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Do I need gap insurance if I have full coverage?

Thanks for reaching out to The Zebra! Let's dive into your question and provide some clarity.First, whether or not you need gap insurance depends on a few factors: whether or not the car is brand new, how much of a downpayment you put down, how well it holds its value, and whether or not gap insurance is a requirement for your specific loan or lease (check the loan contract).The difference between gap insurance and full coverage insurance is:Full coverage insurance combines liability, collision, and comprehensive coverages to provide extensive protection for the policyholder in case of accidents, theft, or damagesGap insurance is meant to cover the difference between what your standard insurance policy would pay out in the event of a claim (market value of the vehicle), versus what you actually owe on the vehicle. Let's look at an example of when this would come into play, even if you already have full coverage.According to Kelley Blue Book, new cars lose about 20% of their value within the first year and can depreciate as much as 60% in the first five years.
Mar 22, 2023 Detroit, MI

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How can I get cheaper insurance after a reckless driving charge?

Thank you for reaching out to The Zebra. This is a great question, and I'm sure the high rate is getting frustrating after almost three years.
Mar 13, 2023 Central, SC

Can my bank charge me for car insurance?

Thank you for reaching out to The Zebra. This is an excellent question! When you finance a vehicle through a credit union or bank, they will require you to carry state minimum coverages, as well as comprehensive and collision coverage, on your vehicle.
Mar 6, 2023 Detroit, MI

What is the difference between personal property and building property?

Greetings!Thank you for reaching out to The Zebra. This is a great question that can go in a few different directions.
Mar 6, 2023 Chicago, IL

Will I get dropped by my insurance company for two totaled cars?

Thank you for reaching out to The Zebra! I'm sorry to hear about your recent accidents. Making claims can be complicated, so I understand your concern.
Feb 27, 2023 Dillon, CO

Can an insurance company force me to be added to a policy?

Thanks for reaching out to The Zebra. It is normal for insurance companies to require anyone in the household (of driving age) to be listed on a policy, "just in case." Even if you don't ever plan on driving their cars, insurers know that things come up and there is always a small chance.
Feb 6, 2023 Denver, CO

Will a claim on a shared policy affect rates for my other policy?

Thank you for reaching out to The Zebra about this situation. Insurance can get quite confusing, especially with multiple cars and policies.Anytime you file a claim, it is reported between insurance companies.
Feb 6, 2023 Bridgeport, CT

How can I find the trim designation and VIN number on a car?

Great question!Trim and VIN locations can be hard to find with the wide variety of cars and trucks we have today. Even when you find it, it's not always easy to interpret.

Does the address on my driver's license have to match the address on my insurance?

Thank you for reaching out to The Zebra!Great question. The short answer: yes, your insurance policy, your driver's license as well as your vehicle registration should all have the same (current) address.
Jan 30, 2023 Burkburnett, TX

Can my wife get a car insurance policy when both our names are on the title?

Thank you for reaching out to The Zebra!Car insurance can be very confusing, especially when it comes to who is listed on the title and who needs to be listed on the policy. In insurance we want all registered owners of the vehicle to be rated, listed, or excluded on the policy.
Jan 23, 2023 Concord, CA

How can I get more liability insurance?

Thank you for reaching out to The Zebra! This is an excellent question. There are very few carriers in the state of Florida that will write that high of liability coverage.
Jan 23, 2023 Miramar, FL
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