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Worst States for Traffic-Related Fatalities – 2016

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Things to remember...
  • The Ford Escape comes with a difficult-to-use child safety LATCH
  • The Buick Encore was not graded on its headlights in 2017
  • Neither Ford nor Buick won any safety awards or come with any insurance discounts
  • Both the Buick and the Ford scored low ratings on front crash prevention tests
What do you look for in a new vehicle? Is size the most important thing to you, or do you prefer something with better gas mileage? There is no right or wrong answer when it comes to what you look for in a new vehicle.

Everyone has different wants, needs, and tastes, which is why some people prefer the Buick Encore and some people prefer the Ford Escape when shopping for a small SUV.

What you want and need depends on the size of your family, the size of your budget, and the things you enjoy doing the most.

Ford and Buick both have their ups and downs, as does any vehicle on the market. The Buick offers a few more features as standard than the Ford, but the Ford comes with a lower price than the Buick.

Whether or not you are looking for upgrades or a lower sticker price is personal, but it’s probably safe to assume you’re looking for a great discount on insurance as well as the added benefit of driving a vehicle that keeps you and your family safe on the road.

Unfortunately, you’re not getting the added benefit of an insurance discount with either the Buick or Ford’s small SUV. Both have a myriad of good safety ratings, but not good enough to elicit any awards.

When insurance companies look at safety ratings, they offer discounts for those that perform well in crash tests.

The Insurance Institute for Highway Safety grades the safety of all vehicles on the road, and neither the Ford nor the Buick performed outstandingly in any safety categories.

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Safety Categories for Small SUVs

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There are three main categories of safety tested by the IIHS in all small SUVs. Each of these three is then broken down into subcategories.

Each of the subcategories receives a rating from the IIHS to show how well it performed in various crash tests:

  • Crashworthiness tests the head restraints and seats, the side, the roof strength, the moderate overlap front, and the small overlap front
  • Crash avoidance and mitigation tests the front crash prevention and the headlights
  • Child seat anchors test the latch system in the back of each small SUV

Safety Ratings and Grades

The IIHS crashes each of these vehicles and then provides a letter to determine the overall success of each crash rating. This works a lot like going to school and receiving a letter grade for each assignment you do.

There is only one best grade, and the rest are just leading up to that or showing how unprepared you were for said assignment. The same goes for the IIHS’ letter grades:

  • “G” Good – This is the best rating a vehicle can earn
  • “A” Acceptable This is the second best rating a vehicle can earn
  • “M” Marginal This means a vehicle has a ways to go
  • “P” Poor This is the worst rating a vehicle can earn

As for the front crash prevention category, a letter grade does not apply. Instead, the IIHS uses three different rankings. Basic, advanced, and superior rankings are given to each vehicle as their front crash prevention tests come in.

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Ford Escape vs. Buick Encore

Both Ford and Buick fail to receive any awards for their safety ratings. The Ford was rated in all categories, but the Buick’s headlights were not rated in this test.

Overall, the Buick performs far better in all categories, which makes it the clear winner in this competition.

However, consumers will not receive any insurance discounts for either due to lack of safety awards.

– Buick Encore Ratings

The Buick Encore scored phenomenally across the board save for one category. The results of the front crash prevention category failed to impress testers, and that caused this vehicle to miss out on a Top Safety Pick Award.

The Buick received all “G” ratings in the crashworthiness category and an “A” rating in the latch system. It ranks a very low basic score in the front crash prevention, however.

– Ford Escape

The Ford Escape’s ratings were good in all categories but two. With ratings of “G” in all the crashworthiness categories except small front overlap front with an “A,” this vehicle did well in this category.

However, the latch system is rated marginal, the headlights are acceptable, and the front crash prevention is a very low basic.

Choosing the Best Small SUV

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While Buick has better safety ratings all around, both are going to provide you with various features that might make your family happy. If you have kids, you probably want the Buick with its better safety features and “A” rating for the latch.

If you don’t have kids, the marginal rating on the LATCH system in the Ford won’t bother you.

This is why it’s important you understand that these safety tests are important, but they’re not meant to be the sole deciding factor when you buy a new car.

If you’re looking for insurance discounts, you won’t find them for safety in these vehicles. What you can do is look to see which features your vehicle has and ask for discounts for those.

For example, if you have parking assist, a rear back-up camera, or even a lane-notification system on your small SUV, you might get a small discount for that. They help keep you safer on the road, and insurance companies like to reward that.

By comparing rates, fuel costs, maintenance costs, and warranties in addition to vehicle price, it’s easier to determine whether the Buick or the Ford is a better small SUV for you. Use our FREE quote tool today!

Things to remember...
  • Both luxury SUVs Buick Encore and Audi Q3 did not receive safety ratings as high as some of their non-luxury competitors
  • Neither the Buick Encore or the Audi Q3 received a Top Safety Pick award from the IIHS
  • Choosing a vehicle that is a Top Safety Pick award winner unlike the Encore or Q3 can help drivers save just slightly more money on insurance costs
Even though there is no official class for small size luxury SUVs, the Buick Encore and the Audi Q3 both fall under the luxury vehicle and small size SUV classes.

The manufactures designed the vehicles to have safety features and luxury options, but they were unable to satisfy the requirements the IIHS had for their awards.

Both vehicles scored better in 2016 than the 2017 models. Enter your zip code into our FREE comparison tool right now!

New IIHS Testing

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One of the biggest reasons so many small size SUVs are doing worse than they did in 2016 is the new IIHS test that has been put into place.

It was added in a way that disallowed some vehicles in the 2017 year to be tested and made it difficult for manufacturers to catch up with the requirements for the vehicle.

Now that the IIHS has added the passenger side front collision test, manufacturers will be able to bring their vehicles up to the new standards in the future.

In addition to their latest test, the IIHS has made sure they are performing other tests on each vehicle to determine how safe they are. They check the crashworthiness of vehicles along with how easy it is to put a safety seat into the vehicle.

