Finding Cheap Auto Insurance

Cheap auto insurance is available, but can take some time searching for a reputable, reliable service that is right for you. The key to find cheap auto insurance is knowing where to look. Searching online is the perfect vehicle for finding the lowest rates. To ensure that you get the cheapest car insurance that best fits your needs, be sure to compare multiple quotes.

Here is some basic information you should know when choosing a policy.

Am I covered if I drive someone else's vehicle?
Generally speaking, the insurance goes with the car. For example, if you have an accident while driving someone else's car, the owner's insurance would apply first toward damages. Your auto insurance would generally apply in the event the owner of the vehicle had no auto insurance or did not have enough auto insurance to pay the damages.

What does “full coverage” mean?
The term full coverage generally means that the insurance policy has both liability coverage and coverage for damage to your vehicle. The term full coverage does not mean that everything is covered no matter what happens. Your auto insurance policy declaration page lists the coverages you have selected.

Will my policy be canceled if I have an accident?
Generally, being in an accident will not cause your policy to be canceled. However, after the facts of the situation are reviewed, you may be required to pay a higher premium for your policy upon renewal.

If I rent a car, do I have coverage?
Car rental companies charge daily fees for "CDW" coverage (which means their insurance will pay for all damages covered in your rental agreement). Rental car coverage under a private passenger policy varies state by state.

What is Optional/Add-on Equipment coverage?
Under the Comprehensive and Collision portion of your policy, optional equipment (a CD player for example) is covered only if permanently installed in the opening of the dash where the manufacturer would normally install such equipment.

An endorsement is available to provide coverage for optional equipment not permanently installed in the dash and for theft of items such as tapes, discs or other equipment designed for the reproduction of sound. Your agent can add protection for your car's custom stereo and electronics to your auto policy. These items are not commonly covered by regular auto policies.

What can I do to keep my auto premiums down?

You can work with your agent to make sure your auto premiums are as low as they should be:

Check to see if you're eligible for any discounts such as claim-free, driver education, auto/home or multi-car

Ask how much you can save by increasing your deductible