your insurance company sees it.

Be forewarned: Your policy may be cancelled even if you work only part time in your car.

First, don’t give up your gig. Money is money and you can be smarter not poorer.


Ask your employer what they cover if anything.


If your gig is really important to you, you may want to just ask your insurance company to give you rates on commercial car insurance. 

The chart below will give you an idea of the cost of comprehensive car insurance by state.


Keep in mind that everyone’s insurance quote will be different and this is just a guide so you get an idea of what you can expect for budgeting purposes.

state

liability

COLLISION

COMP

COMBINED

Alabama

$394.21

$317.96

$156.31

$868.48

Alaska

$539.68

$350.81

$137.26

$1,027.75

Arizona

$508.76

$277.96

$186.12

$972.85

Arkansas

$394.13

$321.80

$190.41

$906.34

California

$489.66

$396.55

$100.54

$986.75

Colorado

$520.04

$287.00

$174.61

$981.64

Connecticut

$650.94

$368.51

$131.62

$1,151.07

Delaware

$799.30

$318.77

$122.49

$1,240.57

District of Columbia

$628.82

$468.67

$233.24

$1,330.73

Florida

$857.64

$282.96

$116.53

$1,257.13

Georgia

$557.38

$331.83

$159.18

$1,048.40

Hawaii

$458.54

$313.17

$101.56

$873.28

Idaho

$344.29

$219.05

$116.55

$679.89

Illinois

$446.72

$309.71

$128.13

$884.56

Indiana

$382.68

$250.29

$122.06

$755.03

Iowa

$299.18

$219.75

$183.53

$702.46

Kansas

$358.24

$263.33

$241.36

$862.93

Kentucky

$529.21

$267.91

$141.39

$938.51

Louisiana

$775.83

$414.36

$215.17

$1,405.36

Maine

$338.87

$259.98

$104.98

$703.82

Maryland

$609.74

$353.99

$152.72

$1,116.45

Massachusetts

$606.04

$388.28

$134.96

$1,129.29

Michigan

$795.32

$413.83

$154.85

$1,364.00

Minnesota

$456.82

$234.40

$184.27

$875.49

Mississippi

$460.50

$323.22

$210.33

$994.05

Missouri

$415.88

$275.28

$181.27

$872.43

Montana

$386.29

$265.32

$211.91

$863.52

Nebraska

$364.64

$237.13

$229.25

$831.02

Nevada

$681.56

$303.86

$117.63

$1,103.05

New Hampshire

$400.56

$307.42

$110.77

$818.75

New Jersey

$869.57

$381.86

$131.35

$1,382.79

New Mexico

$488.03

$276.98

$172.57

$937.59

New York

$804.51

$385.02

$171.12

$1,360.66

North Carolina

$359.42

$293.59

$136.08

$789.09

North Dakota

$298.18

$244.09

$231.04

$773.30

Ohio

$397.11

$269.84

$121.61

$788.56

Oklahoma

$461.01

$318.47

$225.84

$1,005.32

Oregon

$584.13

$226.83

$93.87

$904.83

Pennsylvania

$499.06

$327.24

$144.21

$970.51

Rhode Island

$759.80

$411.51

$132.19

$1,303.50

South Carolina

$527.09

$265.07

$180.94

$973.10

South Dakota

$300.22

$208.58

$258.11

$766.91

Tennessee

$413.91

$309.07

$148.45

$871.43

Texas

$528.75

$374.49

$206.42

$1,109.66

Utah

$497.53

$265.90

$109.50

$872.93

Vermont

$343.12

$295.42

$125.48

$764.02

Virginia

$425.61

$280.52

$136.54

$842.67

Washington

$596.67

$265.74

$106.38

$968.80

West Virginia

$491.83

$329.67

$204.28

$1,025.78

Wisconsin

$374.37

$226.00

$136.81

$737.18

Wyoming

$321.04

$278.83

$247.57

$847.44

**Countrywide

$538.73

$322.61

$148.04

$1,009.38**

Auto Insurance Quotes Made Simple

Get cheap car insurance quotes from the top auto insurance companies and get covered today.

