Here are some of the most frequently asked questions regarding our client's Auto Insurance.
Keep in mind that auto insurance laws differ from state to state, as well as being different with each company. Check your policy for the exact answer or even better, consult with your agent if you have any questions.
Q. Am I covered when I rent a car? A. Coverage typically extends to rental cars while in the U.S., its territories, and Canada – as long as you have comprehensive and collision coverage. In addition you can always check with your credit card company, as they may offer rental car coverage as well.
Q. Do I need collision and comprehensive coverage on my car? A. Collision coverage (for damage caused by a collision) and comprehensive coverage (for damage from causes other than a collision) are not required in all states. If you have an older car with a low book value, you may choose to forego this protection. You should make a thoughtful decision to include this coverage based on the car’s value, cost of the coverage, and the amount you could afford to pay out-of-pocket if your car is damaged.
Q. If my brother-in-law borrows my car, is he covered by my policy? A. If he has your permission to drive your car and has not been specifically excluded from coverage under the policy, he’s covered. If someone drives your vehicle on a regular basis, however, please contact your company. Also be aware that even though most companies include this, not all of them do, and is something you want to consult with your agent on prior.
Q. My daughter is away at college and drives only when home for the holidays. Should she be included on our policy? A. Yes, students living away at school are considered household members and should be listed on your policy.
Q. How does the car I drive affect my insurance premiums? A. In general, more expensive luxury cars and high-performance sports cars are costlier to insure because they cost more to repair. Minivans and SUV/crossover models are typically the least expensive to insure. Most companies offer discounts for electric and hybrid vehicles and cars with air bags, anti-theft devices, anti-lock brakes and more.
Q. What can I do to help control my insurance costs?
A. The most important thing you can do is drive safely and maintain a clean driving record. Here are four more ways to help lower your premiums:
Complete an approved defensive driver course. Both Teens & Seniors can qualify for discounts if these types of courses are taken, sometimes ranging up to 3 years after it has been completed.
Take advantage of discounts. Save money by insuring two or more passenger vehicles, paying the premium in full for your 12-month policy, and more.
Increase your deductibles. The deductible is what you’ll pay out-of-pocket if you have a loss. If you’re able to cover such unexpected expenses, consider raising your deductibles to significantly lower your premiums.
Don't be afraid to shop other companies. When you are a client at our agency, we are able to do this type of work for you. If we ever see that your auto insurance rates are spiking, we make sure to shop you again with over 20 additional auto insurance carriers.
Source: https://www.thehartford.com/resources/em/understanding-auto-pup
