Car Insurance Questions and Answers

Most drivers have lots of questions about car insurance. If you need auto insurance for the first time or want to change your insurance provider, it’s hard to know where to start. 

To help you begin the process of purchasing car insurance, here are some common car insurance questions and answers. For additional questions or to get a free quote, contact GoAuto Insurance. We pride ourselves on providing excellent customer service, and our team of car insurance experts is always available to answer any questions you have. 

How Much Auto Insurance Do I Need? 

The first question that most drivers ask is: “How much and what types of car insurance do I need?” The answer to this question varies from driver to driver. Each state has minimum car insurance requirements. In addition, most lenders have minimum insurance requirements. 

Most drivers need:

• Liability coverage, which covers other drivers’ damages in accidents where you’re at fault. 
• Collision coverage to pay for repairs to your vehicle after a crash. 
• Comprehensive coverage, which covers damage to your vehicle from events outside of your control – for example, hail or vandalism. 
• Bodily injury liability to help with the cost of bodily harm to you or other drivers. 
• Uninsured motorist coverage, which pays for expenses when another party is at fault but does not carry liability insurance. 

The best way to figure out exactly what coverage you need is to contact a car insurance professional. If you tell them the state where your car needs to be insured and provide them with any insurance requirements from your lender, they can help create a policy that gives you the coverage you need. 

How Do I Purchase Car Insurance? 

Purchasing car insurance is much easier and quicker than most drivers think. There are a few ways you can do it: 

• Use online tools to compare quotes.
• Contact an insurance agent. 
• Contact a car insurance company directly. 

While there are pros and cons to each strategy, we recommend contacting the insurance company directly. This is often the most affordable way to purchase insurance. Plus, dealing directly with your auto insurance company helps drivers to be better informed about their policy and coverage. 

How Long Does It Take to File a Claim? 

Filing a claim is generally a straightforward process. Most car insurance companies allow drivers to file a claim online or over the phone. You can often file a car insurance claim in minutes using your phone. 

How long it takes to process a claim depends on the specific details of your claim. Several factors impact how long it takes for an auto insurance claim to be processed, including: 

• The number of parties involved in the accident
• Whether or not fault is disputed
• Whether or not there is shared responsibility for the accident 
• The extent of the property damage
• The type and severity of injuries 

Are Discounts Available to Some Drivers? 

Many car insurance companies offer discounts to drivers in certain situations. Sometimes companies will offer these discounts, but often they’ll wait for customers to ask. Whenever you’re shopping for car insurance, you should ask about available discounts. 

Insurance companies frequently offer discounts for new customers. In addition, ask about discounts for: 

• Multiple vehicles 
• Good students
• Safe driving
• Members of the military 
• Low mileage drivers
• Loyalty 

It’s a good habit to ask about available discounts when purchasing car insurance and when your policy renews each year. 

What Is a Deductible? 

A car insurance deductible is the amount policyholders pay out of pocket for a claim. For each auto insurance claim, the policyholder will pay the full amount of the deductible and the insurance company will pay the rest. 

For example, if your deductible is $500 and your car needs $5,000 worth of repairs after an accident, you would pay $500 and your insurance company would pay $4,500. 

Deductibles typically range from $1,000 to $2,000. Drivers can choose to lower annual insurance costs by having a higher deductible. 

Contact GoAuto Insurance With Additional Questions

If you have other car insurance questions, contact GoAuto Insurance. Our team of experts works directly with customers to ensure drivers get the insurance coverage they need. 

Call today to get answers to your car insurance questions.