Car Insurance: 4 Misunderstandings Explained

Getting your car insurance explained is never easy given the record of personal service most insurance companies have. There are a few universal misunderstandings you can clear up without knowing the specifics of your policy, however.

  1. You need car insurance. The laws of all 50 states require you carry a level of car insurance in order to register and drive a car. Driving without insurance will subject you to fines, penalties and even jail time in some cases.

  2. The cheapest option isn't always best. While it is important to be aware of your deductibles, limits and premiums, it is also important to feel comfortable with your car insurer. You will benefit from working with a company that has a solid reputation for customer service. Car insurance claims are much higher than home insurance claims; chances are, you will deal with your insurer at least once a year.

  3. You can get insurance online. Most traditional insurance companies have easy quote navigation and insurance contracts accessible online. Online options make it easy for you to shop and compare car insurance in as little as 30 minutes. 

  4. Bundling insurance pays off. Many insurance companies that provide rental or home insurance have lines to cover your car. You do not have to use a specific "car insurance" company to get great coverage.



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