Auto & Car Insurance Options

Auto or car insurance is a type of insurance purchased by a car owner that ensures financial protection in the event of a covered accident, loss, or theft. This type of insurance can help protect the car owner from bodily injury, property damage, and other liabilities during an accident or claim. There is the option to get insurance for just liability or also physical damage coverage to the car known as comprehensive and collision coverages.

No, there is no difference between auto vs car insurance.

In most states you need insurance to register a car. The only states where you do not need insurance to register a car currently are New Hampshire, North Dakota, Mississippi, Tennessee, Wisconsin, and Washington.

Auto insurance only covers theft if you have selected to purchase the Comprehensive coverage option for physical damage on your policy for that specific car. This is a vehicle level coverage option and not a liability policy level coverage option so be sure to choose it for each car that you wish.

Comprehensive auto insurance typically provides coverage for vehicle theft, vandalism, malicious mischief, fire, weather (such as hail), and damages caused by animals (ex: squirrel chewing the wires under the hood or hitting a deer).

Yes, it is possible to get auto insurance without a license, though it can be difficult and is subject to each carrier's underwriting guidelines.

An auto insurance deductible is a predetermined amount of money the insured pays out of pocket when a claim is filed after a covered comprehensive or collision loss (such as an accident or theft).

Auto insurance can be tax-deductible for certain people, like self-employed people who use their vehicle for business.

Yes, hail damage is covered by the comprehensive coverage option on an auto insurance policy and must be selected for each insured car.

An auto insurance premium is the predetermined amount the insured pays to uphold their insurance coverage. This can be broken down into weekly, monthly, bi-annual, or annual payments. Monthly and bi-annual payments are the most common payment types, although some companies offer a nice discount for the pay in full payment option.

Windshield replacement is covered under the comprehensive coverage option on an auto policy and must be chosen for each specific car. It is subject to your chosen comprehensive deductible which is why most people choose a lower comprehensive deductible such as $100, $250, or $0 aka 'full glass'.

Cracked windshields are covered under the comprehensive coverage option on your auto policy and you must choose that coverage option for each car. Cracked Windshields are typically subject to the comprehensive deductible you have chosen for that car. However, some companies will offer to waive the deductible with a heat seal option. This means that if the crack is small enough (usually it must be smaller than a dollar bill), they will try to heat seal the crack and if it's successful may waive your deductible and repair it for free. If the crack is already too large, they will have to replace the windshield altogether and your deductible will apply. Also, if they try to heat seal it but it's already too big and doesn't work then the deductible will usually apply.