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About Auto Insurance |  |
- Your car - Your automobiles as listed on the policy.
- Your cars against collisions - Your car is covered against collisions it may have with any other object, no matter who caused it.
- Your cars against damage from almost anything else - Vandalism, theft, broken glass, storms, and falling objects.
- You, your passengers, and your car against uninsured or underinsured motorists - If you’re hit by someone who either doesn’t have insurance, or doesn’t have enough insurance to cover the accident, your loss is covered under your auto policy.
- Where you live - Where you live and drive your car has a significant impact on the cost of your insurance. This is because the frequency of things like vandalism and car theft, and the cost of things like car repairs and medical bills, vary enormously from one region to another.
- The
make and model of your car - The cost of insurance depends a
great deal on what type of car you drive, too. (It can be helpful to
bear this in mind when choosing a car, especially if you're on a tight
budget.)
Your driving record - Your insurance rates will be affected by any tickets you've received and violations of which you've been convicted over the past several years. - Your age - Statistically, younger drivers get in more accidents and tend to get more tickets.
My Kid's Away at College
If your son or daughter are away at prep school or college over 100 miles from home without a vehicle, you are eligible for a premium discount on your automobile premium. If your son or daughter have a car while at school you should strongly discourage the use of the car by roommates and friends. The liability regardless of the operator will fall back to your policy since it is registered to you.
