Our licensed agents provide you with an exact quote. Don't be mislead by online insurers who sell you an estimated policy without reviewing your MVR, Accident & Credit reports to determine the exact rates. These type of companies sell you the policy then a few weeks later the rates may double or even triple! We actually run all the reports and can provide you with copies of your driving reports. Save yourself a trip to our office - ID cards can be faxed directly to DMV or emailed.
Liability insurance. If you cause an accident, liability insurance covers property damage and medical bills. It's required by law in most states that drivers carry liability insurance, and various states have various minimums. Make sure your coverage meets the minimum required by your state, and this information is available on the website of your state's insurance commission. It's a good idea to get more coverage than just the bare minimum, since this will give you extra accident protection.
Collision coverage. Collision coverage pays for damage to your car if there's an accident, and it will reimburse you for your car's value if the vehicle is totaled. If you have a lease or a car loan, your lessor or lender will require collision coverage. If you own your car outright and it's older and of low value, it might be in your best interest to skip collision coverage.
Comprehensive coverage. Comprehensive coverage springs for vehicle damage or loss that isn't caused by a collision with another vehicle. If your car suffers theft, weather damage or is damaged as a result of a run-in with an animal, comprehensive coverage will foot the bill. Comprehensive insurance is required if you owe money on your car loan or if you have a lease, but if you own an older car that's not worth very much, consider foregoing this coverage.
Personal injury protection. This coverage pays your medical bills and those of your passengers if you're injured in an accident. Medical expenses can quickly add up, so this is useful coverage to have.
Uninsured/underinsured motorist protection. Even though liability insurance coverage is required by law, a recent study by the Insurance Research Council indicates that in 2012, as many as 12.6 percent of all U.S. drivers were uninsured. If you get in an accident that's caused by a driver who has no insurance or not enough coverage to cover the damage, uninsured/underinsured motorist protection will assist with your expenses. This coverage is worth getting, and it's usually fairly inexpensive.
Know the rules of the gameInsurance providers look at various aspects of your personal history and living situation to determine your rates, and it can be helpful to know which factors will be taken under consideration. The following variables play a big role in determining your car insurance premiums:
Driving record. A clean driving record will help you get lower car insurance rates. If you've caused an accident, this will result in increased rates. Recent accidents will raise your rates the most, while an accident that took place years ago will have less of an impact. Tickets and points on your license can double your rates.
Age, sex and marital status. Single male drivers under the age of 25 tend to have the highest accident risk, and as a result, they pay the steepest rates for car insurance. Even older drivers who just recently became licensed pay more.
Your address. Certain neighborhoods have a higher incidence of theft and accidents, and if you live in such a community, your car insurance rates will be higher. Generally, urban areas have higher rates than rural communities.
Your mileage. The more mileage you put on your car, the more you can expect to pay in auto insurance. If you have a long commute to work or frequently take road trips, you'll likely find yourself facing steeper-than-average car insurance premiums.
Your credit history. Believe it or not, certain credit data can be useful in predicting insurance claims. Those with excellent credit are less likely to lodge claims, and for this reason, these policyholders tend to get the best rates. It's a good idea to obtain a copy of your credit report before purchasing car insurance so you can clean up errors, and know where you stand. Keep in mind no previous insurance results in higher rates since you have no track record of on time payments and responsible driving.