More recently, the IIHS added the crash avoidance test to the lineup to help test collision warning systems and auto brakes.

Crash Tests by the IIHS

The IIHS puts vehicles into accidents on purpose so they can see how the vehicle will perform if it is actually in an accident on the road.

They also put crash test dummies into the vehicles to help get a better understanding of what would happen to humans who are in the vehicle.

The IIS then records the data they find on the results of the vehicle and the dummies in the vehicle.

— How the Encore and Q3 Performed

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The Buick Encore was able to have a score for the new frontal passenger collision test, but the Audi Q3 was unable to receive a score from the IIHS.

Both vehicles scored good on the driver’s side front crash test. They also scored good on the side tests and rollover tests making their overall crashworthiness score nearly the same.

Avoidance and Mitigation Ratings from the IIHS

The IIHS looks at the warning systems and auto brakes in a vehicle to understand how well they will stop a vehicle from being involved in a front collision.

The IIHS also uses the mitigation portion of the category to determine whether the headlights are effective or not.

The mitigation uses the regular IIHS scale from poor to good, but the avoidance category uses a basic, advanced and superior rating system.

— Avoidance Scores for the Encore and Q3

The Buick Encore had an avoidance system that received a basic score. It was only able to use a warning system and the auto brake feature was not available for testing by the IIHS.

There was nothing available in the Q3 for the IIHS to test the crash avoidance.

The headlights for the Buick Encore were not available for the IIHS to test. The Q3 received a rating of poor for its headlights. It had inadequate low beams and partially inadequate high beams on sharp curves.

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IIHS Rating for Easy LATCH System

Since the LATCH system is determined by the NHSTA, the IIHS has no way to tell whether it is actually safe or not.

Instead of trying to override anything the NHSTA has done, the IIHS simply bases their LATCH ratings off of how easy they are for people to use.

By doing this, they can tell whether people will be more likely to use them or not.

— LATCH Ratings for Encore and Q3

The LATCH system in the Buick Encore was rated as acceptable because the connection was too deep into the seat.

The LATCH system in the Audi Q3 had the same acceptable rating. It received the A because it had other hardware close to the anchor which could be confused for the anchor.

Choosing a Safer Vehicle

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The Buick Encore was marginally safer than the Audi Q3. Because they had lower scores than other small SUVs and missing data, they missed out.

Buyers who want a luxury small SUV that has won a Top Safety Pick award may want to consider looking at the BMW X1.

Car Shopping

Car shopping can already be a hassle for buyers who are looking for a brand new car but adding in endless amounts of ratings from the IIHS and other institutes can make the car-buying process even more difficult.

While buyers should always consider all the different factors of a car, only focusing on safety could leave them feeling like they are wanting more.

For example, the Audi Q3 and the Buick Encore are generally regarded as among the best cars available, but they didn’t even hit the IIHS minimum safety ratings to win an award which might push buyers away from the vehicle they really want.

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Things to remember...
  • Kia was once an economy car automaker but has become the fifth most reliable brand within the last year
  • When you’re comparing two different small SUVs, it’s always wise to consider the vehicle’s IIHS safety ratings
  • Consumers interested in small SUVs will be happy to learn that the 2017 Kia Sportage is a Top Safety Pick
  • The latest Sportage was tested by the IIHS and earned a ‘Good’ rating in each and every crash tests
  • If you compare Kia’s small SUV to a similar model from BMW, the Kia has the higher safety ratings
Kia Motors was founded in 1944 and is the largest automaker in Korea. While the company first specialized in manufacturing bikes and parts, it began to shift focus to the automotive industry in 1973.

Just a year later, the giant car maker decided to design a light pickup as well.

While Kia initially made economy cars like the Brisa and the Bongo van, which were affordable models that were sold to younger consumers, the brand has progressed over time.

Just a decade ago, if you were to mention the Kia brand you’d never expect that it would have the reputation it does today.

Seemingly overnight, Kia improved its shaky reputation in the United States. In fact, the Kia brand went from being on the bottom of the list of reliable automakers to fifth in the world ranked close to Honda and Toyota.

It seems like this all happened in the blink of an eye, but in actuality, Kia took time to improve designs, frames, technology, and warranties to earn the trust of buyers.

As one of the fastest-growing brands in the nation, Kia has managed to win awards for its full-size sedans. Now, as more and more consumers are shopping for compact SUVs, Kia is putting much of its focus into the design of the Kia Sportage.

Use our FREE comparison tool to find cheap auto insurance rates today!

If you’re interested in buying a Sportage and you want to see if it’s as safer as a similar model from a car maker like BMW, here’s what you should know.

Understanding IIHS Safety Ratings

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The Insurance Institute for Highway Safety is an educational organization that operates just to keep consumers, automakers, and insurance companies informed.

Part of the organization is responsible for review accident data and highway safety laws to suggest new legislation. Another part of the organization focuses entirely on vehicle safety and crash tests.

As a consumer who’s looking for the safest possible small SUV, you need to access reliable information that educates you on the pros and the cons of buying a specific vehicle.

Small SUVs may be larger than sedans, but they are still built on the same frames a majority of the time.

That’s why they might not always perform great in the IIHS tests performed. These tests include:

  • Small overlap front
  • Moderate overlap front
  • Side strength
  • Roof strength
  • Head restraints & seats
  • Front crash prevention
  • Headlight visibility and glare
  • Child seat anchor and latch ease of use

Even though the IIHS has been around since the 1950’s, the organization didn’t start to develop a center where vehicles would be tested until the 1990’s.

In 1995, the Vehicle Research Center that was paid for by the IIHS was officially used to crash cars, take measures, and establish ratings.

