Auto insurance rate challenge

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It’s a good idea to review your car insurance situation each year. During times of rapid change like the one that we are living in now, it’s so easy to put your auto insurance on auto-pilot. Every company uses different criteria to determine rates. Select from the choices below.

Auto insurance basics 101, understanding your personal auto insurance coverage.

Personal Auto Liability Insurance Coverage

Liability insurance pays when you cause an accident and damage and injuries another party in your automobile. 49 states require you to carry at least a minimum level of bodily injury and property damage liability coverage. The coverage limits are expressed as three numbers. For example,Limits of 50/100/50, would provide up to $50,000 bodily injured, up to a max $100,000 of coverage for bodily injuries per accident and $50,000 for property damage per accident. Remember, liability insurance doesn't pay to repair or replace your car or to treat your injuries, or your passenger’s injuries.

Personal Auto - Personal Injury Protection (PIP) Insurance Coverage

Personal injury protection (PIP) or medical payments (Med Pay) coverage pays the medical bills for you and your passengers after a car accident, regardless of who caused the accident, it is often called “no-fault” coverage. PIP also covers lost wages and funeral costs. Some states require you to buy PIP or Med Pay.

Personal Auto Uninsured Motorist & Underinsured Motorist (BI & PD) Insurance Coverage

Uninsured motorist (UM) and underinsured motorist (UIM) comes to the rescue if you’re hit by a driver who has no insurance or not enough coverage. UM pays your medical bills if you’re injured in an accident caused by an uninsured driver. UIM kicks in if your medical expenses exceed the other driver’s liability coverage limits. UM and UIM are required in some states, but not all.

Uninsured motorist property damage (UMPD) covers your car if an uninsured driver hits you, but the coverage isn’t available in every state. Roughly one in eight drivers is uninsured, according to a 2014 Insurance Research Council report.

Personal Auto Collison Insurance Coverage

Collision coverage pays if your car is damaged or destroyed in an accident, it typically pays to repair or replace your car after a crash. It’s an optional form of coverage, although your car-loan lender might require you to have it. Collision coverage will kick in if you hit a tree, bridge or stationary object. Any collision payment by your insurance company will be reduced by the amount of your collision deductible.

Personal Auto Comprehensive Insurance Coverage

Comprehensive pay to repair or replace your auto if it is stolen or damaged by natural disaster or in an accident, regardless of who is at fault. ... With Comprehensive coverage, your insurance company pays for damage to your auto caused by an event other than a collision, such as fire, theft, flooding or vandalism.Comprehensive does not cover any damage as a result of a collision. Any comprehensive claim payment by your insurance company will be reduced by the amount of your deductible.

Personal Auto Rental Reimbursement

Rental reimbursement pays for a rental car while your automobile is in the shop being repaired from a covered accident.

Non-Owner Car Insurance

Non-owner car insurance is a simple, affordable solution if you don’t owner a vehicle and you plan to borrow your friend's car from time to time. We recommend non-owners auto insurance for anyone who doesn’t own a vehicle. The non-owner car insurance policy provides liability coverage for drivers without cars, it typical will include bodily Injury Liability and Property Damage Liability. It provides protection to your assets after an accident for which you were at fault.


Depending on your state where you live not all personal auto insurance policy are the same, there are different personal auto insurance policy available.

Name Driver auto insurance Policy An automobile insurance policy that provides coverage only for drivers specifically named on the policy; WARNING, it does not provide auto insurance coverage for other individuals residing in a named insured's household or excluded on the policy information declaration page.

The surest way to know if a diver is covered is to view your policy information page for list name drivers, or excluded drivers, call your agent and add that driver to your auto insurance policy, now you are certain that should a loss occur with a specific driver behind the wheel of a covered auto, coverage will be afforded up to the limits of your policy

There are instances where an unlisted driver may be covered while operating an insured vehicle on your personal auto policy. An example would be a non-resident of the household to whom you give permission to drive a covered auto. As long as their usage cannot be construed as “regular and customary”, then coverage may apply, make sure the person you give permission to drive is not an exclude list driver on your policy or live in the household, and have a valid driver’s license.

You may pay lesser premium for a Name Driver Auto Insurance policy, but it may cost you more if an excluded or non-listed household member is operating your vehicle.