Question: If someone else drives my car, will they be covered under my insurance?
Answer: As long as they have the permission from you that they can use the vehicle, in most cases the answer is yes.

Question: What is the difference between comprehensive and collision?
Answer: Comprehensive coverage covers just about anything that happens to your car, excluding fire or theft. Common collision coverage covers cars colliding.

Question: Why is it that certain cars cost more to insure?
Answer: The cost of insuring a car can vary quite a bit, depending on the type of vehicle. Generally speaking, the more expensive a car is, the more costly it will be to replace, so it will be more costly insure. Also, more expensive vehicles are generally more expensive to repair.

Question: Does my driving record affect how much I will pay for auto insurance?
Answer: Your driving record for the past several years will be reflected in the price of your auto insurance. Different insurance companies treat this differently. When you sign up for insurance, the insurance company will gather your driving records from the motor vehicle department in your state.

Question: Does being married save money on car insurance?
Answer: Generally speaking, your rate will decrease after you get married. One of the main reasons for this is that you would likely qualify for a multiple vehicle discount. It is probably not a good idea to get married for the sole purpose of saving money on your auto insurance policy.

Question: Why would I need medical coverage if I already have health insurance?
Answer: It can be a good idea to buy a small amount of medical coverage anyway. Some things may not be paid for by your own health insurance and also, with medical coverage on your car insurance policy,  payments are made regardless of who was at fault for the accident.

Question: Can I suspend my auto insurance coverage for a short period of time?
Answer: This depends on which state you live in. It also depends on whether or not you owe money on the vehicle. Many lenders require that you continually maintain insurance coverage.

Question: Can my policy be cancelled for a single accident?
Answer: Insurance companies cannot cancel a policy that’s been in force for over 60 days. The only exceptions to this are when you have not payed the premium or you have fibbed on your application, thereby committing fraud.

Question: What is the minimum amount of insurance that I can get?
Answer: Limits vary by quite a bit from state to state. Keep in mind that when you only have the minimum limits, if you travel to a different state then you will automatically assume that state’s minimum liability requirements.

Question: Why do insurance companies want information about my credit?
Answer: Credit reporting agencies supply auto insurance companies with credit info about you in order to calculate an insurance risk score. Many auto insurance companies feel that people with solid credit are less likely to get into an accident or file a claim.

Question: What is GAP insurance and how does it work?
Answer: This is mostly for newer vehicles. Since the value of a new car drops dramatically after it is driven off the lot, there can be a “gap” between what you still owe on your car loan and the amount the insurance company will pay for the vehicle. By purchasing “GAP” insurance, you can simply cover this difference.

Question: What is the SR-22 form?
Answer: Also known as a certificate of financial responsibility, The SR-22 is just a simple form that an auto insurance company will file with the department of motor vehicles in order to verify that your policy is in-force.

Question: How is it decided whether or not my car is “totalled”?
Answer: Each auto insurance company looks at this decision differently. If the estimated cost of repairs plus the salvage value equals or exceeds the car’s actual cash value then most car insurance companies will determine that it is a total loss.

Question: I received a certain quote but when my bill arrived, the amount was higher. Why is this?
Answer: Whenever this happens, it is simply called a misquote. There are many different factors that go into computing your actual premium. Where you live and where you car is parked at night, the type of vehicle that you own, how much and how often you drive, the level of coverage that you want, your overall driving record, and how old you area; These are all factors that go into determining your actual premium.

Question: What are the best liability policy limits?
Answer: It is generally accepted among insurance agents that the state minimum policy limits are not enough. Most insurance professionals would agree for the average driver the best liability limits to have are 100/300/100.

Question: What information should I prepare in order to get a car insurance quote?
Answer: It is a good idea to have as much information available as possible. This will make it easier to receive and auto insurance quote. Here are some specific items that you should have at hand.
General Information: Where you live and your email address.
Vehicle Information: The make and model of your vehicle. The annual mileage that your car is driven. The ownership details on your certificate. It is also helpful to have the Vehicle Identification Number (VIN) of your vehicle but this is not generally required in order to get an auto insurance quote.
Driver Information: Your Age, level of education and your occupation.
Incidents: You will need to list any accidents, violations or claims that you may have had in the past five years.
Coverages: You will need to supply the name of your current auto insurance company. The current policy dates and amount of coverage you currently have or the amount that you wish to have are also helpful.