What are some car insurance coverage details people often overlook?

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Mar 13, 2020

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When it comes to comparing your car insurance options, the car insurance coverage details are extremely important to look into. There are some very common areas that are overlooked when it comes to coverage, but these are extremely important. Many of these areas could lead to you getting discounts but could also mean that you do not get the coverage that you specifically need. Get started now by entering in your ZIP code into our FREE car insurance search tool!

Uninsured Driver Coverage

The top of the list is the uninsured or under-insured coverage that is available. With the growing number of drivers without insurance on the road, it makes it more important that you are protected in case one hits you; if you are not, then you will need to pay out all of the damages or spend money fighting the battle in court and hoping their asset costs cover your costs. Insure yourself against this risk by checking out our FREE car insurance quote generator!

Even if you do not get hit by a driver and use the cover, it is often best to have it for that “just in case moment”. You never know what will happen in the future and it is best to take your insurance premium up by a little each month instead of forking out thousands if the accident does occur.

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Protecting Those in Your Vehicle

Getting the minimum coverage required by your state usually covers if a third party is hit; however, it does not cover the costs of injuries that those in your vehicle sustain. This is something that you need to look into to help protect your assets, just in case you are involved in an accident that is your fault. Your passengers will be able to take you to court to cover the cost of their medical bills if you were at fault of an accident and do not have the cover to help them.

Protecting Your Assets

You may be looking for the cheapest car insurance, which will mean opting for the minimum levels. However, this may not cover all of the costs that you need to pay out. It is very important to look into the details of all bodily injury insurance and liability insurance to help you protect the loss of your assets.

If you have a new and expensive car, you will usually find that the minimum amounts of liability costs will not cover the cost of the car. If someone is injured in an accident that is your fault needs more than your insurance pays out, you will end up being taken to court and will lose your assets to cover the cost. However, if you have an old car that is not worth very much, the minimum state requirements may be more than enough – which will mean that you do not lose out on anything.

Do Other Insurance Policies Cover You?

You may not need to take out every different type of insurance available from the company that you choose. This is a common mistake because many people forget about their other insurance policies.

It is worth checking what your other coverage is able to help towards, such as your own medical bills; you may find that you double up on insurance if you take it out through your car insurance company.Another mistake is when it comes to breakdown cover. While many auto insurance providers will offer some type of breakdown, whether it is roadside or mechanical, you may not actually need it.

The first thing to consider is whether you are already a member of a roadside assistance firm and the second thing is whether your vehicle warranty is still in date. The last thing you want to do is pay double because you have not checked your other documents first of all.

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The Deductible

The deductible is the amount that you need to pay out first when it comes to vehicles needing fixing and is something that many people look over. You may not want to pay a lot of money in the event of an accident, but it could help you save hundreds on your car insurance – and you can always create a savings account where you put money into it to help cover that deductible.

Insurance companies are willing to offer lower premium rates when you increase your deductible. This is because they are able to pay out less in the event of an accident – so you save them money! However, you will also need to consider the cost of your car. A new and expensive car will benefit from a higher deductible; however, an old car may be worth less than the deductible.

The Discounts Available

Many insurance companies will offer discounts. Some will ask that you put a device in your car that checks how safe a driver you are, which could help to lower your premiums the next year; other companies will offer discounts based on age, the amount you drive and even school report cards.

Searching for discounts is often something that is overlooked when comparing insurance companies, because many people do not realize that they exist; and companies do not need to offer them unless you ask about them.

what are some car insurance coverage details

Take your time to find out about the types of discounts from the companies. Just a simple phone call will help you with this and the customer service representative will be able to check your details to see if you qualify.

You could find that you get a discount for gaining Bs or higher in your schooling or you could gain a discount because you only drive the car during the day. It is always worth asking; you will not get anything if you do not ask for it.

Temporary Car Insurance

Not everybody needs to get a full year’s car insurance. You may find that you only need cover for a 28 day period. Temporary car insurance policies are sometimes overlooked because people do not realize that they exist. It is worth talking to your insurance company about this if you find that you only need cover for a short amount of time – such as a day when you move home or a month when you look after a friend’s car.

There are many different areas that people commonly overlook when it comes to coverage on their car and discounts that they can get. However, these areas are extremely important. They will often affect the price that you pay for your premiums but some of that is in a good way.

Comparing insurance purely by price is not always something that you can do. The problem with comparing by price is that you will overlook the areas that could save you money – or could help you get the cover that you really require. Save money now by putting in your ZIP code and receive FREE car insurance quotes! You will also need to consider the age of your car and its value while comparing types of insurance; you may find that the age of your car is not worth the extra types of insurance when it comes to the value.

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