{"id":1822,"date":"2024-03-01T05:45:13","date_gmt":"2024-03-01T05:45:13","guid":{"rendered":"https:\/\/www.acceptanceinsurance.com\/?page_id=1822"},"modified":"2025-03-06T19:27:20","modified_gmt":"2025-03-06T19:27:20","slug":"auto-insurance","status":"publish","type":"page","link":"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/","title":{"rendered":"Car Insurance"},"content":{"rendered":"
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Get Low-Cost Auto Insurance Rates to Fit Your Budget<\/h2>\n
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Most drivers feel they pay too much for their insurance coverage, whether that\u2019s home, car or some other type. It may feel like you are paying a large part of your income every month for something you are not even sure you really need or can afford. When it comes to your automobile policy, the truth is you really cannot afford to go without it, since the consequences of driving uninsured may prove highly expensive, whether that\u2019s through tangling with the law in your state or by being at fault in a crash.<\/p>\n

Many people feel they drive too safely to ever be involved in or cause a crash. The fact is, you could easily hydroplane into someone else on a rainy day. Or be momentarily distracted by something and rear-end the driver in front. It happens. Since every state requires some form of auto coverage (or the ability to pay for any damages you cause out of pocket), finding cheap car insurance<\/a> that still protects you and your finances is the goal.<\/p>\n <\/div>\n \n\n

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That\u2019s where Acceptance comes in. Our local agents are pros at making sure you at least meet your state\u2019s minimum requirements within your budget. If you need or want additional protection, we can do that, too.<\/p>\n <\/div>\n \n\n\n

What Is Car Insurance?<\/h2>\n
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Car insurance protects your finances if you are involved in a covered event, such as a collision. A policy is a contract between you and an insurance carrier. You pay a provider an agreed-upon amount on a regular basis and, in return, you have financial coverage when an emergency happens. With insurance, you pay your provider so you can drive with peace of mind and know that your vehicle will be covered in the event of an accident.<\/p>\n

All states require minimum liability<\/a> coverage or the ability to prove you can pay for injuries and damages out of pocket. If your vehicle is leased or financed, you will be required to carry full coverage auto coverage. Full coverage consists of liability, plus comprehensive and collision. Keep reading to learn more about these types of auto insurance.<\/p>\n <\/div>\n \n\n \n \n \"\"\n

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Car Insurance FAQs<\/h2>\n
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Get answers to the most common insurance questions.<\/p>\n <\/div>\n <\/div>\n <\/a>\n \n\n

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How Do Auto Insurance Quotes Work?<\/h2>\n
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Once signed, your auto insurance quote is a contract between you and your carrier. This document spells out how the insurer will provide financial coverage if you are involved in a covered event, as outlined in your policy. Read your policy carefully and ask your friendly neighborhood agent to explain anything you do not understand.<\/p>\n

You should make sure you are clear about how much your premiums will be, how often they are due (every six months, month-to-month or for some other agreed upon time), what is excluded and how much your insurer will payout in the event of an approved claim.<\/p>\n

Some forms of coverage include a deductible. Keep reading to learn more about how deductibles work and how you can use your deductible to increase or decrease your premium, as well as answer some common questions about auto insurance<\/a>.<\/p>\n <\/div>\n <\/div>\n

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How to Read Insurance Coverage Requirements<\/h3>\n

When you purchase your policy, you\u2019ll be asked how much you want to have as minimum coverage. On your policy, this will be represented as a string of 2 or 3 numbers, such as 100\/300\/50. This is the maximum amount your insurer will pay out in the event of an approved claim. These numbers represent:<\/p>\n