Now, all vehicles are given crash test ratings and mitigation ratings. The rating system used today is as follows:

  • Good
  • Acceptable
  • Marginal
  • Poor
  • Frontal Crash Prevention and Crash Avoidance – Superior, Advanced, or Basic

If you want to know whether or not a Kia is safer than a BMW, you’ll have to look at specific vehicles in the small SUV class of the market that were both released in the same year.

This is how all consumers can do effective safety comparisons that relate to the tests performed in that year.

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Here’s what you should know about the Kia Sportage and the BMW X1:

– Safety Ratings for the 2017 Kia Sportage

  • Small overlap front crash  Good
  • Moderate overlap front crash Good
  • Roof strength Good
  • Side Good
  • Head Restraints Good
  • Front Crash Mitigation and Prevention Superior (with optional equipment)
  • Headlight Evaluation Poor
  • Child Seat Tether and Anchor Ease of Use Acceptable

The Kia Sportage debuted all the way back in 1998. At this time, vehicle crash test ratings had just been developed 3 years before. That explains a major reason why the Sportage earned only ‘Marginal’ grades in Moderate Overlap Front crash tests until 2002.

As more tests were developed, Sportages continued to receive low scores until 2017.

The 2017 Kia Sportage didn’t just have a safer redesign, it became an award-winner in safety. This new model year earned ‘Good’ ratings in front, side, roof strength, seats, and headrests.

It also earned a 6 out of 6 points for the Front Crash Prevention system installed in the EX Trim with Technology Package for a ‘Superior’ rating.

The only area where the Sportage fails to compete is in the headlight rating. Even the highest trim level on the lot earned a ‘Poor’ headlight rating.

It was mainly because of the excessive glare and the visibility around curves. This is the one factor that was holding the car back from earning a Top Safety Pick+ award.

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– Safety Ratings for the 2017 BMW X1

  • Small overlap front crash Acceptable
  • Moderate overlap front crash Good
  • Roof strength Good
  • Side Good
  • Head Restraints  Good
  • Front Crash Prevention System Advanced 4 out of 6 points(with optional equipment)
  • Headlight Evaluation Marginal (with optional equipment)
  • Child Seat Tether Ease of Use Acceptable

You would imagine that a luxury brand like BMW would perform above all non-luxury brands when it comes to safety. Unfortunately, sometimes automakers focus less on safety and more on the bells and whistles.

This could be the case with the BMW X1, which failed to earn a ‘Superior’ crash prevention score like the Kia and only scored 4 out of 6 on the test.

The BMW may have earned all ‘Good’ ratings in crash tests, but it was not tested on the passenger side so that makes it hard to compare.

The X1 did, however, earn a better headlight score with a ‘Marginal’ rating as opposed to a ‘Poor’ one. The X1 ratings over the last 5 years have improved but not like the scores of the Kia.

Top Safety Pick

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Kia has made the list of Top Safety Pick award-winning makes for compact SUVs along with 3 other brands. The 2018 model even earned a Top Safety Pick+ award for making more improvements after June of 2017.

The crashworthiness scores are to thank for the best-in-class award.

BMW also managed to pull in a Top Safety Pick award but failed to impress with crash prevention features.

Does Kia make a safer small SUV than BMW?

The 2017 Kia Sportage and the 2017 BMW X1 both earned similar awards but in the end, the Sportage received the all-around better ratings. Once the 2018 BMW ratings come out it will be easier to see how the latest models stack up.

If you’re going to buy a Kia or any other small SUV, make sure to figure out the trust cost of ownership.

As you compare Kia and BMW, you can get auto insurance quotes and see how much you’ll spend monthly. Getting online quotes instantly and you’ll be able to see how safety records affect premiums.

Use our FREE quote comparison tool to find auto insurance quotes today!

Things to remember...
  • Travelers Insurance is a larger auto insurance provider that’s been around for more than 160 years
  • The carrier has earned excellent JD Power ratings in claims service and customer service satisfaction
  • If you’re shopping for auto and property insurance, travelers offers both and sizable discounts for bundling
  • The company offers competitive premiums to experienced drivers and has received an A++ rating through AM Best
  • The company offers a total of 28 discounts that can be applied to auto insurance policies in all 50 states
Travelers Insurance has been servicing drivers in the United States for over a century. Since it was established over 160 years ago, the company has made a name for itself by offering their customers friendly service and special coverage options that you can’t find from standard insurance providers. It competes closely with other insurers like USAA, Progressive, Mercury, and Amica.

If you’re shopping around for bargain-priced insurance from the top competitors in the personal auto insurance industry, you need to consider policy features and ultimately the price. Travelers Insurance offers the right type of client affordable premiums. That’s because there is a hefty set of discounts that you can take advantage of. If you’d like to know about the discounts available with Travelers Insurance, here’s a guide just for you:

Shopping For Insurance

AdobeStock_61298662-1600x1600Who wants to pay more than they have to for a product like auto insurance? It’s not a car, a bike, or another type of consumer good so you’re not hoping to use it frequently.

Quality does matter when you’re selecting coverage and a carrier, but this is one of those things that you have to pay for that you never want to use. That’s why you should always shop around to find a deal that you’re proud of.

Since all insurance companies have different rates and different discounts. The only way that you can thoroughly find a deal is by getting quotes for the vehicles that you own that include your personal information. By entering your information accurately, all of the discounts that you qualify will automatically be added to the rate quote.

