FAQs

Your car insurance deductible is the amount you pay out of pocket when you file a claim. For example, if you have a $500 deductible and a $3,000 claim, you pay $500, and your insurer covers the remaining $2,500. Choosing a higher deductible usually lowers your premium, while a lower deductible raises it. If damage costs less than your deductible, you'll cover the total amount yourself. Always review your policy for specific details.

Yes, car insurance rates may increase after a car accident or traffic violation. Generally, at-fault accidents and serious traffic violations like DUI could lead to rate changes. However, not-at-fault accidents or minor violations might not impact your rates significantly, especially with certain insurers that offer accident forgiveness or more lenient policies. It’s a good idea to review your policy or consult your insurer for specific details.

No, the color of your car typically does not affect your insurance rates. Insurers generally do not take the color of a vehicle into account when calculating premiums. Instead, they focus on factors like the car's make, model, age, safety features, your driving history, and location.

Several factors can influence your car insurance rates, including:

• Driving Record: A clean driving history can lead to lower rates, while accidents or traffic violations may increase them.
• Vehicle Type: The make, model, age, and safety features of your car can impact costs.
• Location: Where you live affects your rates; areas with higher crime or accident rates often have higher premiums.
• Demographics: Age, gender, marital status, and credit history can all play a role.
• Coverage Options: The level of coverage you choose impacts your premium.
• Insurance History: Continuous coverage may result in discounts.

"Full coverage" is a common term used, especially by dealerships, to suggest that a vehicle is covered with Comprehensive and Collision. However, it’s important to clarify that there is no standardized definition of "full coverage" in the insurance industry. This term doesn't guarantee complete coverage for all potential issues.

Yes, auto insurance policies typically cover windshield replacement, but certain conditions apply.

• Comprehensive Coverage: Comprehensive insurance is required for windshield damage to be covered by your insurer. This coverage typically addresses damage caused by non-collision incidents, such as rocks or debris.
• No Deductible: Florida law mandates that insurers cover windshield repairs or replacements without a deductible. This means that you can have your windshield repaired or replaced at no out-of-pocket cost if you have comprehensive coverage.

Always check your specific policy and consult with your insurance provider for any additional details regarding coverage for windshield replacement.

Liability insurance protects you financially if you cause injury or damage to others in an accident. It includes:

• Bodily Injury Liability: Covers medical expenses and damages for injured individuals.
• Property Damage Liability: Covers costs related to damage to another person's property.

Yes, your insurance premium may decrease over time due to factors such as:

• Claims History: If you maintain a clean driving record without accidents or claims, insurers may reward you with lower rates.
• Loyalty Discounts: Some insurance companies offer discounts for long-term customers who renew their policies.
• Age and Experience: As you gain more driving experience and get older, you may be viewed as a lower risk, potentially lowering your premium.
• Vehicle Value: As your car ages and its value decreases, you might pay less for coverage, especially for collision or comprehensive insurance.

However, premiums can also increase due to other factors, such as changes in risk assessments, local laws, or broader insurance market trends. It's always a good idea to review your policy periodically to ensure you have the most competitive rates available.