Are The Car Insurance Policies Hard To Understand?

Are The Car Insurance Policies Hard To Understand?

Auto Insurance

Understanding car insurance can be quite difficult. You must be familiar with the policies and everything that you can get from the insurance company before you purchase the best car insurance deal. Here are some of the most frequently asked questions regarding car insurance so you will be aided in choosing the right insurance policy for your vehicle. auto insurance

Is it necessary to get car insurance?

There are numerous reasons why auto insurance is essential. Each and every state has its own requirements regarding insurance coverage. A driver must make sure that he carries the proof of insurance when driving. Another reason is that you can be protected if you get involved in a road accident, legally and financially. More information about car insurance here @

What are the inclusions in insurance coverage?

More often than not, there are three main categories when it comes to insurance coverage. All of these are designed to help you and protect your vehicle. 
1. Medical coverage – the amount that will be paid for the treatment, funeral expenses, rehabilitation, and lost wage because of the accident will be covered by the insurance. 
2. Property coverage – expenses for the damage in your automobile or expenses in case of theft. 
3. Liability coverage – expenses for the property damage or injuries of the other party How would I know the essential coverage in my state? You can visit the website of the Insurance Information Institute or ask your state department. 

How would I know my car insurance rates?

Different factors affect the rate of your insurance such as your age, your vehicle’s manufacturing date, the model of the vehicle, the driving record, how you usually use the car, and the credit rating as well. 

Why are there no standard insurance rates?

It all depends on the insurance company’s experience in the business and how much they spend to offer this service to you. The car insurance rates are not governed by any law and vary from one company to another. 

Is it possible to have lower insurance rates?
Of course, it is! Here are some ways that would help you get a reduction in your insurance rates. 
1. Maintain a clean driving record. 
2. Compare quotes and policies. 
3. Don’t include unnecessary coverage. 
4. Enroll in driving training such as defensive driving which would give you a discount on your insurance rate upon completion. 

Is my vehicle still covered even if it’s not me who’s driving the car?

Yes, it is! The insurance rate protects your car in general, not just you. The car is still insured even if a family or a friend is driving the vehicle. 

Will my policy cover a rented car?

Most of the car insurance companies today are covering rented cars in the policy that you bought. However, it is a different case when you purchase insurance from the car rental company. 

In case of an accident, what should I do?

Make sure that you ask for a copy of the accident report. Don’t forget to ask the other party’s details and insurance information as well. Immediately call the company or your agent and ask what you should do about getting a claim. It would also help if you will provide a proof of the accident such as pictures from your cell phone or handy cam. Click on this link about Insurance information @

Now use what you’ve learned!
Now that you know the basics of car insurance, get up to five car insurance quotes to shop the best deal.

Falcon Insurance Services Inc.
6812 Bandera Rd #201,
San Antonio, TX 78238