Auto Insurance Coverage FAQs

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My Friend Crashed My Car: Am I Covered?

Let’s face it; unless you live alone and have no friends or family living near you, an individual not listed on your insurance policy will probably drive your car at some point. The thought of an accident is probably the furthest thing from your mind when you hand over the keys. Unfortunately, these quick trips...

Let’s face it; unless you live alone and have no friends o...

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Will 15 minutes really save me 15 percent on insurance?

These days, it’s cliché to see or hear a commercial about how much you can save by switching insurance companies. You might be asking yourself how it’s possible that every insurance company in America can save you $400 by switching. Why not just keep moving from insurer to insurer until you’re paying nothing?Read More: Types of...

These days, it’s cliché to see or hear a commercial about...

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What is guest passenger liability?

As most motorcycle riders will tell you, it’s nice to be able to ride knowing you’re protected against anything that could happen while on the road. However, could your guests say the same thing? Protective gear will only be partially effective in the event of an accident, which is why there is coverage in existence...

As most motorcycle riders will tell you, it’s nice to ...

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What is a collision damage waiver for a rental car?

We’ve all experienced that sinking feeling when renting a car and trying to decide whether to get the insurance or not. It seems like a no-win situation; you either pay for the additional rental car insurance, or decline it and leave in fear you may be involved in an accident and go broke paying for the damages (which...

We’ve all experienced that sinking feeling when renting a ...

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Should I buy collision insurance on an older car?

Insurance Q&A: “Should I buy collision insurance on an older car?” Let’s face it; we’re all looking for ways to save a buck on our auto insurance premiums. Additionally, we want to be certain we’re not paying for coverage that will wind up being useless when it comes time to file an insurance claim. That...

Insurance Q&A: “Should I buy collision insurance on an...

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What is MedPay insurance?

Believe it or not, most of the price associated with our insurance rates is based on the cost to settle a claim versus the amount of money actually paid for injury liability or physical damage. Think attorney fees and court costs. MedPay insurance, or medical payments that are covered when damage is done to others, is an optional...

Believe it or not, most of the price associated with our ins...

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How much is car insurance for a 16-year-old?

Here’s what you need to know… When adding a teen to your auto insurance, your rates may go up anywhere from a few hundred dollars to over $1,000 annually Insurance companies view teenagers as high-risk drivers, which is why rates are higher for them Asking about discounts, raising your deductible, and driving an inexpensive vehicle...

Here’s what you need to know… When adding a teen...

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What is physical damage coverage?

Here’s what you need to know… Liability auto insurance does not cover physical damage to your car, just to the car you hit Collision coverage is for when your car is damaged in an accident Comprehensive coverage handles damage to your car not from an accident, like theft or a fire When purchasing auto insurance,...

Here’s what you need to know… Liability auto ins...

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Why Did My Car Insurance Rate Go Up? No Accident or Ticket

The Truth in a Nutshell: Most car insurance companies will lower your rates if you have no tickets for three years Car insurance rates can go up for many reasons, like a change in address or if you buy a new car You can lower rates by increasing your deductible, lowering your coverage, or shopping...

The Truth in a Nutshell: Most car insurance companies will l...

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