Skip the auto shop - Our mechanics make house calls

5 Essential Things to Know About Car Insurance

car insurance

Whether you have a brand new beauty or an older beast, you have to have car insurance if you plan to drive on the road. Before you run out and choose the cheapest option around, there are a few essential things you need to know so you don’t get burned later.

Consider the Danger of Minimums

Car insurance can be expensive, but beware before you simply choose the cheapest option. Cheaper rates are usually due to lower minimums, which could result in you having to pay out of pocket if your coverages won’t cover the entire cost of fixing the other vehicle. You’ll also need to check with your state to see what the minimum requirements are, and then go a bit higher.

Deductibles Matter

When you choose a higher deductible, you often lower your car insurance rates considerably. However, take a moment to consider your finances. If you’re in an accident, will you have $1,000 on hand that you can use to pay for the repairs until the deductible is met? Generally, most can’t afford to come out of pocket if there is an accident – so take a lower deductible to protect yourself even more later.

What Is Included

You will need to read available plans carefully to see what is covered. One major thing to consider is whether the insurance provides a loaner car. If not, you’ll be without wheels until yours is fixed if you don’t have any other vehicle. While most charge an additional fee for the service, it’s typically cheaper than renting a car on your own.

Lapses Can Cost You

If you’re shopping around, make sure you do it before your current car insurance runs out. Letting one policy lapse before you start another can cause your rates to increase. Additionally, it could cause some providers to deny you coverage as well.

Provider Cancellation

Your car insurance provider can cancel your policy or refuse to renew it at any time. If you lose your license, file too many claims or they discover you lied about something on the application, it’s the company’s choice to drop you. Make sure you’re truthful, and that you don’t try to take advantage of the system by filing repeated claims.

Car insurance is a requirement, but it also protects you and your assets if you’re ever in an accident. If you’ve been in an accident, even a minor one, contact YourMechanic for a safety inspection to make sure there aren’t any major issues.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details
Icon-warranty_badge-02

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

More related articles

How to Find the Keyless Code on a Ford Explorer or Mercury Mountaineer
Many Ford Explorers and Mercury Mountaineers were manufactured with an option known as the Ford keyless entry keypad. Some models refer to it as SecuriCode as well. It...
Veteran and Military Driver Laws and Benefits in Idaho
The state of Idaho offers a number of benefits and perks for those Americans who have either served in an Armed Forces branch in the...
P2159 OBD-II Trouble Code: Vehicle Speed Sensor B Range/Performance
Diagnostic Trouble Code (DTC): P2159 P2159 code definition Vehicle Speed Sensor B Range/Performance Related Trouble Codes: P2158: Vehicle Speed Sensor B P2160: Vehicle Speed Sensor B Circuit Low P2161:...


Related questions

Q: Can an accident cause the alignment to be off and the front left strut to leak even when only the body was damaged visually?

If the speed at time of impact was over 10 MPH and you jumped the curb, the alignment can easily be disturbed not to mention the possibility, indeed likelihood if the speed was high enough, of damage to the unibody...

Q: What is the weight capacity for my vehicle?

It’s very important to never exceed the weight capacity for your vehicle. Otherwise, your car may not operate correctly and could be an extreme safety hazard. The vehicle weight capacity can be located on the Tire and Loading Information Label....

Q: what would be the average cost to own my vehicle over a ten year period

Typical "lifecycle" vehicle ownership and operation costs, such as you are inquiring about, are calculated on a 5 year interval. Going out 10 years has too much inherent uncertainly in inflation projections, and the costs of fuel, insurance, and repairs....