Insurers don't determine your actual cash value (ACV) settlement based on what you owe, but rather on what the car is worth just prior to the accident. Let's say you owe $20,000 on your new car, but it's only worth about $16,000. If your car is totaled, you might get a settlement check of $16,000 but still owe an additional $4,000 on your loan or lease.
Answer a few questions about you, your car, and any other drivers and we will have a customized quote in less than 3 minutes. You can also get a quote online or call 1-800-SAFEAUTO to talk to one of our knowledgeable expert representatives. Once you purchase a SafeAuto insurance policy, you’ll have immediate coverage and proof of insurance ready to hit the road.
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To get you as much experience of driving as possible, learner insurance is an excellent, flexible insurance option. Learner insurance is typically short-term insurance that will cover you for the time it takes until you pass your test. It is flexible to allow you to gather as much experience behind the wheel as possible, whether that is in your own car or the car of a friend, parent or relative.
Regardless of the state you live in, you must have liability auto insurance if you drive. Driving without liability insurance is against the law. There are many other insurance options above and beyond the basic liability policy, but if you're going to drive, you are required to carry a minimum amount of liability protection. Acceptance provides a wide range of affordable liability coverage to suit different drivers' needs, so we have a policy that will keep you covered.
For most drivers, male and female car insurance rates are very similar: women pay $740 for a 6-month policy compared to the $735 paid by male drivers, on average. For young drivers, however, it's a different story. Men under the age of 25 pay an average of 10% more per year for car insurance than do women in the same age bracket. We'll explore the reasoning behind this discrepancy and review some easy ways to save when shopping for your next policy.
As the parent or guardian of a young driver, you know it's essential to have good car insurance to protect them. Whether you're paying for it or they're working hard to foot the bill, it's a new expense for your family. Fortunately, you can find cheap car insurance for teens without breaking the bank. Here are the six ways to lower the cost of a young driver on your policy:
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Part of the reason behind this increase in likelihood of being involved in a collision is that men—on average—simply drive more than women. Additionally, men have also been shown to more frequently engage in risky driving behaviors like speeding and drunk driving. This is especially true for young drivers, with young male teenagers being twice as likely to be killed while driving than young ladies are. Due to these and other reasons, young women are less-often involved in car crashes than young men, and their insurance rates are adjusted accordingly.
Bodily injury coverage is the most important consideration when purchasing a liability policy. If you are responsible for an auto accident that leads to bodily injuries for the other party, it can become an ongoing expense that you will be responsible for. If you cause an accident that hurts someone in another vehicle, bodily injury coverage could help pay for related medical expenses and legal costs. Property damage liability coverage is also very important. Liability auto insurance should cover damage to the other party's vehicle in an accident for which you were at fault, plus any damage to property that was in the vehicle. Liability coverage may also apply to nearby dwellings and other property surrounding the scene of the collision. Contact Acceptance today to learn more and get the affordable liability coverage you need.