{"id":691,"date":"2022-12-01T14:41:00","date_gmt":"2022-12-01T14:41:00","guid":{"rendered":"http:\/\/www.prontoinsurance.com\/blog\/?p=691"},"modified":"2022-12-01T15:12:02","modified_gmt":"2022-12-01T15:12:02","slug":"ten-facts-car-insurance","status":"publish","type":"post","link":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/ten-facts-car-insurance\/","title":{"rendered":"Learn More About Car Insurance With These Facts"},"content":{"rendered":"\n

If you or a family member has recently purchased a vehicle, chances are you\u2019re shopping around for an insurance policy<\/a> that best fits your needs. You\u2019re probably looking at the type of coverage you\u2019ll get. There are a few things you may not have considered regarding your new car policy.<\/p>\n\n\n\n

10 Facts About Car Insurance<\/h2>\n\n\n\n

Perhaps you already know some of these facts, but a review never hurts. Here are 10 things you should know about car insurance:<\/p>\n\n\n\n

1. Your Belongings May Not be Covered<\/h3>\n\n\n\n

When searching for insurance, you may be looking into whether or not companies will cover medical expenses or repair costs. Chances are they will, but will they cover the cost of valuables in your vehicle? While you may not be worried about this factor, it\u2019s important to understand every variable as you decide.<\/p>\n\n\n\n

2. It May be Cheaper to Pay a Lump Sum<\/h3>\n\n\n\n

If you\u2019re looking at insurance rates, it may appear as if a monthly payment is the way to go in terms of savings. However, there\u2019s a chance an insurance policy you\u2019re looking at is cheaper if you pay for six or 12 months up front! Discuss this option with your insurance agent if you\u2019re unsure about which option is best for you.<\/p>\n\n\n\n

3. Luxury is Expensive<\/h3>\n\n\n\n

While this statement seems obvious, it\u2019s especially true for luxury vehicle owners. In general, people who drive luxury cars tend to pay more for insurance than regular car owners. This is because it\u2019s way more expensive to repair high-end vehicles.<\/p>\n\n\n\n

4. The Meaning of \u201cNo-Fault\u201d Insurance<\/h3>\n\n\n\n

When you think of no-fault insurance, you\u2019ll likely assume it means that, if an accident happens and you were at fault, you\u2019re protected from being held accountable. Yet this is far from the case! No-fault insurance simply means that, if you are not at fault in an accident, your insurer will handle the case so that you don\u2019t have to personally go after your own compensation.<\/p>\n\n\n\n

5. Your Credit Score May Impact Your Premium<\/h3>\n\n\n\n

Did you know that your credit score may impact how much you pay for car insurance?<\/a> In some states, insurers can legally use your credit information to help determine your premiums. If you have a poor credit score, this could result in higher premiums. Conversely, if you have an excellent credit score, you may be rewarded with lower rates.<\/p>\n\n\n\n

6. DUI\u2019s and Accidents Stay On Your Record for up to 10 Years<\/h3>\n\n\n\n

If you\u2019ve been in an accident or received a DUI, these events will likely stay on your record for up to 10 years! As a result, your rates could increase significantly during this time. Make sure to shop around for quotes so that you can find the best deal possible.<\/p>\n\n\n\n

7. Insurance is Required in Most States<\/h3>\n\n\n\n

If you\u2019re caught driving without insurance, you could face some serious penalties. In most states, it\u2019s illegal to drive without car insurance. Some of the consequences you may face include having your license suspended, being fined, or even facing jail time. If you can\u2019t afford insurance, there are usually programs available that can help you get coverage.<\/p>\n\n\n\n

8. You May be Required to Have More Than One Policy<\/h3>\n\n\n\n

If you own multiple vehicles, chances are you\u2019ll need more than one insurance policy. For example, if you have a motorcycle and a car, you\u2019ll likely need two separate policies to cover each vehicle. Make sure to speak with your agent about the best way to insure all of your vehicles.<\/p>\n\n\n\n

