AUTO INSURANCE QUOTES

A: Most states require you to carry a minimum amount of Liability Coverage. This covers the costs of damages or injuries you cause to other people and their property in an accident where you are at fault. It does not cover damage to your own vehicle or your own injuries.

A: These two coverages protect your own vehicle:

• Collision: Pays for damage to your car resulting from an accident with another vehicle or object (like a fence or tree), regardless of who is at fault.
• Comprehensive: Pays for damage to your car that is not caused by a collision. This includes theft, vandalism, fire, hail, falling objects, or hitting an animal.

A: A deductible is the amount of money you agree to pay out-of-pocket before your insurance company starts paying for a covered claim. For example, if you have a $\$500$ deductible and your car sustains $\$3,000$ in covered damage, you pay the first $\$500$, and the insurer pays the remaining $\$2,500$. Generally, choosing a higher deductible lowers your premium.

A: This optional coverage pays for a rental car while your vehicle is being repaired due to a covered claim (Collision or Comprehensive). If you rely heavily on your car for daily commuting and cannot easily access an alternative vehicle, this coverage is highly recommended to minimize inconvenience after an accident.

A: Insurance companies use several factors to calculate your premium, including:

• Your Driving Record: Tickets and accidents generally increase your rates.
• Vehicle Type: Expensive, high-performance, or easily stolen cars cost more to insure.
• Location: Rates are higher in areas with higher rates of theft, vandalism, or accidents.
• Age and Gender: Statistical risk factors play a role.
• Credit History: In many states, your credit-based insurance score can affect your rate.