Family Car Insurance

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Things to know...
  • Insuring all of your family’s drivers and vehicles under one policy may qualify you for substantial savings on your premium
  • Multiple factors regarding each insured driver and vehicle will be reviewed to determine rates
  • You may be able to take advantage of great opportunities to save money on your family car insurance in different ways

Buying car insurance is one of the best steps that you can take to reduce financial liability and exposure to related expenses.

All drivers in your family and their vehicles should be properly insured, and many families bundle their coverage for all drivers and vehicles into a single policy.

By doing so, they may save a considerable amount of money on their premium and reduce the hassle associated paying different bills each month.

Comparing rates from various providers is a smart idea each time your family auto insurance policy renews. Comparison shopping is also beneficial to do when you add or remove drivers or vehicles from your policy.

By shopping for new rates from time to time, you may identify potential savings available through some providers.

Start comparison shopping today for better and more affordable auto insurance by entering your ZIP code above!

Determining How Much Coverage You Need

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Before you can shop around and request quotes for car insurance online, you need to determine how much coverage you need.

A great starting point to make this determination is to review your state’s coverage requirements as well as your auto lender’s requirements. Remember that your coverage types and limits can be adjusted per vehicle or per driver in most cases.

The most common type of coverage purchased is liability coverage, because most states require their drivers to have liability coverage at all times.

A liability auto policy pays for any damages or expenses you cause to other parties on the road, but it will not pay for your own vehicle repairs, medical bills, and more.

Many drivers also purchase collision or comprehensive insurance, which pays for the insured’s expenses in the event of an auto theft, collision, or other similar incidents.

Remember that you can also adjust your coverage limit for each type of insurance you purchase. While buying a minimal amount of auto coverage will keep your premium as low as possible, being underinsured when you file a claim can result in you having to pay a small fortune for out-of-pocket expenses.

Because your policy insures multiple drivers and vehicles, the risk associated with being underinsured on a family policy can be magnified in some cases.

— Shopping for Low Insurance Rates

After you have determined how much coverage you want to buy, you can then begin shopping for cheaper rates. Before you reach out to providers to request online quotes, consider learning more about their reputation and financial strength.

These factors are easy to research online and can help you to make a more educated decision about which provider to buy coverage from.

Understanding How Insurance Rates Are Calculated

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As you compare different insurance rates provided by a few of the top companies that you reach out to, you may be surprised to see how different some of the premiums are.

Each insurance company usually reviews the same factors when calculating rates, which include:

  • Your gender
  • Your age
  • Vehicle details, etc.

However, each company looks at these factors differently, which may make one insurance quote much more affordable than another one even when all factors are held constant. For example, some providers may have much higher rates for teen drivers than others.

With this in mind, you can see that comparing multiple quotes is necessary if you want to find the best rate possible.

Drivers can save $859/yr* by comparing car insurance

*based on a survey of 1,000 car insurance customers

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– Finding Ways to Lower Your Car Insurance Rates

Some drivers may make an impulsive buying decision after reviewing a couple of auto insurance quotes. However, if you want to save as much money on your coverage as possible, look for a strategic way to reduce your premium.

Increasing your deductible is one possible option to consider. You may be able to request a deductible increase at any time, and this will directly reduce your auto insurance premium.

Another idea is to learn about the providers’ insurance discounts. Many of these discounts are driver-specific or vehicle-specific, so your policy may qualify for numerous discounts when you insure your family’s drivers and vehicles under one policy.

A few of the more common types of discounts to look for when requesting insurance quotes online include:

  • A good student discount
  • A teen driver or senior driver discount
  • A discount for safety features in the car
  • A low mileage discount

Encouraging Your Family to Drive Safely

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If you are adding a new driver to your coverage or getting coverage on a new vehicle, you may be facing a higher premium amount than you anticipated.

Your family’s driving record will play a major role in your insurance rates for years to come.

Therefore, it is wise to encourage each driver to follow great safety tips on the road, such as:

  • Always wearing a safety belt
  • Avoiding driving when weather conditions or road conditions are not favorable
  • Avoiding driving while upset or emotional
  • Curbing distracted driving behaviors and habits
  • Following all posted traffic and road signs
  • Always driving the speed limit or at a lower speed when driving conditions are not ideal

– Reviewing Special Safety Tips for Teen Drivers

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A family insurance policy is commonly purchased when a teenager is licensed to drive a vehicle. Teens, unfortunately, have some of the highest insurance rates, because they may have no established driving record and they are statistically more likely to be involved in an accident.

These tips can help your teen to benefit from lower insurance rates:

  • Sign your child up for a driver’s education or safety course
  • Choose a safe vehicle to insure
  • Practice good driving habits
  • Encourage your teen to avoid drinking and drug use
  • Limit the number of passengers in the car

Family car insurance is a true convenience for many families, because it simplifies financial management and insurance coverage management.

Many families can also save a small fortune on coverage by bundling multiple drivers or vehicles together under a single policy. However, other factors also affect the cost of insurance.

When you focus on these tips, you can more easily set up an affordable policy that your family can benefit from.

Looking for affordable coverage for you and your family? Enter your ZIP code below and start comparison shopping today!

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