Auto Insurance Guide

Auto Insurance Resources:
A Comprehensive Guide to Car Insurance

Understanding your auto insurance needs can be challenging. This resource hub brings together helpful articles on topics like coverage types, common insurance terms, and costs. Whether you’re looking for ways to lower your premium or just want to learn the basics, these resources can help.

Terms to know:

Agent

An agent represents an insurance company (or companies) and sells insurance to and performs services for policyholders.

Claim

When an insured person asks their insurance company to cover a loss, it’s called a claim.

Deductible

This is the predetermined amount the policyholder will pay for repairs before insurance coverage kicks in.

Exclusion

Exclusions are things that aren’t covered by an auto insurance policy.

Premium

A premium is the amount a person pays for auto insurance. Premiums may be paid monthly, quarterly, twice a year, or annually.

Total Loss or ‘Totaled’

If a car is severely damaged, the insurer may determine that it is a total loss. That usually means the car is so badly damaged that it either can’t be safely repaired or its market value is less than the price of putting it back together.

Learn more: When Is a Car Considered Totaled in an Accident?

Uninsured Motorist Coverage

Uninsured motorist motorist coverage protects drivers and their passengers who are involved in an accident with a motorist who has no insurance.

Learn more: What Is Uninsured Motorist Coverage?

Auto Insurance Basics

Auto Insurance can be confusing, but understanding the basics can help. These articles cover key topics like how to get car insurance, how much insurance you may need, and how it works to give you a solid foundation.