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Tips for smart drivers and families

Pointers to keep you and your family safe and insured behind the wheel.
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Avoiding auto theft

Don't become another victim of auto theft. Protect your car and your investment by following these suggestions.

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Buyer beware of post-hurricane vehicles

You can probably find a great deal on a used vehicle, if you don't mind that it's been through a hurricane or other flood-related disaster.

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Buying a safe car

Buyers look for a number of factors when shopping for a new vehicle. But safety should never be overlooked when comparing vehicles.

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Insurance rates for teen drivers

Insuring your teen can be expensive. Keep in mind these ways to control costs-and protect your son or daughter.

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Keep your teen safe on the road

Make sure your children are driving safe, reliable vehicles. Here are some tips for picking a safe vehicle for your child:

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Motorcycle safety tips

Here are a few simple precautions to help protect you and your bike.

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Responsible parents help keep teen drivers safe

Driving and insurance experts agree: parents can play a big role in helping their teens stay safe.

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Safe driving tips

Depending on where you live, auto owners with good driving records and safer cars could enjoy lower auto insurance premiums.

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Winter holiday driving tips

It's important to use good judgment and drink responsibly when traveling to and from winter holiday celebrations.

Answers to your questions

Yes. Nearly every state requires drivers to have auto liability insurance, and all states have financial responsibility laws that require you to have enough assets to pay claims if you cause an accident (if you don't have enough assets, you must purchase liability insurance). Penalties for not complying with these laws include fines, driver's license revocation and up to a year in jail for the first offense.
Your agent can help you determine the amount of coverage that's best for you. As mentioned above, you will likely need coverage to protect yourself from liability costs. You may also buy auto insurance that covers the repair or replacement of your vehicle and its contents in a variety of circumstances, including being hit by someone who's uninsured or underinsured.

Many factors influence the price of your auto insurance, including:

  • Your driving record
  • How often and how far you drive each year
  • Where you live
  • Your age
  • Your car
  • Your Insurance Bureau Score
  • The amount of coverage you purchase.
If you loan your car to a friend, he or she will be covered under your auto insurance policy. However, such practices are discouraged because any accidents could affect your future policy premiums.