Car Insurance Terms You Should Know

The most frustrating thing about buying insurance is struggling to understand the terms. 

Collision Insurance

This insurance is for new cars or a classic you’ve invested a lot of money in.


If it’s an old, used car that gets you from point A to B, then it’s not worth it.


Collision will cover you even if you’re at fault. 

Comprehensive Insurance

Like collision insurance, if you finance your ride it’s likely required.


It covers most things apart from an accident.


I’ve explained comprehensively in the first section. 

Deductible

This is the amount you pay before your insurance pays.


The secret is if your deductible is low then you pay a lot more per month. 


It depends on your monthly budget.

Declarations

This is just the page in your policy that summarizes the details for each car covered. 

Full Coverage

This is a deceptive term. Full coverage doesn’t exist.


It only means that anything covered beyond the liability coverage.  


For example, comprehensive and collision or uninsured driver, etc. 

Gap Insurance

I explained this earlier. This is a worthy insurance that takes care of your new car should an accident occur.  


No one wants to get stuck with the bill for a totaled car.


This insurance will pay the difference that you lose in depreciation and deductible cost.

Liability Insurance

This represents what the minimum amount of insurance to pay. 


The two liability insurance types are Bodily Injury, and the next is Property Damage.


Bodily Injury protects any victims of an accident with you.


This includes lost wages, hospital bills and any pain and suffering caused which can fall to interpretation.


The second type is property damage caused by you in the accident.


You’ll see this as $25,000 and $50,000.


One represents per person and the other per accident.

PIP Insurance

This covers the same as No Fault insurance, but this is the basic amount allowed in no fault states.

CFR or SR-22

CFT is Certificate of Financial Responsibility.


If they have suspended your license, or you’ve been involved in an accident that caused injury or convicted of driving under the influence; this is proof of insurance.


It may be because the DMV ordered you to do so.


This means they’ve reclassified as a high-risk driver.


You may have to carry this for up to 3 years.


It only means that anything covered beyond the liability coverage.  

No-Fault Insurance States

This insurance pays out for bodily injury but not property damage. 


It doesn’t place blame on either party, regardless of the legal judgement.


There are specified no fault insurance limits with the option to increase the limits.


No Fault Insurance will cover:

  • Funeral Expenses
  • Anything your health insurance doesn’t cover
  • Health Insurance Deductible
  • Lost income but not in every state

Things to Know When Shopping for Auto Insurance

Now that you know the basics of purchasing insurance like what coverage you need and how much, here are a few less obvious tips. 

Don’t buy from an insurance carrier that’s gone un-researched.

It takes very little time to research an insurance carrier when you know the parameters.


Look at how stable they are and what their track-record is and the reviews on their service and customer care.


Why be so judgy?


Because insurance affects your life and you don’t want just any insurer. 


I say this because there’s many people with insurance licenses, but they’re not created equal.

Ask about discounts.

Don’t fear asking about discounts. You may keep your insurance rates as low as possible.


Insurance agents may not tell you if you don’t ask. Bundling is one way to get a discount.


Your age and your occupation may make certain discounts available.

Bundling.

Consider bundling your homeowners insurance along with your car insurance to create a discount.

Get multiple quotes.

Getting quotes from several carriers is a prudent move.


However, allow me to suggest that you speak to a person. 


Applying for quotes online and communicating on chat is ok, but I suggest a real qualified person. 

Extra Coverages to Consider

These coverages don't come with a typical insurance plan, but you might want to consider adding them to your policy.

Rental Reimbursement

Why not have the extra coverage while your car is being repaired?


If an accident totaled your car, you’ll need transportation for a period.

Uninsured and Underinsured Driver

This is an extra convenience that isn’t that expensive.


This insurance protects you in case you have an accident with a driver without insurance or one who has the minimum when you need the maximum coverage. 

