How much do you really know about insurance? Here are some things you may not realize.
•Any personal items you may lose due to vehicle theft are not covered by your auto insurance policy. Your homeowner policy covers these items instead. If you keep expensive items in your vehicle such as laptop or a GPS device, you should carry a rider to cover those expensive items. You should also have photographs of those items.
•Statistically married drivers have fewer accidents and as such get the married discount due to lower risk.
•Your credit rating can affect your premiums as much as a past ticket or accident.
•In an accident the registered owner of the car is the responsible party not necessarily the driver. So be sure to transfer you ownership titles immediately upon selling your vehicle.
•The state of California has the most auto thefts. Where you live greatly affects your premiums.
•Shopping around often is not the best option if you have poor credit, you would do better establishing a good payment history with your current carrier.
•Texas has the highest average for Hailstorms, costing 924 million dollars per year.
•In fatal crashes, failing to stay in a designated lane or running off the road caused the most deaths.
•The leading cause of death for ages 15 to 20 is motor vehicle collisions.
•Rear end crashes are the most prevalent of auto accidents. ... See MoreSee Less
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