Types of Discounts Offered By Travelers

Out of the leading names in the industry, Travelers offers 28 different auto insurance discounts that can be taken off of your premiums. The highest number of discounts is 38 and the lowest is 19, so the company is average on the spectrum of the competitors. Here is a list of discounts offered by category:

– Driver Discounts From Travelers

Adding additional drivers to your policy can always be a risk. You know that you’re a safe driver, but you can’t constantly monitor someone else’s driving habits. If you have multiple drivers on your policy, there is an advantage. Each one will qualify for a long list of driver-related discounts with Travelers. Here are the options:

  • Defensive Driver (discount that lasts for three years when drivers 55+ take a defensive or mature driver course)
  • Distant Student (for students 25 and under that are located 100 miles or more away from home)
  • Driver’s Ed (for drivers under 21)
  • Good Student (for full-time students 16-25 with a B average or better)
  • Further Education (for having a 4-year degree or higher but only in CA)
  • Homeowner
  • Occupation (discounts applied through Travelers Affinity Program)
  • Safe Driver

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– Vehicle Discounts From Travelers

Cars come standard with tons of features that didn’t even exist in the past. Features that used to cost a lot to install are becoming affordable as technology advances. This is why newer cars typically receive more discounts than older models. If you’re trying to shop for a safe car that doesn’t cost a lot to insure, look for these vehicle-related discounts:

  • Anti-lock Brakes
  • Anti-theft (passive or active)
  • Daytime Running Lights
  • Green Vehicle (for electric cars and hybrids)
  • Newer Vehicle (less than 3 years old)
  • Passive Restraint
  • Garaging/Storing based on usage
  • Green Vehicle (hybrid or electric)
  • Vehicle Recovery (for LoJack, OnStar, and Teletrac)
  • VIN Etching

– Policy Discounts From Travelers

AdobeStock_76267159-1600x1600Not all discounts are related to the driver or the car. Sometimes carrying coverage without any lapses and choosing certain payment plans can benefit you. You might not save a huge percentage for paying on-time, but all of the discounts will add up. Here are the total policy discounts available with Travelers:

  • Claim Free (must be accident and citation free for 3 years to get a 10 percent discount and 5 years to get a 23 percent))
  • Continuous Coverage (policyholders who have verifiable proof of prior coverage)
  • IntelliDrive (save 10 percent for signing up for the app and 30 percent at renewal if you drive less than 13,000 miles)
  • Early Signing (save 3 percent if you buy insurance 1 to 3 days in advance and 10 percent if it is 15 days prior to old policy expiration)
  • Full Payment (paying total policy premium at once)
  • Low Mileage (available through Intellidrive Program)
  • Affinity Discount (available for members of certain organizations and credit unions)
  • Multi-policy (for maintaining two or more lines of insurance with the carrier)
  • Multi-car (for insuring two or more)
  • On-time Payments
  • Auto Billing

How do you find out how much you’ll save?

The only way to truly see how much a discount is going to save you is to get quotes without the discounts and compare them to quotes with them. This can be difficult when quoting systems will automatically apply discounts based on the VIN you enter or the answers you give to quoting questions.

The best thing that you can do is use a quoting tool, fill in the fields, and then compare the rates that you will get for certain levels of protection with Travelers.

Are you getting every discount that you can with your current insurer? If you’re not saving enough with the carrier that you’re doing business with now, you can start looking around in minutes.

Travelers might not offer a transfer discount for coming from another carrier, but they do offer 28 other options. Get online quotes today to see which discounts will be applied to your quote and then you can sufficiently decide what you want to do.

Things to remember...
  • Ameriprise offers 18 car insurance discounts to its customers
  • Drivers must comply with their state’s insurance requirements
  • Shopping around may help you to determine if Ameriprise offers the best rates available for your car insurance needs

Driving without car insurance is not advisable. After all, most states require drivers to obtain at least a minimal level of liability auto insurance. Some auto lenders also require their customers to obtain additional coverage as a term of the loan, and you would be in default of the loan terms if you do not comply with this requirement.

It is common for drivers to purchase more than the minimum type and level of coverage to avoid financial loss in the event of theft, a car accident, and other issues. After all, the cost associated with a single damaging event can be devastating for a motorist to deal with, and the right car insurance coverage can reduce out-of-pocket expenses dramatically.

Make sure you aren’t paying too much for auto insurance by using our free insurance comparison tool!

Choosing an Auto Insurance Company

adobestock_107417448-1600x1600-1Ameriprise is just one of several auto insurance providers that you can purchase auto insurance from. The company was established in 1894, and it currently serves millions of customers with its financial services and insurance products.

Ameriprise has a great reputation for serving its customers well and for providing excellent coverage at a fair price.

You may be thinking about contacting this provider for a quote, but you should be aware of all of the factors that will be analyzed to determine your car insurance rates. Regardless of which provider you request a quote from, providers review the following factors to determine your rate:

  • Your driving record
  • Your credit report
  • Where you live
  • The details about the car that is being insured
  • How much you typically drive
  • Your requested coverage types and limits

Setting Up an Affordable Car Insurance Policy With Ameriprise

If you are thinking about getting an insurance quote from Ameriprise or from any other auto insurance provider, you may be able to save money on your policy in different ways. For example, you can:

  • Opt for a higher deductible
  • Adjust coverage types and limits
  • Move to a more affordable zip code
  • Choose car that is more affordable to insure

In addition, there are numerous discounts available through most insurers that you can take advantage of. Ameriprise currently offers its customers 18 discounts, and learning more about these discounts may show you how to save even more money on your premium.

– Vehicle-Related Discounts

The vehicle that you drive can play a major role in your safety on the road. While the vehicle will influence the rates, it may also affect discounts that you can qualify for. If your car has any of these exceptional features, you may qualify for an additional discount through Ameriprise:

  • Passive restraints
  • Vehicle recovery
  • Anti-lock brakes
  • An anti-theft system
  • Daytime running lights

You may also qualify for a discount if you regularly store your vehicle in a garage.

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– Driver-Specific Discounts

While some of the auto coverage discounts available to you through Ameriprise are directly related to the car that you insure, others are more specific to you as the driver. For example, if you have no claims on your driving record or if can otherwise be classified as a safe driver, you may qualify for additional savings on your premium. A few of the other driver-specific discounts that you may qualify for include:

  • A distant student discount
  • A further education discount
  • A good student discount
  • A loyalty discount

– Bundled Coverage Discounts

adobestock_77981972-1600x1600-1Ameriprise offers a full range of products and services for its customers to benefit from, and you may save money by bundling your auto coverage with other products that it offers. In addition, adding another driver or vehicle to your existing auto loan policy may entitle you to more savings.

