Many factors affect your car insurance rates.

What factors affect your car insurance rates?

Okay, we understand that thinking about your car insurance rates is probably not very pleasant. In fact, it could be stressful. While insurance isn’t most people’s idea of “fun,” it’s important to understand the fundamentals. When it comes to your auto insurance, it’s helpful to understand what factors affect car insurance rates.

Yes, that big, scary number on your bill might seem completely random, but it’s anything but. Insurers don’t really do “random.” Everything is calculated. So, to give you some inside intel about how an insurance company sets car insurance rates, check out the following factors that can impact your car insurance premiums.

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July 28th is National Insurance Awareness Day

July 28th is National Insurance Awareness Day

July 28th is a very important day in the insurance world – and it’s one that we encourage you to observe! It’s National Insurance Awareness Day. Okay, okay, we get that insurance might not be the most exciting thing in the entire world. You might wonder why you should care about a day devoted to insurance of all things. While the Fourth of July might be a tad bit more exciting, that doesn’t mean National Insurance Awareness Day should be overlooked.

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If your car insurance lapses, you're basically driving without insurance.

What happens if my car insurance lapses?

Things happen. Sometimes we accidentally forget to pay the car insurance bill. We might have a tough month financially and just not be able to cover the bill. Whatever the reason is, the car insurance bill didn’t get paid and your auto insurance has lapsed. The question you’ve got now is what do I do if my car insurance lapses? What could happen? We’ll explain what you need to do and what the potential consequences could be.

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The Hands-Free Georgia Act is soon to go into effect.

Hands-Free Georgia Act to go into effect on July 1st

July 1st is going to be a big day for the state of Georgia. It’s the day that the Hands-Free Georgia Act (which bans the use of handheld cellphones while driving) will go into effect. Georgia is the sixteenth state to pass a hands-free driving law. The states that have passed such legislation have done so in an attempt to reduce traffic fatalities due to distracted driving. Distracted driving has gained a lot of attention because traffic-related accidents and deaths have increased over the past few years, and cell phones have been a major factor in that trend.

While many other states have passed hands-free driving laws, the legislation is now coming to Georgia. We’ll explain which states have hands-free laws, the reasoning behind the new legislation, and break down what is and is now allowed under the Hands-Free Georgia Act.

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The police need to be alerted about car theft.

What should I do if my car is stolen?

So there you are, ready to head back to your car after running some errands. You walk back to where you’re absolutely positive you left your ride. But there’s one problem – your car is not there. It’s just…gone. The last time you checked your car is not self-driving, so you feel an awful sense of dread as you begin to suspect that your car has been stolen and you’re the victim of car theft. Your main question is…now what?

There are a few things you need to do if your car is stolen. Take a look at the following steps.

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If your car is stolen, you should be covered if your car is stolen.

Will car insurance cover me if my car is stolen?

There’s an important question you have to ask yourself when you’re thinking about your car insurance. What do you want your insurance to cover if something happens to your vehicle? (For example, if you’re in a car accident. If a tree falls on your car. If your car is stolen.) Chances are you’d want it to cover everything – especially theft, which is a huge loss since your car is kind of…gone. So that begs another question:  will car insurance cover you if your car is stolen?

It’s a good question. We’ll explain when car insurance covers theft and how to make sure you’re covered.

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It's important to be prepared for anything on your road trip.

12 tips so you can have the best road trip ever this summer

Now that summer’s here, you might be planning on going on a road trip with the family. Whether you’re visiting relatives or exploring a new city and playing tourist, road trips can always turn into a bit of an adventure – perhaps more of an adventure than you were bargaining for. Road trips can be tons of fun, but if something goes wrong the fun can evaporate before you can say, “flat tire.” Check out the following road trip tips so that you can have the best road trip ever this summer.

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You can get gap insurance to cover the difference between the balance on your loan and the value of your car.

What is gap insurance and do I need it for my new car?

Buying a new car is exciting. It’s easy to spend hours daydreaming about make, model, and accessories. And of course, there’s that new car smell. But there’s an important catch when you buy a new vehicle – the value depreciates the second you leave the dealer’s lot. It’s an unfortunate reality that all car owners have to face. But it’s a reality that can be managed with a type of car insurance called gap insurance.

Wondering what that is? Great – we’re going to explain what gap insurance is and whether or not you actually need it.

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When you're buying a new car, you will most likely have to show the dealer proof of insurance for it before driving away.

6 things you need to know about insurance when you’re buying a car

The long-awaited day has arrived: you’re finally going to get a car. You’re ready to hit the road in your new wheels. But then you remember something that slipped through the cracks in the flurry of test drives, online research, and decisions about paint color, make, and model: you’re going to need car insurance for your new ride. Thing is, you have your heart set on going to the dealership and getting the car ASAP. But the thought of the insurance is still weighing on you.

Well, we’ve got six things you need to know about insurance when you’re buying a car so you’ll be ready to drive away from the dealership with the coverage you need.

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A car insurance myth is that car insurance for women can cost less than insurance for men.

Does car insurance for women really cost less than car insurance for men?

There are many car insurance myths that are full of bologna, but there is one that actually holds a little bit of truth (well, depending on the circumstances.) Have you ever heard that there’s a difference between the rates women pay for car insurance and the rates men pay for car insurance? Maybe you’ve wondered if that’s actually accurate. Maybe you’ve doubted that such a thing could be.

But here’s the truth of the matter:

Car insurance for women is often less expensive than car insurance for men.

There is a good amount of reasoning behind it – it’s not an arbitrary trend (because nothing in insurance is arbitrary.) And note that we say often. It’s not a rule that’s true for everyone everywhere. We’ll explain why car insurance for women might cost less than car insurance for men, and we’ll explain how you can get lower car insurance rates regardless of your gender.

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