General Insurance

What can I expect to pay for first time car insurance?

Waiting until you're 30 will not really impact your rate. The bigger rating factor will be your lack of insurance history.

Compare auto insurance rates and save up to $670 per year!

Location pin icon
Most Recent

Coverage & Claims

The person I hit wants me to pay out of pocket for damage

There's a couple of things to think about here. Let's break it down below:   First, most insurance companies require you to report all accidents, even when a claim is not filed.

Eligibility

Am I legally required to list my son on my car insurance policy?

Most car insurance companies like to know everyone who is of driving age and has a license to be either listed on the policy or excluded. To them, it's simply peace of mind so they're aware of all the risks presented to them.

Car Insurance Costs

Why is my insurance $200 a month?

There are a few things to look at here. First, your at-fault accident.

Coverage & Claims
General Insurance

What do I do if I can't afford to pay for damages to my vehicle?

There's a couple of different ways to look at this. If you're not leasing the vehicle, if the vehicle is drivable, and there wasn't any property damage to the pole you struck, you do not have to file a claim if you don't want to.

General Insurance

If I mostly use Lyft or Uber, do I still need car insurance?

Renting and borrowing a vehicle sound similar, but the way the insurance coverage works for both situations is different. Let's take a look:   Renting - If you have an auto policy that includes comprehensive and collision coverage, that policy will normally extend to cover a rental vehicle as well.

Coverage & Claims

Can I file a claim for a stolen car if my son gave his friend permission to drive my vehicle?

You will need to report the vehicle stolen before you are able to file a claim with your insurance provider. From there, your insurance company should handle the remainder of the claim if you have comprehensive coverage.

Car Insurance Costs
General Insurance

Is there an age limit for a good student discount?

There is no way to say for sure outside of asking your specific insurance company. Most insurance providers that offer good student discounts have stipulations that may make you ineligible due to your age or the fact that you aren't covered on your parent's policy.

Coverage & Claims

Should I file a claim or pay out of pocket?

Our new State of Insurance data release shows that an At-Fault accident in Colorado will increase rates by roughly 38% annually. Also consider the fact that accidents affect your rate for three years from the date of the occurrence. If a 38% increase to your rate over 3 years is more than $1100 then you might want to consider paying for the damage out of your own pocket.
Icon-Agent
Ask an Agent

Get free insurance advice you can trust.

Ask a Question