It is wise to request a quote from Ameriprise for all of the coverage types you need so that you can fully determine how much money this company could potentially save you when all factors are considered.

– Billing Discounts

Another way to save money through your Ameriprise auto insurance policy relates to billing. You can request paperless billing to enjoy a small discount on your coverage.

If you choose to pay your premium in full or if you set up automated withdrawals for monthly payments, you can also save a small fortune on your premium through different types of discounts.

As you can see, there are numerous discounts that you can qualify for through Ameriprise. By combining multiple discounts together, you may be able to save a substantial amount of money on the coverage you need.

Shopping for Auto Insurance

AdobeStock_61298662-1600x1600Because Ameriprise offers competitive rates and numerous discounts for its many customers, you may find the best coverage option available through this company. However, the only way to ensure this is to compare at least three or four different quotes.

Because rates and qualifications for discounts can change periodically, make plans to shop for new rates every six months if you want to save money on your coverage.

As you shop for new rates, keep these tips in mind:

  • Determine your desired coverage types and limits before you start shopping.
  • Always request the same coverage types and limits from each provider for easier comparison.
  • Only request quotes from financially sound providers.
  • Review consumer comments about providers before you request a quote.
  • Inquire about discounts that you may qualify for with extra time and effort, such as by taking a driver’s education course.
  • Shop online to save time and effort.

While Ameriprise is a reputable insurance company that has competitive rates available for customers across the country and beyond, it may not always offer the best deal for the coverage you need.

After you request a quote from Ameriprise for a new auto insurance policy, follow the same steps to request a quote from a few other providers as well. By taking these steps, you may be able to identify the right provider to buy your next auto insurance policy from.

Things to remember...
  • Most insurance companies don’t provide track day car insurance policies. Instead, you’ll need to apply for an insurance policy that only covers you and your vehicle on the specific days you’ll be on the track
  • Although you’re not legally bound to have coverage for track days, doing so can ease the worry should something happen to you or your vehicle during the race
  • Read your policy’s handbook to determine whether you are covered for the track event. You could also contact your agent to learn what, if any, coverage the company gives you in the event of a car crash on the track

Car enthusiasts may run into trouble when trying to find car insurance coverage for a race. While most car insurance companies don’t include coverage for races on their policies, others make no guarantee that they will pay a claim in the event of an accident. Although you could expect to pay more for track day coverage, not having coverage at all is a risk some drivers don’t want to take.

Most policies don’t cover third-party damages or offer liability protection if your vehicle damages another car, so if you have a track event coming up and you need car insurance, it’s better to start shopping for a policy sooner rather than later to ensure you get the best coverage possible.

What are your options in terms of track day coverage?

adobestock_56116135-1600x1600Keep in mind that insurance policies and coverage vary from one provider to another. Some may reimburse you for the cost of repairing or replacing an insured car that is participating in a track day event. Besides accidental damage, other items that insurance companies may compensate you for include vehicle modifications, damaged engines or fires that may begin after a crash.

Since few insurance companies offer coverage for track day events on a driver’s personal policy while others offer independent coverage, it’s important to compare quotes from different providers to obtain the services you need most.

When comparison shopping, understand that some companies may not cover damage to the brake pads, the engine, or to the fluids within the vehicle. Others do not reimburse you for towing fees or any deviations from your track day policy.

The insurance company assumes you are purchasing track day coverage solely for the time that your vehicle is on the track. Therefore, if you require additional coverage either before or after the event, let your provider know ahead of time. Failing to do so means you risk having a claim denied should something happen off of the course.

How does the insurance company determine your coverage?

Before the race, you might be required to participate in a “drivers’ education” event. Here, you will answer questions from an adjuster that will help to determine whether you are repaid for accidents that occur during the race. Some factors that will determine your coverage include:

  • Timing – Most providers do not cover a crash if the drivers are timed for the event. Therefore, it’s best to answer “no” if you’re asked.
  • Car modifications – Most cars used in track events have been modified for better performance. You might find it difficult to obtain coverage if you have a roll-cage and full slicks on your vehicle. However, depending on the company, your provider may include an Agreed Valuation clause which will cover a modified vehicle.
  • Racing event – You might not be entitled to coverage on your vehicle if your event is described as “racing” or a “competition.”
  • Insurance terms – Some policies outright refuse to compensate drivers for any damages or incidents that happen on a raceway. Read your policy closely to determine the terms of your specific company.
  • Instructor presence – Some instructors teach safe-driving courses with speeds less than 62 miles per hour. Having an instructor with you could increase the likelihood that you’re approved for track day insurance.

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How do you go about getting a car insurance policy for track day?

For standard cars, it’s relatively easy to purchase car insurance for track day. However, it may be in your best interest to apply for a policy two to three days before the event so that you’re prepared for any inconveniences that may come your way and to allow the insurance company to finalize the paperwork in time.

Before you fill out the application, you’ll need to inform the provider of the day the event is happening.

After you submit the application, you’ll be required to make a payment, and you’ll then receive the policy through your email.

If you have more exceptions added to your coverage or you need to make changes on

If you have more exceptions added to your coverage or you need to make changes on track day, consider calling the insurance company directly for a quicker response time.

What insurance premiums can you expect to pay for track day coverage?

AdobeStock_84897780-1600x1600In most cases, you will be charged more for a track day insurance policy. However, by comparison shopping, you may be able to find a more affordable rate with a different company.

Obtain quotes from various providers or seek assistance from an experienced broker who can help determine which rates are best-suited for your needs and your budget. In some cases, a provider will charge 0.6 percent to one percent of your car’s total value when calculating your premium.

