Auto Insurance Articles

SmartFinancial is here to offer advice and assistance on any of your tough insurance questions.

Auto Insurance

7 Tips on What to Do After a Car Accident

Whether it is a minor car accident or if it is a major collision with both cars totaled, you need to take some action. If it is your fault, you might be struck with panic and think that running away from the situation is the best thing to do. Don’t do it. You need to stay at the scene of the car accident.

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7 Tips for Defensive Driving

Driving defensively isn’t about driving slower than the speed limit. In fact, if you drive slower than the speed limit, you may get a ticket because you can cause accidents by resisting the flow of traffic. The idea behind defensive driving is to prevent an accident before it happens. Share our safe driving tips with younger drivers when you can. As easy as they seem, these pointers can save lives.

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Pros and Cons of Online Insurance Platforms

As we become increasingly reliant on digital technologies, consumer experience will revolve around convenience even more. This includes insurance companies, which are hopping on the train with online platforms, appealing to the convenience factor. You can now access multiple car insurance quotes online!

Auto Insurance

Who Is Covered by My Car Insurance?

Often, the people in your household will affect your car insurance rate if they are not excluded so check your policy jacket and declaration page to make sure you are clear before you hand over the keys. Excluded individuals will not be covered by your car insurance if they have an accident.

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Does My Education Affect My Car Insurance Rate?

In short, if education is to your favor, use it to your advantage. If it works against you, make sure it’s not a factor in determining your risk. It may take a little more footwork, but if you’re working with a company like Smartfinancial, shopping for an insurance agent is easy.

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Will My Credit Affect My Car Insurance Rate?

Your credit score is a number that falls between 500 and 900, to determine how stable you are financially, if you pay your bills on-time and if you’ve overextended your credit line. Most insurance companies use credit scores to determine risk. According to their complex algorithms, there seems to be a correlation between low credit rates and the likelihood of filing a claim.

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6 Smart Ways to Choose the Right Auto Insurance Deductible

Keep in mind that you can change your deductible amount at any time. If you’re not sure what it is or if you chose an amount that you know you won’t be able to pay today (or even next month if you plan to start saving for your emergency fund today), you may want to lower that amount and instead pay a few more dollars in premiums each month.

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10 Ways to Get Cheap Insurance for Young Drivers

Young drivers, you have a couple of things in common with one another: You are inexperienced and therefore more expensive to insure. Cheap car insurance for young drivers is almost an oxymoron. It’s not impossible to find cheap car insurance for new drivers, but it’s not easy. We know how to do it.

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Do I Need Rental Car Insurance?

You’ve made it through winter and are already looking to your spring or summer vacation. As always, you dread the airport, baggage claim and the car rental company. You never are sure if you need to buy the additional insurance they offer or if your personal auto insurance will apply. Or is it the credit card that supplies the insurance? So confusing!

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How Being Honest Gets You the Best Car Insurance Rate

The number of people lying on their applications is shocking, but what’s even more surprising are the consequences that people face after giving a false answer or by omitting a truth they assume will raise their premiums.

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What Is Personal Injury Protection (PIP)?

The states where personal injury protection is required are called no-fault states. While you may not be required to carry personal injury protection (PIP) outside of these states, you should be aware of it and consider adding it to your coverage package. In the event of a car accident, PIP covers medical expenses and work loss for you and your passengers, regardless of who is at fault. Standard liability insurance will not cover these situations.

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10 Frequently Asked Questions About Driving for Uber or Lyft

There is a gap in coverage between waiting for payment and turning off the app when you're driving for Uber or Lyft. If another car hits you while you’re idling, it’s an out-of-pocket expense because you’re not covered by either insurance. That’s where rideshare insurance comes in.

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What Determines Car Insurance Rates

Most insurance companies sign far fewer high-risk clients than those who are statistically less prone to find themselves in an accident. One way to keep everything balanced is to price high-risk drivers at higher rates.

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Car Warranty vs Car Insurance: What’s the Difference?

Car warranties and car insurance are different in that they serve different purposes. Car insurance is intended to cover a loss. Warranties cover maintenance and breakdowns.

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Teens and Driving, an Expensive and Risky Combination

There’s no denying that teens have the highest insurance rates around. The following are some FAQs about how a teen affects your car insurance rate and how you can get your teen on the road, cheaply, safely and legally.

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Should I Buy Gap Insurance? What Is it, Anyway?

Your car’s value is based on Kelley Blue Book numbers, which may surprise you. In fact, you may find out that you have what’s called “an upside-down loan” on your car.

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Do I Need Collision Insurance?

Always think about worst-case scenarios when making insurance decisions. Only you know what you can and cannot afford to do if you cannot use your car any more.

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Do I Need Comprehensive Insurance?

Clearly, collision insurance covers a car wreck of some sort, but what’s the real definition of comprehensive insurance when the word “comprehensive” cannot possibly mean that it covers everything?

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Can You Add an RV to Your Auto Insurance?

Most agents will try to sell you specialty RV insurance but are you required by law to have it?

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17 Ways to Lower an Auto Insurance Rate

Many factors are pushing rates over the roof, but that doesn’t mean that you can’t try to lower your auto insurance premiums today.

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Breaking News: Gender No Longer to Determine Auto Insurance Rates

California just joined six other states in banning gender as a factor in determining car insurance rates.

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How Much Does it Cost to Own a Car?

The average car owner keeps a car for about 10 years. So, what does that mean for the average cost of owning a car?

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Manual vs Automatic: What You Need to Know Before You Buy

The Manual vs Automatic debate has been raging ever since cars with automatic transmissions were created. Here are the pros and cons of both.

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Car Insurance Calculator: See How Much You Can Save

Use this calculator to see to see what discounts you might be eligible for and how much you could save with going with a different carrier.

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How Much Insurance Do You Need?

Ever wonder how much car insurance you actually need in your state?

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DUI calculator: How a Night Out Drinking Affects Your Blood Alcohol Level

See how a night of drinking affects your blood alcohol level and how that compares to the legal limits in your state.

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Three Secrets to Finding the Best Auto Insurance

Follow these 3 simple steps to find the best coverage and insurance rate for yourself and your family.

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20 Reasons to Get a New Auto Insurance Quote

There are numerous factors that can impact your auto insurance rate.

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Car Insurance Statistics & How to Save in Your State

What you need to know before you compare rates.

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11 Mistakes People Make When Shopping for Auto Insurance

When we shop for insurance, we should take our time and make sure that we are making the best possible decision.

Auto Insurance

12 Things You Can do to Lower Your Auto Insurance Premium

Drivers assume that there is nothing they can do to lower their insurance premium, this is not true.

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10 Auto Insurance Tips for Parents of Young Drivers

What your young driver does, while driving your car, has a direct impact on what you pay for your insurance.

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