9. Discounts are Available<\/h3>\n\n\n\n

If you\u2019re looking to save money on your car insurance, there are a few discounts you may be eligible for. Some insurers offer discounts for things like having a good driving record, being a student, or owning a home. Ask your agent if you\u2019re eligible for any discounts that could help lower your rates.<\/p>\n\n\n\n

10. You May Need Special Coverage for Classic Cars<\/h3>\n\n\n\n

If you own a classic car, you may need special coverage to insure it. This is because regular car insurance policies typically don\u2019t cover the full value of classic cars. Make sure to discuss your options with your agent to get the best coverage possible for your classic car.<\/p>\n\n\n\n

Find the Coverage You Need<\/h2>\n\n\n\n

Whether you\u2019re a new or seasoned driver, it\u2019s important to understand the ins and outs of car insurance. These 10 facts about car insurance in California<\/a> should help you become more informed about your coverage. <\/p>\n\n\n\n

If you have any questions, be sure to speak with your agent. And if you\u2019re looking for an car insurer<\/a> that offers great rates and excellent customer service, be sure to check out Pronto Insurance<\/strong>!<\/p>\n","protected":false},"excerpt":{"rendered":"

If you or a family member has recently purchased a vehicle, chances are you\u2019re shopping around for an insurance policy that best fits your needs. You\u2019re probably looking at the type of coverage you\u2019ll get. There are a few things you may not have considered regarding your new car policy. 10 Facts About Car Insurance … <\/p>\n

Continue reading “Learn More About Car Insurance With These Facts”<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":1394,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[26],"tags":[],"jetpack_featured_media_url":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/12\/shutterstock_1858848811-1-scaled.jpg","yoast_head":"\n10 Facts To Learn More About Car Insurance | Pronto Insurance<\/title>\n<meta name=\"description\" content=\"Whether you\u2019re a new or seasoned driver, it\u2019s important to understand the ins and outs of car insurance. These 10 facts will inform you about your coverage.\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<meta name=\"googlebot\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta name=\"bingbot\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/www.prontoinsurance.com\/blog\/ten-facts-car-insurance\/\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/#website\",\"url\":\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/\",\"name\":\"PRONTO Blog\",\"description\":\"It's our name and our promise.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/?s={search_term_string}\",\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"http:\/\/www.prontoinsurance.com\/blog\/ten-facts-car-insurance\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/12\/shutterstock_1858848811-1-scaled.jpg\",\"width\":2560,\"height\":1707,\"caption\":\"10 facts about car insurance\"},{\"@type\":\"WebPage\",\"@id\":\"http:\/\/www.prontoinsurance.com\/blog\/ten-facts-car-insurance\/#webpage\",\"url\":\"http:\/\/www.prontoinsurance.com\/blog\/ten-facts-car-insurance\/\",\"name\":\"10 Facts To Learn More About Car Insurance | Pronto Insurance\",\"isPartOf\":{\"@id\":\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"http:\/\/www.prontoinsurance.com\/blog\/ten-facts-car-insurance\/#primaryimage\"},\"datePublished\":\"2022-12-01T14:41:00+00:00\",\"dateModified\":\"2022-12-01T15:12:02+00:00\",\"author\":{\"@id\":\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/#\/schema\/person\/16d009c819b29c036f8b6d0f4527ad52\"},\"description\":\"Whether you\\u2019re a new or seasoned driver, it\\u2019s important to understand the ins and outs of car insurance. These 10 facts will inform you about your coverage.\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"http:\/\/www.prontoinsurance.com\/blog\/ten-facts-car-insurance\/\"]}]},{\"@type\":[\"Person\"],\"@id\":\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/#\/schema\/person\/16d009c819b29c036f8b6d0f4527ad52\",\"name\":\"Prontisimo\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/#personlogo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b58996c504c5638798eb6b511e6f49af?s=96&d=blank&r=g\",\"caption\":\"Prontisimo\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","_links":{"self":[{"href":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/691"}],"collection":[{"href":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=691"}],"version-history":[{"count":2,"href":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/691\/revisions"}],"predecessor-version":[{"id":1393,"href":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/691\/revisions\/1393"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/media\/1394"}],"wp:attachment":[{"href":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=691"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=691"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=691"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}