Other factors that an insurance company may take into consideration when determining rates are:

  • The model of your vehicle – If you drive an exotic, fast, or expensive car, be prepared to pay more for your car insurance than a “normal” car.
  • Your age – Much like other types of insurance coverage, your insurance company will take your age into consideration when determining the best coverage for you during the event.
  • Additional drivers – If you have a poor driving record that includes previous accidents, adding additional drivers on your policy may cause an increase in your coverage rates.
  • The circuit – If the event in which you’re participating has a history of low accidents during previous track days, then you may benefit from a lower premium.

Other types of policies only cover the vehicle and not the driver or his or her passengers. Therefore, when you’re shopping for a policy, make sure to ask whether the insurance company covers liability as well as the limits for this coverage.

Also, ask whether the provider has any requirements in terms of the condition or mileage of the car. Ultimately, shop for a policy that provides the coverage you need at the best rate, and remember that insurance is not a free pass to operate your car without caution.

Things to remember...
  • Most states have some sort of law in place that requires drivers to carry at least a small amount of insurance
  • The mandatory coverage in most states is designed to pay for a third-party’s damages after you cause a collision
  • Many states offer at least some protection against uninsured drivers so you aren’t left without protection
  • Uninsured Motorist pays for your medical bills and repairs when there’s not enough liability coverage to rely on
  • If you don’t live in a no-fault state and you can identify the uninsured driver, filing a lawsuit could be an option
Even the most basic auto insurance policy pays for damages and medical bills after a minor fender bender. All drivers who comply with the law have peace of mind in knowing that they have an insurer to help protect them against frivolous claims and they also have third-party coverage that pays for damages they’re liable for.

Unfortunately, not all car owners comply with compulsory insurance laws. Keep reading to learn what you can do if you find yourself in this situation and make sure to use our free insurance tool above!

Believe it or not, about one in eight drivers in the United States is uninsured. In states like Oklahoma, the percentage of uninsured motorists is over 25 percent. With so many risks on the road, it’s crucial that you know what steps you should take if you’re ever involved in an uninsured motorist accident. Should you sue or use your insurance? Here’s a guide to address all of your questions:

Here’s a guide to address all of your questions:

Why does it affect you when someone else doesn’t have insurance?

AdobeStock_56537418-1600x1600You have to fully grasp how auto insurance claims are paid before you’ll see your uninsured neighbors and community members as a threat. It might not affect you when someone chooses not to buy damage protection on their vehicle, but it does affect you when that same driver doesn’t carry state minimum liability insurance.

Liability insurance is what helps a policyholder pay for damages after an at-fault accident. So some car owners might want to skimp on insurance premiums by rejecting comprehensive and collision, but if the driver skimps and doesn’t maintain their liability insurance, they’re putting you and other drivers and pedestrians at risk. Not to mention, they’re breaking the law which contributes to rising insurance premiums throughout the state.

What does liability insurance pay for?

If you live in one of the 39 fault-based states, you’re required by law to carry liability motor vehicle insurance. If you’re in a collision with another car or a cyclist, this coverage would pay for their property and their treatment as long as you’re the negligent party. So, if you’re not at fault, it’s the others drivers insurance that would, in turn, pay for your damages and medical bills.

Do you have to sue someone who has no auto insurance?

You thought getting into an accident was your worst nightmare until you got into an accident with someone who has no auto coverage. The chances of it happening in your lifetime are pretty high, especially if you’re in an area with more uninsured motorists that normal.

You might assume filing suit is your only option, but in some cases, it’s not. You need to review your policy and see what your options are before contacting an attorney.

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Do you have Uninsured Motorist Protection?

Uninsured Motorist Protection is often optional. There are, however, a few states that have made the coverage mandatory because of the havoc that uninsured drivers are causing on the road. You should always buy at least some UM coverage even when you’re not required to.

What does Uninsured Motorist Protection pay for?

AdobeStock_62082716-1600x1600Uninsured Motorist is a first-party coverage that will pay for your own financial loss and the loss incurred by anyone who is in your car or lives in your home. The coverage essentially acts like the Bodily Injury Liability coverage that the other driver didn’t have when they hit you.

It will pay for your emergency medical bills, continuing treatment, funeral expenses, and loss of income while you’re out of work. Uninsured Motorist doesn’t just pay when the driver is uninsured, it also pays when the other driver was at fault but they had very low limits that didn’t sufficiently pay for your all of your bills.

Instead of suing for the remaining $10,000 that you need to pay off the hospital, you can file a UM claim against your own coverage and your insurer won’t penalize you.

Do all insurance companies offer Uninsured Motorist?

Virtually all states have a law in place that requires insurers to offer all standard policyholders the option to buy Uninsured Motorist. Don’t be surprised if you have to sign a rejection form saying you don’t want the coverage if you want to take the chance. That’s because agents have to let you know it’s available or the company could be fined.

What will pay for your car?

Uninsured Motorist Protection doesn’t pay to repair your car. You need collision insurance to help you pay for all of the repairs when there’s no auto coverage on the other end. If you have Uninsured Motorist Property Damage, you won’t have to pay a deductible. UMPD will offer you up to $3500 for repairs on a car without full coverage.

Can you file a lawsuit if you’ve exhausted other options?

AdobeStock_52714237-1600x1600It might not be worth the hassle of filing a lawsuit when you have alternative coverage to lean on. If you’ve exhausted your other options and you’re still struggling to pay the bills because of your injuries, filing a personal injury claim could be an option. It all depends on how long ago the accident was and what state you live in.

There are currently 12 no-fault states in the US. In each of these states, there are limitations placed on whether or not you can sue after a motor vehicle accident. Luckily, in these states, you have no-fault coverage that pays for your own expenses. If these run out, you may win the right to sue back. In fault-based states, you can file a lawsuit but there’s no guarantee that you’ll be able to collect.

It’s important to work closely with your own insurer after an accident with an uninsured motorist so that you know all of the options. Your insurer may even help direct you if they feel like filing a lawsuit is the only reasonable option. Be sure that you do business with a reputable insurer that helps you build a real barrier of protection from the start. If you don’t like your current insurer, log into an online comparison tool and start getting quotes.

