Auto Insurance Basics
How do I find the best and lowest auto insurance for me?
You will have to compare rates. You can do this by calling each insurance company or going to each of their websites. Or you can let InsureOne do this for you. We provide fast car insurance quotes by comparing rates from the top insurance providers to provide you a personalized quote.
Why did my car insurance premium increase?
Your car insurance premium can increase for a few reasons: you submitted a lot of claims this year, you moved to a location where your risk of a car accident is higher, traffic violations, and more.
What is full coverage car insurance?
Full coverage means that your auto insurance policy includes liability coverage and collision coverage. Some drivers only choose liability insurance, which only covers the other driver if you are at fault. Having full coverage doesn’t necessarily mean that you are totally protected. You may still have to add additional coverage. Check your policy and talk to your insurance agent to be sure.
Do I need roadside assistance if I have car insurance?
It depends. Some car insurance policies include roadside assistance and some don’t. You will need to check your policy to see if you have it.
Can I get car insurance with a suspended license?
Most insurance companies will not issue a car insurance policy to someone with a suspended license. If you have a suspended license and need to drive to work or school, you may be eligible for an SR-22. Insure One provides SR-22 insurance. Learn more
Does car insurance cover theft?
Liability insurance (the required coverage) generally does not cover theft. Comprehensive coverage will usually cover theft, as well as repair costs from break-ins.
Is auto insurance tax deductible?
If you are self-employed and you use your vehicle for business purposes, you may be able to make a tax deduction for your insurance. Consult with your tax professional for more information.
Can my car insurance company drop me?
Yes. Your car insurance provider may consider canceling your car insurance for the following reasons: too many accidents, not paying your premium, and for providing inaccurate information when you signed up.
Can I get car insurance if I don’t own a car?
Yes. Most car insurance companies offer what’s known as non-owner car insurance policies. These policies usually don’t offer collision or comprehensive coverage, but offer standard liability coverage and may let you add medical and underinsured/uninsured motorist protection.
Do I need a different type of insurance for my other vehicles?
Yes. Car insurance will only cover your car. If you have other types of vehicles such as an RV or motorcycle, you will need a separate policy for those. Insure One offers motorcycle insurance, RV insurance, snowmobile insurance and more.
I drive for Lyft and Uber, Do I need rideshare insurance?
Yes, supplemental rideshare insurance is a good option for you. Some states, like California, require it.
What is Rideshare Insurance?
Rideshare insurance is designed to fill the gap in coverage provided by your personal car insurance and the commercial insurance offered by the ride-sharing company.
Does car insurance cover rental cars?
If you only have liability coverage, you will not have rental car coverage. If you have comprehensive and collision coverage, you are most likely covered if you rent a car.
What is Gap Insurance?
Gap insurance is an optional, add-on car insurance coverage that fills the gap between what your insurance company pays for accident or theft, and what you owe on an existing car loan. It can pay the difference between the balance of a lease or loan on your vehicle and what your insurance company pays if the car is considered a covered total loss.
Does my vehicle affect my car insurance rates?
Yes. The market value of your car and the history of other drivers with the same make and model. That’s right, your rates are based in part on the claims your insurer has seen from other people who drive the same car. Sports cars often have higher insurance rates.
What deductible should I choose?
You should choose a deductible based on what you can afford. The higher your deductible is, the lower your premium will be. The lower your deductible is, the higher your premium will be.
Why do car insurance premiums change?
Car insurance premiums can change for a number of reasons, including inflation, uninsured drivers, driving history, medical costs and more.
Why do insurance companies use my prior insurance information?
Some insurance companies may review your history with previous auto insurance carriers to determine whether you qualify for coverage and others may use it to calculate your premium or determine if you are eligible for discounts.
Am I covered if I drive someone else’s vehicle?
Yes. Your liability insurance covers you if you are driving someone else’s car
Buying Auto Insurance
How can I get discounts on my auto insurance?
A lot of insurance providers provide discounts that you can use to lower your car insurance premium. Some of those discounts including multiple product discounts, good driver discounts, security features, and more.
Why should I buy more insurance than the state’s minimum requirements?
If you are at fault in a car accident and the damage is more than your car insurance will cover, then you will have to pay the rest out-of-pocket. Increase your limits to make sure you are protected.
Can I Buy Car Insurance Online?
Yes, you can. You can also get free car insurance quotes online here
Can my credit score affect my car insurance premium?
Yes, it can. Some insurance companies look at your credit history to determine your car insurance rates. If you have good credit, you will most likely get lower rates, but if you have bad credit, you may be labeled high-risk and your rates may be higher.
Is car insurance expensive?
The rate of your car insurance premium will be determined by several factors including your age, location, driving history and vehicle. Insure One offers free car insurance quotes online and over the phone at (800) 836-2240.
When should I buy car insurance?
You should buy car insurance immediately after you purchase your vehicle.
What can I do to keep my car insurance premiums low?
The best way to keep your premiums low is to be a good driver. Drive cautiously, wear your seat belt and never drive under the influence.
Do I have to pay for an online quote?
No. Insure One offers free online quotes for all of our insurance products.
When does my coverage start?
As soon as you receive your valid proof of insurance. Sometimes these can be emailed to you or retrieved online.
Auto Insurance Claims
Can car insurance companies deny claims?
Yes, and when your claim is denied, the insurance company has to give you the reason for the denial.
Why would my car insurance deny my claim?
There are many reasons why your claim may be denied. Some common reasons include: the car accident was avoidable, you haven’t paid your premiums, you have insufficient coverage, you were driving under the influence, accident wasn’t reported on time, and you’re an excluded driver.
My claim was rejected without explanation. What should I do?
Ask the insurance company for a written denial letter. The letter should contain the reason(s) why your claim was rejected. Knowing the reason your claim was denied is the first step in challenging their decision.