Car Insurance 101

April 2017
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We’ve all been there: pretending we know the answers to “obvious” questions. Its ok, car insurance isn’t always straightforward. And unfortunately, there is no “how to be an insurance genius” course in high school. We at Atchley & Associates are available to help you navigate the car insurance maze. So in keeping with #carcaremonth, here’s our Car Insurance 101.

A few common questions we come across with their straightforward answers.

Q: What is “full coverage car insurance”?

A: Full coverage refers to a car insurance policy that combines liability, comprehensive and collision coverage.

  • Liability: Covers bodily injury and property damages to others in an accident you cause.
  • Comprehensive: Covers non-accident related issues/damage, including vandalism and theft.
  • Collision: Covers damages to your vehicle if you’re in an accident.

Q: These prices are killing me! What’s the best way to save on car insurance policies?

A: First of all, your best plan is to shop around for the best rate! While you’re at it, consider bundling a couple of policies together for even better deals. Better yet, call Atchley & Associates Insurance Services: We can help you with all of your car insurance needs by comparing your needs with multiple insurance providers, saving you time, aggravation, and money.

Q: Ok, I’ll bite. What does “bundling” mean?

A: Bundling: purchasing at least two policies (car, home, etc) from the same company.

Q: Another driver rear-ended my car. He says I slammed on my brakes and caused the accident. Who’s really at fault?

A: Drivers are expected to maintain a safe following distance from the car in front of them. If you slammed on your brakes for a legitimate reason, and the driver rear-ended you, he will most likely be found to be at fault, and his car insurance will pay out.

Q: When do teen drivers have to be added to car insurance?

A: Lucky for you, California only requires car insurance once your teen is driving alone in the car. Keep in mind that the state requires minimum levels of 15/30/5 for all drivers. So call your agent today to ask how to keep your family rates as low as possible.

Q: Can I buy car insurance in one state even though I live in another?

A: Sorry, that’s just not an option. Always purchase your car insurance from a licensed provider in your state, aka wherever you vehicle is “garaged.”

Q: I let my friend borrow my car and he crashed it. Whose insurance is responsible?

A: Sorry again! You’re the owner, therefore your car insurance is responsible for paying out.

Q: Are there any discounts available to offset the cost of car insurance?

A: Absolutely! Every provider is going to offer different options for drivers, so be sure to talk with your individual agent, but common discounts to look for include: maintaining a clean-driving record, having certain safety-features on your vehicle, and good grade discounts (typically for drivers 25 and under).

*Information comes from various sources, including California DMV, AAA, 89.3 KPCC, and CaliforniaCarAccidentsRights.Com

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