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    Certain age groups have fewer accidents. Having a child or other driver who is under 25 as the principal driver on a car will generally greatly increase the premiums on that car. Drivers over 75 may also have hig
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    The annual cost of your auto insurance policy is influenced by many factors. A policy with a very low premium may not carry all the coverage you need. A policy with a very high premium may be stuffed with extras you don’t need. Understanding a few basic auto insurance terms may help you decided which types of auto insurance are best for your particular needs.

    Usage

    The way you use your car may have a great impact on the premium you pay. Some companies offer significant discounts to car owners who don’t commute on a daily basis. Be sure to let your insurer know if you take mass transit to work or carpool. If you drive a considerable number of miles for work or pleasure your premium may be higher.

    Principal driver

    The principal driver is the person who has control of the car the majority of the time. Certain age groups have fewer accidents. Having a child or other driver who is under 25 as the principal driver on a car will generally greatly increase the premiums on that car. Drivers over 75 may also have high

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    you don’t need. Understanding a few basic auto insurance terms may help you decided which types of auto insurance are best for your particular needs.

    Usage

    The way you use your car may have a great impact on the premium you pay. Some companies offer significant discounts to car owners who don’t commute on a daily basis. Be sure to let your insurer know if you take mass transit to work or carpool. If you drive a considerable number of miles for work or pleasure your premium may be higher.

    Principal driver

    The principal driver is the person who has control of the car the majority of the time. Certain age groups have fewer accidents. Having a child or other driver who is under 25 as the principal driver on a car will generally greatly increase the premiums on that car. Drivers over 75 may also have hig

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    reat impact on the premium you pay. Some companies offer significant discounts to car owners who don’t commute on a daily basis. Be sure to let your insurer know if you take mass transit to work or carpool. If you drive a considerable number of miles for work or pleasure your premium may be higher.

    Principal driver

    The principal driver is the person who has control of the car the majority of the time. Certain age groups have fewer accidents. Having a child or other driver who is under 25 as the principal driver on a car will generally greatly increase the premiums on that car. Drivers over 75 may also have hig

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    u drive a considerable number of miles for work or pleasure your premium may be higher.

    Principal driver

    The principal driver is the person who has control of the car the majority of the time. Certain age groups have fewer accidents. Having a child or other driver who is under 25 as the principal driver on a car will generally greatly increase the premiums on that car. Drivers over 75 may also have hig

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    Certain age groups have fewer accidents. Having a child or other driver who is under 25 as the principal driver on a car will generally greatly increase the premiums on that car. Drivers over 75 may also have higher premiums. If the principal driver has multiple violations or accidents the premium will reflect those occurrences. Try to list a person from the most accident free age group and with the best driving record as the principal driver.

    Deductible

    The deductible is the amount which you will pay toward the expenses of an accident. Deductibles are per accident. If you have a $1,000 deductible and have two accidents in a year you will pay a $1,000 deductible for each accident. If your vehicle is totaled the payment you receive will be less your deductible.

    Collision coverage

    Collision coverage is the insurance for a car when it hits or is hit by another car. This is considered minimum coverage and is required by most states.

    Liability insurance

    Liability insurance is another part of mi

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