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Why Do You Need Car Insurance?
Having car insurance is required by law in most states. If you are at fault in a car accident, the auto liability coverage required on your car insurance policy helps pay for covered losses, such as the other party's medical bills and damage to their vehicle or other property that results from the accident. It also helps pay your legal fees, if you're taken to court over the accident.
According to the National Highway Traffic Safety Administration (NHTSA), there were 6,264,000 auto accidents in the US in 2015. Those accidents resulted in 35,092 fatalities and 2,443,000 injuries. Property damage occurred in 4,548,000 of accidents.
Those statistics represent the cumulative driving experience of 210 million licensed drivers in the US. That means that there’s about a 3 percent chance you’ll get into an accident of some kind in any given year. That may seem low, but if you do get into an accident and you don’t have insurance, the consequences can be overwhelming and even financially devastating.
CAR INSURANCE CAN HELP PROTECT YOU FROM THE COST OF REPAIRS
Even if you own your vehicle outright, you may want to have collision coverage and comprehensive coverage on your car insurance policy. While mandatory liability coverage helps pay for damage to another driver's vehicle, it's important to have coverage for your own vehicle. For example, what if your car is damaged in a hailstorm? Comprehensive coverage may help pay for repairs or replacement if your car is stolen or damaged by something other than a collision, such as falling objects or fire.
Or, say you accidentally hit a mailbox and damaged your car's front bumper. Collision coverage may help pay to repair your car if you hit another object or vehicle, regardless of fault.
Without comprehensive or collision coverage, you would have to use your own money to get your car fixed.
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Are you aware that qualified drivers could save money by comparing insurance carriers? In addition, if you live in certain zip codes, you could get extremely low rates with some providers. You may be able to insure your vehicle for as low as $36/month.
Frequently Asked Questions
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How much Auto insurance do I need?
Almost all states require a driver to carry a minimum amount of liability insurance and also provide proof of insurance to register a vehicle or renew your driver’s license. In the case of an accident, the minimum liability auto insurance required by the state may not be enough coverage to pay for the damages that result after an accident. In this case, the driver responsible for the accident may have to pay additional expenses out of pocket. To determine how much auto insurance you need, consider: The value of your assets, how and when you drive, what you drive and who is in the car with you.
For a long time, there was no easy way to compare carriers. You had to check one site, then jump to another and enter all of your information all over again. Drivers were stuck doing all the work to save money. Now, all that is changing. Thanks to Auto Insurance Companion, the information you need to compare carriers can be found in one place. Auto Insurance Companion is not an insurer, but a comparison shopping marketplace that can help connect you to different carriers. It’s really no wonder that with so many drivers saving money, things are gaining momentum. US Auto Insurance Online is an efficient source that tries to give consumers the easiest comparison service possible. Just imagine what you could do with the money you save!
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Why should I purchase commercial auto insurance?
Personal auto insurance policies exclude coverage if a vehicle is used for business. A commercial auto policy provides coverage for autos owned by a business if these vehicles are in an accident. The insurance pays to repair or replace the vehicle and the vehicle of the third party damaged by the employee. It also pays for the medical expenses of those injured in an accident.
Answer:
As a self-employed independent contractor you are improperly insured if you insure your vehicle with a Personal Auto Policy. If your insurance broker or insurance carrier discovered that you are using your vehicle for business purposes two things may happen:
1.They might cancel your current policy immediately due to the fact that you did not disclose this information on your application (accusing you of fraud) or
2.They could deny a claim if you were in an accident while contracting under a personal auto policy, leaving you and your vehicle, unprotected and therefore being vulnerable to legal action and financial loss.
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How can I compare auto insurance quotes?
Looking for auto insurance quotes can be confusing. When you get an auto insurance quote from auto insurance companion, we will guide you every step of the way to help you choose the amount of auto insurance that you determine to best fit your needs. Auto Insurance Companion can also compare rates with other top companies in just minutes to see who is offering the best price.
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What is Combined Single Limit coverage?
Bodily Injury (per person and accident) and Property Damage are combined in one single amount of coverage.
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What is an Additional Insured (AI)?
A person or an organization, other than the named insured or covered person, who is protected under the named insured's auto policy, is called an additional insured. If an auto is leased, the leasing company may want to be listed as an Additional Insured as well as a lien holder or loss payee. This is important to the AI due to the fact they could be named in a lawsuit. As an AI your policy would pay to defend them as a result of your negligence to perform a duty instead of them having to pay an attorney to defend a lawsuit.
Not only does this protect an AI if named in a lawsuit for an accident caused by a policyholder but, also gives them notification of any policy changes or cancelation.
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What is a Certificate of Insurance?
A Certificate is a document that provides proof of coverage, showing the type of insurance provided, limits of liability, dates of coverage, and the name of the Insurance carrier providing coverage. In other words a printed certificate that states the essential provisions of your coverage, often required by customers who want proof you have insurance. Typically, a Certificate is all that’s required by any State agencies.
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Will my Auto or General Liability Insurance Policy cover the work operation of a Tillerman (Steerable Trailer)?
This issue has been discussed with many insurance companies and they all have said that they will not provide coverage for you acting as a “Tillerman”and will not consider providing coverage for you operating as a “Tillerman”because you as a Pilot/Escort do not own the vehicle nor do you have any control over any maintenance;also, you do not have the ability stop or start the vehicle so the liability and risk is too great. It is also illegal to act as a Tillerman and Pilot car on a load.
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Why should I use Auto Insurance Companion?
Auto Insurance Companion was created because car insurance companies are competing for your business. Auto Insurance Companion wants to help you find the best rate. When you do a free car insurance quote comparison, it’s easy to save up to 40%. We believe that You Deserve Better Rates, so we make switching car insurance companies simple and pain free. Auto Insurance Companion makes it easy for you to get an auto insurance policy by offering 3 ways to obtain an auto insurance quote. Call us directly, use our web tool, or email us.
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What our clients say
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“I found their website to be very easy to use. They were very helpful and very efficient in starting my policy. The woman I worked with online was very helpful and patient in helping me submit all the necessary paper work.”
–IAN SHEPHERD
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“I have had a lapse in coverage due to non-payment, but that was not a problem. All I had to do was make my payment to re-instate. It was that easy, hassle-free. It was all done with their automated service. I called the next day and talked with a live person to confirm transitions.”
–HENNEKE DUISTERMAAT
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“We have been with this company for quite some time and even if we look to change we can never seem to get any better for either cost or service. So we stay with them. We did have a claim and they were very good, I would recommend them to everyone.”
–THERESA DELGADO
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“Great customer service. Fortnightly payment option and a lower excess with same coverage as other insurers and at a cost being 2/3's (two thirds) of the cost.”
–BETSY TALBOT
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“I like my car insurer as they've always been straight with me and walked me through options I've not fully understood (the illness I now have gives me cognitive issues on occasion and other times I'm ok), so the ladies (usually ladies) walk me through until I get it. Those ones are a great asset for the company and that's why I'm happy to shout out for them.”
–CHRISTIE HALMICK
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“Pilot is a reputable company which has been working with insurance for many years. We have been customers with them for a long time and in the past when we have made a claim, the whole process has gone through without any problems whatsoever. Their prices for insurance are very competitive and their service is exemplary. ”
–PAUL CUNNINGHAM
Get A Quote.
Are you aware that qualified drivers could save money by comparing insurance carriers? In addition, if you live in certain zip codes, you could get extremely low rates with some providers. You may be able to insure your vehicle for as low as $19/month.