Frequently Asked Questions

 Auto insurance typically covers damages to your vehicle and others involved in an accident, medical expenses for injuries, and liability for property damage or bodily injury caused by you while driving .

 Factors such as your driving record, age, gender, location, type of vehicle, coverage limits, and deductible can all impact your auto insurance rates. 

 A deductible is the amount of money you must pay out of pocket before your insurance coverage kicks in to cover the rest of the expenses. Higher deductibles usually result in lower premiums, and vice versa. 

 Liability insurance covers damages and injuries that you are legally responsible for causing to others. It typically includes bodily injury liability and property damage liability. 

 Collision coverage helps pay for repairs to your vehicle if it's damaged in a collision with another vehicle or object, regardless of who is at fault. 

 Comprehensive coverage helps pay for damage to your vehicle from incidents other than collisions, such as theft, vandalism, natural disasters, or hitting an animal. 

 If you frequently drive borrowed or rented vehicles, you may need non-owner car insurance to provide liability coverage when driving those vehicles. 

 Yes, you can typically add other drivers to your policy, such as family members or household residents. It's important to disclose all regular drivers to ensure proper coverage. 

 Allowing your auto insurance policy to lapse means you are driving uninsured, which can lead to legal consequences and financial risk if you're involved in an accident. Additionally, you may face higher insurance rates when you reinstate coverage. 

 You can save money on auto insurance by comparing quotes from multiple insurers, bundling your auto insurance with other policies (such as home insurance), maintaining a good driving record, increasing your deductible, and taking advantage of discounts for things like safe driving, multi-car policies, and anti-theft devices.