FAQ

The Personal Auto Policy (Pap) provides the following coverages:

Auto Liability Coverage which protects insureds against claims for Bodily Injury and Property Damage
Auto Medical Payments Coverage which pays reasonable medical expenses
Insured family members and other persons occupying an insured car
Uninsured Motorists Coverage protects insureds hit by uninsured drivers, hit and run drivers, and drivers insured by insolvent insurers
Auto Physical Damage Coverage covers physical damage to the insured cars. Collision coverage includes upset and impact with another object
Other Than Collision (aka comprehensive) coverage covers damage from non-excluded perils other than collision.

How to get cheap car insurance?

Getting the right auto insurance policy for your needs is one of the most crucial financial decisions you will make. Most of us end up paying a hefty monthly premium. Finding cheap car insurance helps you save big but this can be a time-consuming process too. We can help you find a cheap auto insurance quote from top providers in the industry. Call us and get cheap car insurance quotes.

Can I drive a car without insurance?

Having a car insurance can help you from the financial burden that may happen after a car accident. Typically, car insurance covers your liability for injuries, damages caused by car accidents, or due to any other events (like theft or damage due to fire) with additional protection. Getting involved in a car accident without car insurance is a difficult situation. For an at-fault accident, the driver will be responsible for the damages caused which can be a financial burden for drivers without car insurance.

In the United States, it is illegal to drive without auto insurance. There are severe penalties if you are caught on roads without an active car insurance policy. The punishments include license suspension or high penalty tickets.

Can you purchase auto insurance online?

Most auto insurance companies provide prospective customers with the option to purchase car insurance policies online through their official websites. Policy buyers can also shop through certain trusted third-party insurance websites. Shopping auto insurance online is more convenient, quick and cost-effective. You choose tailored auto insurance plans at a lower rates when compared to other channels.

What makes car insurance expensive?

Auto insurance rates depend on several factors like the coverage you are looking for, the state where you reside, state-wise insurance laws and regulations, the car model, age, gender and driving history. Though insurance companies are not explicitly mentioning these factors, they use these factors to determine your car insurance rates.

Should I pay my car insurance in full or monthly?

Insurance companies try to help their customers by offering various auto insurance premium payment methods and payment plans. The payments can be made annually, semi-annually, quarterly, monthly or two months down with a 5-pay plan. The customer can choose the best payment plan according to their convenience.

Worst states for drivers with bad credit

The worst states for drivers with bad credit are Michigan, New Jersey, Arizona, Texas and Utah.

How to check your driving record and why it's important

To check your driving record, visit the respective state licensing department’s official website. Different states name it differently (for example in Washington, its Department of licensing whereas, in Ohio, it’s the Bureau of Motor Vehicles. Your state DMV adds points to driving record based on your driving. These points will determine how risky you are and your auto insurance rates vary with points. Any wrong information in the driving history can increase your car insurance rates.

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Disclaimer: callautoinsurancenow.com is not an insurance company. We have a large network of licensed insurance agents across the US. Once you have submitted your information to our system, callautoinsurancenow.com may instantly match you with local agents in your area. Those agents will run free insurance quotes for you and provide those quotes via the information you have provided. This process may save you time and money because you can compare rates from multiple companies without having to contact numerous agents and provide your information several times.

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