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Basic Terms to Know:
Claim
If you have a loss that is covered by the terms of your car insurance, you can file an insurance claim with your insurance company for coverage, compensation or for representation if you are liable for damages.
Deductible
A deductible is the amount you need to pay before your insurance company begins to pay for your damages or loss. You choose the deductible amount when you buy insurance.
Premium
The premium is the amount you agree to pay in exchange for protection from an insurance company. Annual and monthly payments are how most people pay for insurance. Others pay semi-annually or quarterly.
Liability
A liability, in general, is an obligation to, or something you owe someone, as a legal financial debt. Liability insurance protects you against legal costs and payouts you would otherwise be responsible to pay out-of-pocket.
Car Insurance Coverage: Simplified
Bodily Injury Liability
This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.
Property Damage Liability
This form of coverage is required in every state. It covers property damage and loss of use to a third party.
Premium
Drivers in the US have a lot of options when it comes to car insurance. With hundreds of companies.
Liability
How much is car insurance for your vehicle? Your make and model are one of the biggest factors in determining the price you pay.
Factors that Affect Car Insurance Rates
Location
Your location is one of the biggest factors in determining your insurance rates. Insurance premiums for state-minimum coverage vary by up to 318! Car Make & Model
The safer the vehicle, the cheaper the insurance (sometimes). Insurance companies prefer to insure safe vehicles as they’re less likely to have expensive repairs. So what you drive is just as important as how you drive.
High-Risk Violations
If you’re getting into a lot of accidents or receiving speeding tickets, it will impact your insurance premiums. Insurance providers reward safe driving habits, so be sure to keep your high-risk violations to a minimum.
Credit History
Some states actually take your credit history into account when determining your premiums. Indiviuals with good credit can save some money each month in the majority of US states.
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