Frequently Asked Questions

Auto insurance coverage varies based on numerous factors such as additional drivers on your policy, how much you pay on your deductible, or the type of vehicle you drive.

Yes, in the United States, it is mandatory to have basic auto coverage in order to legally drive in the country. This minimum protection typically covers property damage and bodily injuries in an accident.

To find the best affordable car insurance, you need to reach out to various companies or search online to get a quote so you can compare rates. Make sure you ask if you are eligible for any discounts.

If you prefer to save time? Speak with one of our Freeway agents at 877-405-7102 and we can comparison shop for you.

Absolutely! Many companies offer discounts based on certain qualifications. These can include having a clean driving record, completing advanced driving courses, being a member of specific clubs affiliated with the insurance company, or being retired. Additionally, if the provider offers other insurance products, bundling your auto insurance with homeowners or life insurance could also result in a lower premium. We recommend contacting our agents to inquire about the discounts that allow you to obtain cheap car insurance.

Full coverage is the combination of liability, collision and comprehensive insurance. It’s important to note that not every single incident or situation is covered. To ensure you have the right coverage, we recommend reading through your insurance policy and reaching out to an insurance agent for any necessary adjustments.

Typically, you have the option to choose the start date of your auto insurance coverage. This can be either immediate or on a future date. However, note that retroactively starting your coverage from a prior date is not available.

Insurance policies active for over 60 days (about 2 months) are not eligible for cancellation by insurers. However, there are a few exceptions to this rule, such as non-payment of premiums, fraudulent

misrepresentation on the application, or if your driver’s license was suspended or revoked at the time of an accident. While the policy itself may not be canceled, filing multiple or significant claims during the coverage period may result in the insurance company choosing not to renew your policy once it expires.

Remain calm and, if possible, move your vehicle to a safe area. Assess yourself, your passengers, and other parties involved in the accident for injuries. If there are any injuries, dial 911 for emergency assistance. Otherwise, contact the police to report the accident and gather all necessary information for your auto insurance provider.

If your car is stolen and your auto insurance policy covers theft, inform your insurance provider immediately after filing a police report. There may be a waiting period outlined in your policy in case your car is recovered by the police. If your vehicle is not found within that time frame, your insurer will compensate you for its current market value. However, if your car is located during the waiting period and incurs damages, your insurance company will assist with the repair costs if they exceed your deductible.

If you are driving someone else’s vehicle, in most cases, the auto insurance coverage follows the car. If an accident occurs, the owner’s insurance will typically be used to cover the damage. However, if the car owner is uninsured or lacks sufficient insurance coverage, your own car insurance policy will step in to make up the shortfall. Specific guidelines may vary between insurance companies.

Yes, car insurance premiums are determined by several factors, including the safety rating of your vehicle and the accessibility and affordability of its parts and services in the event of a claim. Vehicles that can be repaired or replaced at a lower cost and have a lower risk of theft or unsafe driving tend to qualify for lower rates on cheap car insurance policies.

At Acceptance Insurance, you can get a free quote online, by visiting our friendly local offices, or by calling us at 877-405-7102. We are committed to providing you with the outstanding care and protection you deserve. We can help you get the best cheap car insurance plans available.