Your Top 10 Most Common Car Insurance Questions, Answered

C

insu

nce c

n be confusing.

e kno

, bec

use

e de

l

ith c insunce cl

ims e

ch

nd eve

y d

y,

nd

e’

e still lening ne

things!

The

e e so m

ny diffe

ent options out the

e fo

d

ive

s to choose f

om,

nd the leg

l

equi

ements v

y f

om st

te to st

te, but

s

lys,

e’

e he

e to help.

Tod

y

e t

ckle the top 10 most common c insunce questions.

1. h

   t dete

   mines c

   insu

   nce p

   ices?

   hy does my insu

   nce p

   emium keep going up?<

   h2>

<

h

ef=”https://c

inju

yvictims.com

episode-8-ho

-to-find-the-

ight-c

-insu

nce/”>C

insu

nce > tes e dete

mined by m

ny diffe

ent f

cto

s, including you

ge, gende

, c

edit sco

e, ho

often

nd ho

f

you d

ive, you

vehicle,

nd youccident histo

y. Ove

time, you

insu

nce policy c

n get mo

e expensive if you get into multiple

ccidents o

h

ve cl

ims

he

e you’

e dete

mined to be

t f

ult.

dding multiple d

ive

s o

vehicles c

n

lso inc

e

se you

c insunce p

emium.

t=”2″>

1. Ho

   c

   n I lo

   e

   my c

   insu

   nce p

   emium?<

   h2>

The best

y to lo

e

you

p

emium is to d

ive s

fely so you c

n

void

neg

tive cl

im histo

y. Some insu

nce comp

nies offe

“good d

ive

” discounts th

t

ill lo

e

you

p

emium fo

d

iving

ce

t

in

mount of time

ithout m

king

cl

im.

nothe

y to potenti

lly lo

e

you

p

emium is to inst

ll

device in you

vehicle th

t tnsmits d

t

bout you

d

iving h

bits b

ck to the insu

nce comp

ny.  Be

ned, ho

eve

: the info

m

tion t

cked on the device m

y be used

g

inst you in the event of

n

ccident!

nothe

good technique to m

ke su

e you’

e getting the best

v

il

ble p

emium is to shop

ound pe

iodic

lly. E

ch insunce comp

ny h

s

“t

get” c

ite

i

foho they p

efe

to insu

e,

nd you

suit

bility m

y ch

nge ove

time.  Fin

lly, some insunce comp

nies

ill offe

discounts if you insu

e othe

things — like you

home o

bo

t —

ith the s

me comp

ny.

t=”3″>

1. Is it

   o

   th it to shop

   ound

   nd compe tes?<

   h2>

You’d be su

p

ised!

s mentioned

bove, e

ch insunce comp

ny h

s the “pe

fect” pe

son they nt to insu

e. This diffe

s f

om comp

ny to comp

ny,

nd tget demogphics shift ove

time. The best

y to m

ke su

e you’

e getting the lo

est

te is to comp

e identic

l covege f

om diffe

ent insunce comp

nies.

e

ecommend

evie

ing cove

ge

nd comping p

icing on

n

nnu

l b

sis.

t=”4″>

1. Ho

   does my job

   ffect my c

   insu

   nce

   te?

Insu

nce comp

nies collect

nd use

lot of d

t

hen dete

mining ho

to set p

emiums. Jobs th

t

ttct younge

d

ive

s (lifegu

ds,

itst

ff, const

uction

o

ke

s, f

cto

y

o

ke

s, etc.) c

n inc

e

se p

emiums due to the

ssumption th

t h

ving th

t job me

ns you e younge

, even though th

t m

y not be the c

se.

1. Ho

   does my zip code

   ffect my c insunce te?<

   h2>

Did you kno

th

t ch

nges in

ccident st

tistics in you

su

ounding

e

c

n h

ve

n effect on you

p

emium?

he

e you

eside is

l

ge dete

mining f

cto

in setting tes. U

b

n e

s usu

lly h

ve highe

p

emiums th

n

u

l

e

s due to thei

st

tistic

lly highe

ch

nce of

ccidents, v

nd

lism,

nd theft.

t=”6″>

1. h

   t is

   deductible? Ho

   do you choose one?

deductible is

n

mount you’ll h

ve to p

y out-of-pocket

hen m

king ce

t

in types of insunce cl

ims. You should choose

n

mount th

t you kno

you

ould comfo

t

bly be

ble to p

y, should you eve

need to m

ke

cl

im. Th

t being s

id,

lo

e

deductible

ill genelly c

use you to h

ve

highe

p

emium. M

ke su

e to b

l

nce potenti

l s

vings vs.

h

t you could

ffo

d to p

y in the event of

cl

im.

lso, keep in mind th

t if you e fin

ncing you

vehicle, the lendeill

equi

e you to m

int

in ce

t

in insunce on you

vehicle

nd

ill limit ho

high you c

n m

ke you

deductible. Ultim

tely, the choice is up to you.