Things to remember...
  • Auto insurance is required in most states
  • Auto insurance rates can vary based on many factors, so individual quotes are necessary
  • There are many ways to save money on car insurance

Auto insurance is a necessity for most drivers, and this means that your auto insurance premium will be a recurring expense in your budget. With this in mind, you may be wondering how much your auto insurance premium will be so that you can financially prepare for the future.

Car insurance quotes will vary based on the coverage you select, the type of car you drive, your age, your gender, your driving history, and many other factors. With a closer look, you will be able to compare quotes and find the best car insurance rates possible.

Learn more about car insurance rates below and make sure to use our free insurance comparison tool above today! Just enter your zip code and start comparing rates for free!

Understand the Legal Requirements for Car Insurance

AdobeStock_92667966 (1)-1600x1600Most states require drivers to take financial responsibility for damages they cause to others when they are behind the while. To ensure that drivers have the financial means to pay for damages they cause, most states require drivers to purchase a minimum amount of liability auto insurance.

Each state’s minimum requirements vary, so the first step to take when you want to determine your car insurance premium is to research your state’s minimum coverage requirements.

Determine How Much Coverage You Need or Want

Legally required liability auto insurance will pay another party for damages you cause to them. This may include paying for their vehicle repairs or medical bills. However, if your coverage does not pay for all of their expenses, you may be required to pay for the remainder of the expenses out of your own pocket. This can be financially devastating in many cases.

In addition, liability insurance does not pay for your own expenses for repairs or medical bills after an accident. Collision coverage is available to pay for these expenses.

Comprehensive coverage goes a step further and provides benefits for fire, theft, weather-related damages and more. You can also purchase coverage for towing services, rental car expenses and more. Remember that you can adjust the coverage amounts as well as select different coverage types.

As you can see, it may make sense for some drivers to purchase more than the minimum required liability coverage as well as optional coverage, such as collision or comprehensive insurance. It is wise to determine your coverage needs up-front before you request quotes. By doing so, you can obtain comparable quotes so that you can make an easy comparison to find the best deal on your coverage.

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Choose Reputable Providers to Request Quotes From

You may think that all auto insurance providers are similar, but this is not the case. Providers vary based on their financial strength and their reputation. Some have known financial issues, and you may not feel comfortable purchasing insurance from a struggling firm.

In addition, some car insurance companies have a reputation for fighting claims, processing claims slowly, or providing bad customer service to their customers. These are not firms that you want to work with when getting quotes for car insurance.

You can easily research providers through A.M. Best’s website online to learn more about their financial strength. Online reviews are likewise a great source of information about customer service and claims processing.

Compile a list of at least three or four top providers to request quotes initially, and this can help you to avoid wasting time collecting quotes from providers with a poor reputation.

When you request quotes for car insurance rates, you should be prepared to provide a substantial amount of information to each provider. Your providers will need information about your age and gender, where you live, how many miles you travel regularly, the type of car you drive, your driving history, and more before creating a customized quote for you. Providing all of this information to each car insurance provider can take time, but it is necessary in order to obtain accurate quotes.

Look for Ways to Save Money on Auto Insurance

adobestock_77981972-1600x1600-1When you initially receive quotes for car insurance rates, you may wonder how you will afford to pay your premium. While many providers create quotes for six to 12 months of coverage, you can typically pay for the premium in monthly installments. More than that, you may also qualify for discounts on auto insurance.

There is a wide range of discounts that you may qualify for, and these may be related to your driving history, your vehicle, your mileage, and more.

For example, you may find discounts for taking a defensive driving course, for having a clean driving history, for driving a low number of miles regularly, and for many other things. These discounts can help you to dramatically reduce your premium amount.

Many of the larger insurers also provide discounts for bundling policies. For example, you may bundle coverage for multiple cars together under a single policy. You may also bundle your home or life coverage with your auto insurance to qualify for savings.

Adjusting your deductible is another common way to save money on your insurance premium. A higher deductible usually yields a lower premium. However, before you request quotes for a higher deductible amount, ensure that you review your personal finances. You should be able to pay the insurance deductible at a moment’s notice if you are involved in a car accident.

Lock in Your Rates

After you have taken these steps, you may have several excellent quotes for car insurance in your hand. These are quotes for coverage that may provide you with the full protection you need, and they are affordable for your budget.

However, rates can change over time, and you need to lock in your rates to ensure that you have the necessary coverage.

To lock in your rate, you typically need to make a partial or full premium payment. If you make a partial payment, you will need to make regular installment payments to maintain active coverage.

As soon as you have made a payment, you may be able to print out insurance cards. You will need to keep your insurance card in your possession at all times while driving to prove that you are a legally-insured driver.

In order to determine how much your insurance rates will be with accuracy, you need to request customized quotes. This process may sound lengthy, but you can request customized quotes online with minimal time and effort. By taking these steps, you can locate the best policy for your needs and your budget.

Don’t miss out on our free insurance comparison tool below! Just enter your zip code and start comparing rates now!

Things to remember...
  • A co-op is a cooperative enterprise where a group of people works together for the common good of the group
  • Co-op car insurance offers an alternative to traditional auto insurance
  • Car insurance co-ops have lower overhead than traditional auto insurance companies because they do not have executives with bloated salaries
  • You must have a good driving record to join a car insurance co-op, and most of them do not offer discounts
  • Comparison shopping and conducting regular policy reviews helps you save money on your car insurance policy

A co-op is a group of people who work together for each other’s benefit. There are co-ops for many different things, including:

A car insurance co-op offers an alternative to buying auto insurance from a traditional company. However, not every driver qualifies to be a member of a car insurance co-op.

A co-op’s small size leaves it more vulnerable to risk than a traditional auto insurance company, so they usually don’t accept drivers with spotty driving records. Also, they rarely offer discounts on premiums, such as good student or multi-car discounts.

