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**This page consists of general information on an auto insurance coverage that you can fill out a quote form for on AutoInsuranceQuoter.com.
It is meant only to be a brief overview of what a coverage represents. You should always consult a licensed auto insurance agent for complete details regarding any auto insurance coverage you're interested in purchasing. |
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Auto Insurance Coverage Information
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Insurance Terms
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Auto Insurance
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Your one stop source for affordable Auto Insurance.
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Auto Insurance Quotes
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Auto Insurance
Coverage Information
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Receive auto insurance quotes if you reside in any of the states
listed below: |
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Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
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Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
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North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
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The value of good auto insurance often doesn't become apparent
until you really need it. Whether it's a minor fender bender or a more substantial accident, it pays to have auto insurance coverage you can count on. |
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Let an experienced auto insurance policy specialist explain the
different Liability limits, Comprehensive, Collision, Personal Injury Protection, Uninsured Motorist, Medical coverages, and deductibles that are available for you to choose from. |
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Having a teenager included on your auto insurance policy will always cost substantially
more, but there are ways to reduce the premium increase. |
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The best cars for teen drivers are slower, bigger cars with a lot of safety features. Teenager's
are more prone to accidents, especially ones caused by speeding. A disproportionate number of teenage car accidents involve only one vehicle. |
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Make sure your teen drives safely. One speeding ticket or fender-bender can send your
teenager's auto insurance rates sky high. Require that they take a drivers education class at their high school or local DMV. |
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Good student teen driver insurance rates can save up to 25% on your teenager's auto
insurance if a "B" average is maintained. |
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Assuming your teen keeps a good driving record, the cost of insuring them will decrease
as they get older. |
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Auto Insurance endorsements are policy extras for services such as towing insurance, auto
glass insurance, daily rental insurance, and emergency roadside insurance. |
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These auto insurance policies are not required by any state, but many drivers choose
these services for the added security and convenience they provide. |
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Rental Car Insurance
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Covers the cost of a rental car while your insured car is being repaired because of a
covered event. |
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Emergency Roadside Insurance
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Covers repairs done at the location of your automobile problem (roadside). This policy is
often combined with auto towing coverage and called Roadside Emergency Towing Insurance. Changing a flat tire on the roadside may also be covered, but you will need to pay for repairs received at the garage or other repair location. |
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Auto Glass Insurance
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Offers a lower deductible or no deductible for when repairing any broken window on
your car is required. |
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Auto Towing Insurance
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Covers costs involved for towing your car anytime you need it.
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What information is listed in the actual auto insurance policy that you are given by the
insurance agent? Learn about the different important sections in every auto insurance policy below. |
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Declarations
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Usually listed first in your auto insurance policy and unlike the remainder of your policy, it
will have been prepared especially for you. It will list the specific auto insurance coverages and amounts that you've chosen. |
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year, make,and model of your car
VIN - vehicle identification number
date the policy is effective
policy's coverage types and limits
policy's cost - premium
name of the insured (you or you and your spouse)
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Insuring Agreement
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Lists exactly what the insurance company promises to provide in return for the payment of
your auto insurance premium. The type and amounts of each coverage you've purchased is described in detail and also outlines exactly who is covered under each provision. |
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Exclusions
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The insurance policy exclusions section is a list of all possible circumstances that would free
the insurance company from the responsibility of paying a claim. |
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Example: most auto insurance contain an exclusion that exempts the insurance
company from having to pay in the case of intentionally caused damage or injury. |
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Conditions
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Lists the duties and responsibilities of the insured (You) in the event of a claim situation.
Will include guidelines for contacting the insurance company, obtaining a police report, and filing a claim. Information on auto insurance policy cancellation will be outlined here, too. |
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If you have an older car, you can lower your auto insurance premium by reducing or
dropping your collision or comprehensive coverages. Cars being sold today are much more costly to repair, just ask your auto mechanic the next time you see him. If you damage your older car in a car accident, it's likely that your repair costs will be lower than those for a newer car with similar damage. The amount of auto insurance premium that goes toward that coverage option is only slightly reduced for older cars than for newer ones. You can usually save some premium by taking on a small amount of risk. |
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Lower Auto Insurance Premium - Increase Your Deductibles
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Auto insurance premiums are based on the amount of coverage you have, and the
deductible you must pay before an insurance claim is paid. Auto insurance deductibles usually range between $100 and $1,000. A lower deductible raises the premium amount, and a higher deductible will lower your monthly auto insurance premium.
You should consider setting your deductible at an amount that you are comfortable
with. Determine the amount that you could afford to spend on your car in any given month if you had an accident. The amount that won't prevent you from paying all your bills is a good amount for an auto insurance deductible.
Remember though, if you have an car accident, the deductible you've chosen must be
paid before the insurance company will pay for your repairs, and there can be hidden costs in a car accident. For example, your auto insurance policy may not pay the cost of a rental car while your car is being repaired. |
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Low-Mileage Discounts
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The more miles you drive, the greater the chances of being involved in an accident.
Most auto insurance companies offer discounts to drivers who keep the number of miles they drive each year under 10,000 to 12,000 miles. |
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Moving Violations
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Most automobile insurance companies provide discounts to drivers who have not
had a moving violation in the past 3 years. Insurance companies consider speeding tickets and accidents the most serious moving violations which have an impact on your auto insurance premiums.
Review your driving record prior to shopping for auto insurance. You may want to
consider holding off on buying new auto insurance if you have a moving violation which can be removed from your records within a short period of time. |
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Reduce Auto Insurance Premium - Fewer Accidents
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Auto insurance companies want to insure the best drivers. Safer drivers have fewer
accidents, fewer speeding tickets, and make fewer claims. Every time you are involved in an auto accident or a moving violation, the state where you are licensed assesses points to your driving record. Auto insurance companies limit their risk exposure by charging higher premiums to drivers who have more points on their driving records. Convictions of driving under the influence of drugs or alcohol is often viewed as much more serious than a speeding ticket or a car accident by insurance carriers.
If you think that you apply for good driver rates, be sure to ask companies when
you are shopping for auto insurance what their "good driver" discounts are. Compare that price to the good driver rates of other companies, to help determine what the best auto insurance policy is for you and your family. |
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Reduce Auto Insurance Premium - Anti-Lock Brakes
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Anti-lock braking systems help prevent car accidents by shortening stopping
distances on wet and dry surfaces. Most car brakes without anti-locking mechanisms will lock if the driver slams the brake pedal, which can cause hydroplaning in wet conditions or skidding on dry surfaces. The proper way to avoid this is to pump the brakes. People are limited in the speed with which they can pump a brake pedal, so anti-lock brakes do the pumping for you and improve safety.
Auto insurance companies want to reduce the chance that their policy holders will
have a car accident. The auto insurance discounts offered are another incentive to buy cars equipped with anti-locking brakes. |
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Multiple Insurance Policy Discount
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Many auto insurance companies will offer lower premiums if you have multiple
insurance policies with the same company, or multiple vehicles insured under the same policy. This works differently depending on which specific insurance company you are dealing with.
Insurance companies will offer discounts if you purchase a homeowners insurance
policy or an umbrella insurance policy to go along with your auto insurance policy. |