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What about additional drivers and additional vehicles? Some policies (especially comprehensive auto insurance policies) have protection for family members (household members) that drive your vehicles. But, this is not common. Adding additional vehicles is quite simple and will definitely affect your overall premium. Adding additional drivers, while also a simple task, could dramatically affect your policy based on the history of the additional driver. Contact us today and we will help you get this going. What auto insurance coverages follow the driver and what coverages follow the vehicle? You will need to double check with your agent and/or insurance carrier who will help you understand your policy and its exclusions, but, in general – Liability insurance follows the driver to any eligible vehicle driven by the insured. Comprehensive and Collision insurance however are related to the vehicle and follow the covered vehicle. But, many conditions apply, the most common of which is that the ‘loaned’ vehicle must have been driven with explicit permission from the person loaning (the primary insured) the vehicle. Exceptions apply, get in touch and we will help you understand your policy exceptions and coverages. To learn more from our experts in the Cape Girardeau, MO and surrounding areas, get in touch with us. Auto Insurance coverages explained Bodily-injury liability insurance is mandatory in all states. The exceptions or workarounds are - New Hampshire (personal responsibility requirement by owner/driver) Virginia (uninsured motorist fee) Mississippi (motorists can post bonds) So, at the very minimum all drivers must have bodily-injury liability insurance or some form of protection for damages to the drivers of the vehicles involved, their passengers and even pedestrians. Our auto insurance experts have helped many folks in the Cape Girardeau, MO and surrounding areas. Get in touch, we can help you too.

How to pay for your auto insurance policy? The policy normally is valid for 6 months, and renews every six months, although some policies are annual. You can change auto insurance at any time and get a pro-rated refund if due. Most carriers will give you multiple payment options – Monthly auto debit from your bank account. Pay by mail/check (includes a service fee) Quarterly or bi-monthly payments. What auto insurance coverages follow the driver and what coverages follow the vehicle? You will need to double check with your agent and/or insurance carrier who will help you understand your policy and its exclusions, but, in general – Liability insurance follows the driver to any eligible vehicle driven by the insured. Comprehensive and Collision insurance however are related to the vehicle and follow the covered vehicle. But, many conditions apply, the most common of which is that the ‘loaned’ vehicle must have been driven with explicit permission from the person loaning (the primary insured) the vehicle. Exceptions apply, get in touch and we will help you understand your policy exceptions and coverages. To learn more from our experts in the Long Beach, CA and surrounding areas, get in touch with us. What affects the price of auto insurance? Insured Driver and Additional drivers profile Age Driving history Credit profile Insured Automobile Type and age of vehicle Cost of vehicle Safety options on the vehicle (type of brakes, body construction, crash test data etc) Estimated miles expected to be driven Other Deductible Amount – the lower out of pocket deductible, the higher the insurance premium. Amount of coverage limits – higher the coverage limits, the higher the premium. Additional and supporting insurance policies – examples of policies that support an auto policy Personal Umbrella Health Insurance Accident Insurance Our auto insurance experts are helping individuals and families in the Long Beach, CA and surrounding areas, on a daily basis. Give us a call.

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