Car Insurance FAQ’s

Car Insurance FAQ’s

What you don’t know about auto insurance can be costly. Here are some of the questions we hear most often from those seeking coverage or comparing rates.

Am I Required to Carry Auto Insurance by Law?

Every state has some form of financial responsibility law or law that requires drivers to have automobile insurance. You are not required to have full coverage, however, each state has minimum levels of coverage that are mandated for liability coverage.

If I File a Claim on My Auto Insurance, Will My Premiums Go Up?

Not necessarily. Your premiums will likely not increase if you are not at fault or if damage is minimum. It may increase if you are cited for an at-fault accident that causes significant damage or injuries.

What is High Risk Insurance?

Sometimes referred to as “non-standard insurance” in the industry, high risk auto insurance is for drivers who have been determined to pose a higher risk of becoming involved in an automobile accident. This may be due to repeated traffic offenses, too many points on a driving record or even getting a DUI. High risk auto insurance is significantly more expenses than an average policy.

Does Auto Insurance Follow the Car or the Driver?

Typically, automobile insurance follows the car not the person. This, however, may change depending on the policy and circumstances.

Does My Car Make & Model Affect Premiums?

Absolutely. Cars have different safety features, ratings, values, engines and other features that will impact rates. The cars age and likelihood of theft can also make a difference. 

Can Comparing Auto Insurance Rates Actually Save Me Money?

It may be the single best way to save on car insurance premiums. Differing companies offer rates that can vary widely. Others offer a variety of discounts. The best way to find out if you are over-spending on car insurance is to compare.

As an independent insurance agency, we have relationships with multiple companies. Our agents will go in search of the coverage you deserve at a price you can feel comfortable with. If you have any automobile insurance questions not covered here, or would like a free auto insurance review or price quote, we invite you to contact us. Let us do the shopping for you.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

The Power of Looking Forward

What’s on Your Calendar you are Looking Ahead to?

The Fastest Car You May Never Have Heard Of

You Won’t Believe the Zero to 60 Time of This Four Seater

Roofing Material Choices 101

The Basics of Materials Used to Protect Your Home

Duct Tape: The All-Purpose, Don’t Leave Home Without it Product.

It is Durable, Tears by Hand and Sticks to Almost Everything

Fuel Your Business with a Blog

Yes. A Blog About Blogging.

Reachable, Achievable Goals

Keep Your Life Moving Forward with Smaller Goals

The Little Known Story of the First Japanese Super Car

Japanese Cars Weren’t Always Viewed as Well Crafted. Until Perhaps, This Moment.

You May Never View Your House the Same Again

Here’s How to View Your Home on a More Personal Basis

Discovering the Appalachian Trail

It Has Been Described as Alluring, Life Changing and Mysterious

Down on the Corner: America’s Business Barometer

What Businesses are on the Corners of Your Nearest Intersection?