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Commonly Asked Questions About Car Insurance

Questions You May Have About Car Insurance

If you are curious about car insurance, you have come to the right place! Maybe you are looking to purchase a vehicle, or have questions on what comes next. Nickerson is here to answer commonly asked questions in regards to car insurance. Before we begin, it is important to define what car insurance is. Car insurance protects you from the unexpected, including accidents, theft, vandalism, and natural disasters. 

Do I Need Car Insurance?

Yes! It is required by law to invest in car insurance as it provides financial protection when an unforeseen event occurs. If you are involved in an accident and you are uninsured, you may be liable to pay for the other person’s vehicle damage, medical bills, suffering damages, and lost wages. 

How Much Does Car Insurance Cost?

The cost of car insurance is determined by a number of factors. Some of these factors include your age, the vehicle you will drive, your driving record, where you live, your credit score, previous insurance history, and annual mileage. 

How Long Does It Take to Receive a Quote?

Getting a free quote can take a matter of minutes and can be done online. At Nickerson, we will provide you with a free auto insurance quote in 5 minutes or less. We ask you to provide us with some basic personal information as well as information about your current policy and vehicle. 

How Long Does It Take to Be Insured?

There are three different ways you can apply for car insurance, which are online, by phone, and in-person. If you choose to apply online, it could take you about 20 minutes. Over the phone could take anywhere from 15-20 minutes. Meeting with an insurance agent at an office takes a bit longer, lasting anywhere from 45 minutes to an hour. This also can require a scheduled appointment. To ensure the process goes quickly, make sure to have the proper information on hand. 

What is a Car Insurance Deductible?

Your car insurance deductible is the money you pay toward getting repairs before your insurance coverage kicks in. A common deductible amount for drivers is around $500. 

Are There Different Types of Car Insurance Coverage?

Yes! The three main types include liability, comprehensive, and collision. Liability insurance protects helps pay for the other person’s expenses in the event of an accident. Comprehensive insurance covers your car if it’s stolen or damaged by things like falling objects. Collision insurance covers your car if you get into an accident or hit an object. 

Who is Covered Under My Car Insurance?

The people who are named in the insurance policy are covered. If a spouse or relative borrows the vehicle and is not on the insurance policy, they will still be covered. If the driver insured gives someone permission to drive their vehicle, that person is also covered by the policy. 

Can I Get a Discount?

Some insurance companies may offer discounts for things like being a safe driver, if you’re a student with good grades, have low mileage, are accident free, if you’re in the military, and more. 

Contact Nickerson Insurance

If you have more questions about car insurance coverage, contact the professionals at Nickerson Insurance Services, Inc. If you are interested in getting coverage, one of our knowledgeable agents will help walk you through the process as well as help you find the most cost-effective policy for your budget. Contact us today!

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