Last updated: October 5, 2015 at 10:41 am
16 Common Car Insurance Questions By Insurantly

What is the approximate cost of car insurance for new drivers?

New drivers have to realize that insurance companies do not have a standard rate for them, especially them because of the risk factor. The cost is determined by several factors such as age, experience, car type and year, gender, income level, credit score, civil status, and even place of residence.  Read more about Cost for new drivers

Where can you get car insurance that provides discounts to women drivers?

Women are known to be careful drivers, generally speaking and so there is a chance of getting a discount based on a good driving record. There are also some insurance companies that cater exclusively to women car owners. Read more about discounts for women drivers.

Why do Car Insurance Rates go up?

Car insurance rates go up for several reasons. Inflation, cost of goods and services on the part of the insurance company, and claims made on the part of the car owner. Read more about why rates go up.

When I’m speaking with my agent, what are the discount types I should ask about?

The usual discounts that will be considered by an insurance agent would be group, multiple cars, or decrease in coverage. Insurance rates can also go down because the value of your car depreciates. That is, unless it is a collector’s car or the market value remains high. Read more about what to ask your agent about.

What will happen if I cancel my car insurance?

There are several situations when cancellation of car insurance is acceptable by both parties. Read more about what could happen when you cancel your auto policy.

What will happen if I don’t pay my car insurance?

Insurance is like a utility bill. If you don’t pay it, there are dire consequences. For example, you will be constantly under pressure when you are behind the wheel of a car. Read more about what happens if you do not pay auto insurance bill.

How Does Credit Score Influence Insurance Costs?

The credit score is one of the factors that determine your monthly premium. It matters to the insurance company how good you are at handling your finances. Read more about credit scores

How do Deductibles Work?

A deductible is the amount you have to pay to the insurance company once your claim has been approved. If you are claiming for damages worth $1,000, the deductible you agree to pay will be charged to you while the insurance company covers the balance. Learn more about deductibles.

Is anyone who drives my car covered?

Yes, in most cases the person driving the car is covered provided they have permission from you or he is listed in your insurance policy. One exception to this general rule is the person uses your car regularly but is not listed. Read more letting anyone drive your car.

Why is it harder to get insurance with bad driving records?

Anyone with a bad driving record is considered a high risk driver. The chances the insurance company will not make money changes from possible to probable. Read more about why it’s harder to get insured with a bad driver record.

Can you get a better car insurance rate if you talk to someone over the phone?

Today it is easier than ever to compare rates online and over the phone. Go here to learn about getting cheaper car insurance over the phone.

What do insurance companies consider when deciding cancellations?

There are a few common guidelines insurance companies agree on when deciding on cancellation of car insurance policies. However, outside of this sphere are their individual criteria. Read more about how insurance companies determine cancellations.

How much is car insurance deductible when not at fault?

If you are not at fault in a car accident and the other driver is willing to accept blame and has adequate insurance, you don’t pay any deductible. This is because you don’t have to file a claim with your insurance company. Read more about at fault and deductibles.

Is car insurance tax deductible?

Yes, there are cases when the insurance is tax deductible. For instance, if your car or vehicle is being used for business you can be eligible for a tax deduction. This is known as Schedule C if you are self-employed.  Read more about auto insurance being tax deductible.

Is it true you can get cheaper car insurance if you drive less than 25 miles per day?

The general rule among insurance companies is that driving less means lower premiums. In fact there are insurance companies that may be willing to discuss discounts for travel of 40 miles or less daily.  Read more about cheaper car insurance with daily mileage under 25 miles per day.

If someone sues me, will my insurance company represent me?

The insurance company has an obligation to defend you if you are sued provided you have liability insurance. They can avoid involvement if there is no coverage involved.  Read more about representation.

My child was at fault in an accident driving a friend’s car, do I have to tell my insurance company?

If your child is listed in an insurance policy and you need to file a claim to help you cover the cost of the damages and medical expenses, then you will need to inform them. Read more about at fault in auto accident.