Car Insurance Summary
The folks at DMVGO.com understand the importance of maintaining car insurance and getting an affordable rate on insuring a vehicle.
On this page, you’ll find information about car insurance, how to get an insurance quote, the benefits and downsides to getting cheap car insurance, high-risk car insurance, and insurance deductibles. Continue reading this page to learn general details about car insurance.
What Is Car Insurance?
It is important for you to first learn the basics of car insurance before we discuss it in greater detail. Car insurance coverage prevents you from having to pay for the costs associated with car accidents and unforeseen events that involve your vehicle — up to a certain limit.
Car insurance companies provide coverage. What insurance covers and how much coverage the insurance provides for you depends on the type of insurance plan you get.
All drivers must maintain at least a minimum amount of car insurance in the vast majority of states, though you do not have to hold car insurance in every state of the United States.
DMVGO.com makes it easy to compare quotes in just a few minutes by asking simple and straightforward questions about your driving habits and vehicle information. You’ll get personalized recommendations based on your needs and budget – all without having to talk to an insurance representative over the phone or go into an office! If you have any questions, our friendly customer service team will be happy to answer them day or night.
Does My Driving History Affect My Car Insurance Rates?
You will find that there are quite a few factors that go into determining what your car insurance rates are when you approach an insurance agent.
There is no better factor than your driving history. If you have a good driving history with very few to zero accidents (and no other serious traffic violations), your car insurance rates will likely be lower than most drivers on the road.
On the other hand, if you have a poor driving history with more than a few accidents on your record, you will be considered a high-risk driver and you will have to pay more for car insurance.
Looking for Auto Insurance?
You’ve come to the right place. DMVGO.com offers a variety of quotes and coverage options from top-rated insurers so you can find an affordable plan that meets your needs. Whether you need liability, collision, or comprehensive insurance coverage, we have it all. It’s never been easier to save on car insurance than now!
Get started by entering your zip code and vehicle information in our quote form on this page. It only takes a few minutes to get a free quote! Once you receive your quote, just select the policy that best suits your needs and purchase online with ease.
Should You Get Cheap Car Insurance?
Car insurance is one of the major monthly expenses that you have to deal with if you are a licensed driver in almost every state in the United States. As a result, people often attempt to search for the best rates for car insurance. You have to keep in mind, ‘cheap’ car insurance is often not worth it for many different reasons.
The most important reason is you are more than likely getting a very small amount of coverage if you carry a cheap car insurance policy. You will usually get a much better car insurance policy if you pay a bit more. It is one thing to get an affordable car insurance rate with a reputable company, and another to get cheap car insurance that offers very limited coverage.
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How Do You Get Car Insurance?
To drive legally in the United States (all except two states), you must carry vehicle insurance. You can buy car insurance in several ways. You can:
- Visit an insurance agency in person
- Contact the insurance agent by phone
- Purchase your car insurance online
Be sure to purchase your car insurance from a licensed and reputable insurance agency that is permitted to sell insurance in your state of residence.
What Should You Know about High-Risk Auto Insurance?
High-risk auto insurance covers drivers that are considered high-risk and it is often far more expensive than standard auto insurance. If you have been convicted of DWI or DUI, convicted of a serious traffic violation other than DWI or DUI, or were part of an accident that caused injury, you may be considered a high-risk driver.
What Are Car Insurance Deductibles?
A deductible is an important part of any car insurance policy, so it is important to go over it. Simply put, a deductible is how much money you have to pay out of your own pocket prior to your costs getting paid on an insurance claim.
One example is if you are in a car accident that causes $4,000 of damage to your vehicle and you have a $500 deductible. In that case, you would have to pay the $500 deductible and the car insurance company would cover the remaining $3,500. Your auto insurance provider will cover damages as a result of an accident up to your policy’s limits.
Should You Get a Low Deductible or a High Deductible?
You should carefully consider whether to get a low or high deductible on your insurance policy. A higher deductible may seem like a good idea at first since it does decrease your auto insurance premiums. Also keep in mind that an accident can happen at any time and you will then have to pay your deductible before the insurance company covers the remaining damages.
This is one reason why a low deductible may be better as you are more likely to be able to pay it on the spot. Either way, take a look at your budget and see which option is best for you.
What Are The Minimum Car Insurance Requirements?
There are only two states in the United States that do not require you to have a minimum amount of car insurance. Those states are Virginia and New Hampshire.
If you live in any one of the other 48 states in the United States, you must maintain at least a minimum amount of car insurance coverage. This minimum amount varies from state to state.
In some states, the minimum amount of coverage is at least $50,000 for any liability in addition to property damage coverage of at least $25,000.
Since this amount is not the same for all states, you should check your state’s requirements for minimum car insurance coverage.