Questions
Frequently Asked Questions
If you need immediate assistance, click the button below to chat live with a customer service
representative.
What does auto insurance actually cover?
Auto insurance typically covers damage to your vehicle, liability for injuries or damage to
others, and sometimes extras like roadside assistance. Coverage depends on your plan and state
requirements.
Do I really need full coverage or just liability?
Liability insurance is the minimum required in most states and covers damage you cause to others.
Full coverage includes liability plus protection for your own car, which is highly recommended if
your vehicle is newer or financed.
Why do insurance rates vary from person to person?
Rates depend on factors like driving history, age, location, vehicle type, credit score, and
coverage level. Safer drivers with clean records often enjoy lower premiums.
How do I file a claim after an accident?
First, ensure everyone is safe and call emergency services if needed. Then, document the accident,
contact your insurance provider, and follow their process to submit a claim with photos and
reports.
What discounts are available to lower my premium?
Many insurers offer discounts for safe driving, bundling home and auto, good student performance,
low mileage, or installing anti-theft devices. Ask your provider about available options.
Will my rates go up if I file a claim?
In many cases, yes. Filing a claim, especially if you're at fault, can increase your premium.
However, some insurers offer accident forgiveness for the first incident.
Can I drive someone else’s car with my insurance?
Most policies cover you while driving another vehicle with permission, but coverage may vary.
Always confirm with your provider before relying on your policy in such cases.
How often should I review my auto insurance policy?
Experts recommend reviewing your policy once a year or whenever you experience life changes such
as buying a new car, moving, or adding a new driver to your household.