Common Car Insurance Questions
I missed a payment. Can my insurance policy be canceled?
It depends on the state. In some state, your
insurance can be canceled although many times a notice along with a late fee
will be sent instead.
What are points?
Points are given for traffic
violations, DUI, accidents, etc and will usually cause your insurance rates to
go up. It is a numerical way to determine your driving record.
If somebody borrows my car is it still covered?
Normally a car is covered as
long as it was lent and the driver is licensed. Typically insurance is based on
a car, not the person.
I have a really cheap car. Do I still need insurance?
Yes, it's the law to have
liability insurance. However, you may consider dropping your comprehensive and
collision coverage.
What is no-fault insurance?
Typically insurance companies
would pay based on the particular fault of each driver. With no-fault insurance
your insurance company pays for your damages regardless of the cause.
What is SR-22 Insurance?
While it varies by state,
SR-22 is normally used when a license has been suspended or revoked by DUI or
other serious traffic violations.
What factors determine the cost of my insurance policy?
Numerous factors are used
including driving record, location, age of drivers, education, type of car,
type of use, number of drivers, credit history, criminal record, past policy
cancellations and sometimes occupation.
Where can I find car insurance?
It's best to shop around.
We recommend calling local
agents as well as getting an online
quote.
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