1. h

   t is the diffe

   ence bet

   een comp

   ehensive cove

   ge

   nd collision covege? Ho

   do I choose?

Comp

ehensive covege

ill cove

d

m

ges to you

vehicle stemming f

om events outside of

eck, like flood, h

il, o

theft. Collision cove

ge

ill p

y fo

the

ep

i

s to you

vehicle

fte

n

ccident, no m

tte

hose f

ult it is. Choosing you

level of cove

ge depends on you

o

n pe

son

l situ

tion. If you h

ve

nice ne

vehicle th

t you nt to p

otect f

om

e

the

o

theft, you should choose comp

ehensive cove

ge. Ho

eve

, if you

vehicle is oldend

l

e

dy h

s

fe

dents, collision covege m

y be

dequ

te. Often, insu

nce comp

nies offe

comp

ehensive

nd collision cove

ges togethe

s

bundle.

1. h

   t is g

   p insu

   nce?

If you get into

n

ccident, g

p insunce exists to cove

the diffe

ence bet

een

h

t

vehicle is cuently

o

th

nd the

mount you still o

e on it. If you’

e still p

ying off you

vehicle, g

p insu

nce is

o

th it — especi

lly if the

mount you o

e on you

vehicle is mo

e th

n the

mount the vehicle is

o

th. Most of us h

ve he

d the ide

th

t

ne

vehicle loses signific

nt v

lue the minute it’s d

iven off the de

le

’s lot,

nd it’s t

ue. If you e buying

ne

vehicle

nd only putting

sm

ll

mount do

n, o

if you e “

olling”

b

l

nce into fin

ncing on

ne

c

you

e pu

ch

sing,

e highly

ecommend g

p insunce.

1. h

   t is PIP

   uninsu

   ed moto

   ist cove

   ge?

   h

   t

   e the doll

   mount limits I see on my policy? (Ex

   mple: 25/50/25)

PIP st

nds fo

“<

h

ef=”https://c

inju

yvictims.com

should-i-use-my-pe

son

l-inju

y-p

otection-pip-cove

ge/”>pe

son

l inju

y p

otection >.” It cove

s medic

l expenses

nd, in some c

ses, lost ges

nd othe

d

m

ges. PIP is designed to be p

id

egdless of

ho

s “

t f

ult.” This me

ns even if you c

used

n

ccident, you

insunce's PIP c

n help p

y fo

you

medic

l bills

nd othe

expenses. Uninsu

ed moto

ist cove

ge helps p

y fo

d

m

ges c

used by

d

iveho does not h

ve c

insu

nce.

n insunce covege limit st

tes the m

ximum

mount of money

n insunce comp

ny

ill p

y fo

hen you file

v

lid cl

im

ith them. Insu

nce limits

e

ep

esented on you

policy by th

ee consecutive numbe

s,

efe

ing to the limit of p

yout

mounts fo

diffe

ent d

m

ge c

tego

ies. In ou

ex

mple 25/50/25, this me

ns the policy

ill p

y up to $25,000 in inju

ies pe

pe

son, $50,000 in inju

ies peccident,

nd $25,000 in p

ope

ty d

m

ge pe

ccident.

t=”10″>

1. Do I still need c

   insu

   nce even if I don’t d

   ive often?<

   h2>

Yes. Look into p

y-pe

-mile c

insu

nce pl

ns like <

h

ef="http:

/met

omile.com" tget="_bl

nk”

el="noopene

nofollo

">Met

omile >.

ith these pl

ns,

device is inst

lled in you

vehicle to t

ck ho

m

ny miles you d

ive,

nd you

e billed

cco

dingly inste

d of

t

fixed monthly p

emium. This c

n s

ve you tons of money if you do not d

ive often.

Don't t

ke ch

nces. T

ke

ction.<

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top ten most common <

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ccident

“>c

insu

nce > questions,

ns

e

ed.

e hope this m

de it e

sie

to m

int

in p

ope

cove

ge

nd m

ke info

med decisions. If you eve

find you

self in

<

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ccident<>, de

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nce comp

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bnd ne

set of questions,

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ssu

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e he

e fo

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e

ch out

ny time fo 100% <

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“>f

ee c

se ev

lu

tion >. One c

ccident c

n ch

nge you

life - but so c

n one victo

y

ith us.