Ready to start?


Get cheap car insurance quotes from the top auto insurance companies and get covered today.

Key Factors That Affect Car Insurance Rates

There are certain issues that will affect your insurance negatively.


Below, are the most important and common factors that do this.

  • Age: Younger drivers without a lot of experience often pay higher rates. Buying a sports car or convertible, whatever is chic at the time in addition, won’t help much. However the color you choose doesn’t raise the premium. This is a myth. I stated this again in the FAQS. Why deprive yourself of the red car you’ve always dreamed of?

  • Driving Record: If you’ve had tickets, suspension, or assessed points, this is also a premium raiser.

  • Residence: Do you live in a city with a high crime rate or have to parallel park? Dings, dents and theft rates will affect premiums.

  • The Car Itself: The car you choose has an effect. This is in terms of make and model and any safety features you add. Alarms and anti-theft devices are a plus when buying insurance.

  • Credit Score: A good credit score shows your responsibility risk. I know you can’t do anything without that score, so keep it up.

According to statistics from the Federal Trade Commission, a correlation between credit score value and premium rates is confirmed. 


You should also know there are states that don’t allow an insurance company to use your credit score against you: Hawaii, California, and Massachusetts. 

  • How much you drive: If you are a joy rider, you may have higher rates than an older person who’s interested only in driving short distances from the house.

  • The coverages/deductible you choose: Choosing a lower deductible, which is the amount you pay out-of-pocket prior to the insurance kicking in, will create a higher monthly payment.

  • If you’re married: This is a weird instance. There’s some argument whether this statistic  is necessary. But, as it stands, if you’re married and the driving records are good, you could get a discount. 

FAQs

Can you get Car Insurance without a License?

How long does it take to get a quote?

What happens if I lie about my driving history?

Can you pay for auto insurance once a month or annually?

Can I deduct my auto insurance from my taxes?

Can an auto insurance company deny you service?

Will my red car make my insurance bills more expensive?

Will a parking ticket in my driving history raise my premium?

Does my auto policy cover a rental vehicle?

When can an auto insurance company deny your accident claims?

Will auto insurance companies share my information with each other?

What’s covered?

What is the most inexpensive policy?

Can I put anyone on my policy?

What happens if I don’t pay my premium?

Can I change my coverage whenever I want?

Will my gender affect my premium rates?

If I’m driving someone else’s car and get in an accident, whose insurance do I use?

My car is 20 years old. Will insurance still cover it?

How long does it take to file a claim?

Will my auto insurance pay to have my stolen car replaced?

What happens if I cancel my policy before the contract expires?

What Info Do You Need When Getting a Quote?

  • Personal Statistics: Name, address birth date.
  • Current Insurance Company: Unless you’re a new driver, don’t cancel your current policy until you get a new one. This way, they won’t peg you as high-risk, It’s just one of those things.
  • Vehicle Statistics: Make, Model, VIN (Vehicle Identification Model) typically found on the bottom inside between the windscreen and hood. Can be in other places nearby. If you bought or lease your car, have payments on it, current coverage and safety features such as alarms and antitheft.
  • Annual Mileage: They’ll want to know if you use this vehicle for work as in Rideshare like Uber or a delivery service. In this case a Rideshare coverage is needed.  Do you use the car for work or school or just errands. Is it the second car, collector car or primary vehicle.
  • Driving Record: This is not the time to hide information. If they find out you have things on your record, and of course, they will from the DMV public record you’ll be cancelled, denied and blacklisted. It may take a little time but rest assured i’m telling you the truth--it will happen.
  • All Driver’s Information: They want to make sure that they are apprised of all drivers in your home in case they decide to take the keys. It doesn’t matter if they’ll be on the policy or not for obvious reasons.
  • Choosing your Coverage: In the terms to know section of this article you’ll find what the declaration page is for your current policy. This is the page you look on to determine what coverage you need. And yes, you may add or omit if your dynamic has changed.
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