The following sections can help you decide if joining a car insurance co-op is right for you. They also provide information on how to ensure you get the best deal no matter what type of car insurance you choose.

Compare car insurance quotes right here by entering your zip code above.

How Car Insurance Co-Ops Work

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Car insurance co-ops operate differently from traditional auto insurance companies in a few important ways.

– Less Administrative Expenses

With traditional car insurance, customers’ premiums represent the company’s revenue. The company, like any business, pays its expenses from this revenue.

Some of these expenses are claims paid out to customers who have car accidents or otherwise receive vehicle damage.

However – and this is where traditional car insurance companies differ from co-ops – car insurers have a lot of overhead that isn’t directly related to paying claims for customers.

For one thing, traditional car insurance companies usually have the following employees who draw salaries:

  • executives
  • salespeople
  • a marketing staff
  • accountants
  • a host of other administrative employees

Their headquarters are housed in big, fancy office buildings in urban centers. They run expensive ads on TV and the radio.

Someone has to pay all these expenses, and it ends up being the customers in the form of higher premiums.

That said, the average customer’s share of their car insurance company’s administrative expenses is small due to the sheer number of customers most of these companies have.

Co-ops collect premiums just as traditional car insurance companies do, and they also pay out claims. But aside from a few employees vital to their operations, such as adjusters, they have none of the administrative expenses of traditional car insurance companies.

Rather than high-paid C-level executives, co-ops vote on a board of members (or customers) to make decisions on behalf of the group.

– Not for Profit

Another important difference: traditional car insurance companies are for-profit enterprises that exist to make money. Co-ops do not care about making money and only want to cover their expenses.

So they only charge enough in premiums to cover what they expect to pay in claims.

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Is joining a car insurance co-op a good idea?

The benefit of joining a car insurance co-op is that little to none of your premium dollars will be used to pay expenses that don’t directly benefit members of the group but this doesn’t necessarily mean you’ll pay lower premiums with a co-op.

And if you can pay less with a traditional car insurance company, does it matter that a dollar or two of your premium payment goes toward the CEO’s beach house?

– No Discounts

Traditional auto insurance companies offer the opportunity to receive several discounts on your premiums. Some of the more common car insurance discounts include the following:

  • Good student discounts
  • Multi-car discounts
  • Multi-line discounts
  • Anti-theft protection discounts
  • Accident-free discounts
  • Military discounts

By combining a few of these discounts together, you might be able to reduce your car insurance premiums substantially. But you’ll only get these discounts with a traditional car insurance company.

Few, if any, car insurance co-ops offer discounts. And because they only accept drivers with good records, you don’t get any benefits for remaining accident-free. Little variation exists in what auto insurance co-op members pay.

– Good Drivers Only

Traditional car insurance companies are huge and bring in a lot of revenue each year. They have thousands of customers who pay their premiums every month but never file a claim.

These good customers give them a nice cushion to take a chance on drivers with less-than-perfect records. Such drivers pay higher premiums, but ultimately, their insurance costs are still subsidized to some degree by the drivers who pay premiums but never file claims.

Even if your driving record is shaky, you can find a traditional company willing to ensure you.

Auto insurance co-ops don’t have the luxury of taking a chance on people with imperfect driving records. Co-ops are usually small and don’t have thousands of members.

So if a co-op has a member it has to pay out on at an excessive level compared to the premiums received from that member, the co-op can encounter solvency issues. Co-ops tend to accept only drivers with good records.

Getting a Good Car Insurance Deal

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Even if you decide a co-op isn’t for you or you don’t qualify for one, you can get a great deal from a traditional car insurance company. Doing so requires that you shop around between several companies and review your coverage every six months.

Also, don’t just consider the price. Look at the amount of coverage you’re receiving and any perks that the company offers. Check out each company’s Better Business Bureau rating to see what other customers think about doing business with them.

Enter your zip code into our free comparison tool below to find the best rate for the car insurance you need.

Things to remember...
  • It is important to know the company that handles your car insurance coverage even if you have not had a car accident
  • You should be able to tell from your billing statements which company you have for your auto insurance coverage
  • If you have lost your copy of your proof of insurance card, it is free and easy to request that another one be mailed to you from your auto insurance provider
  • If you cannot locate copies of your bills for your car insurance premium, then you could check your bank records to find the name of the company that you have been paying for auto insurance coverage
  • If you have not been making regular payments on your auto insurance premium, then there is a good chance that you do not have current coverage and need to find insurance quickly

While you hopefully do not have to interact with your auto insurance provider on a frequent basis, it is important to know which company is providing your coverage.

The reason you should know who your provider is, is that you are legally required to have car insurance coverage if you are getting behind the wheel on a public road or have a vehicle that is officially registered with your state department of motor vehicles.

If you do not have paperwork that you can find from your auto insurance company, then there are a few easy ways that you can at lease find out which company provides your car insurance coverage.

Take some time to compare auto insurance quotes to make sure you’re not overpaying for coverage.

Always Keep Your Proof of Insurance Card With You

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The best source for current information about your auto insurance policy is your proof of insurance card.

This card is always issued by the insurance provider because you may need to show it to a police officer if you are pulled over while driving or if you are involved in an auto accident.

You will only get a proof of insurance card issued if you have signed up for auto insurance, received a price for your premium, and paid at least a portion of your premium.

Some people choose to keep this card in their car at all times. Others put it in their wallet because it is a way to make sure that you always have proof of insurance even when you are driving someone else’s car.

If you can’t find yours in any of the familiar places where you might have stored it, it is time to ask the auto insurance company to issue you another one.

Look at Your Past Bills

Here’s a list of places to find your insurance company:

  • mail statement
  • payment record
  • email messages

If you pay your auto insurance premium by check in the mail, then you are almost certainly sent a statement of when your bill is due.

The paper statement will obviously include the name of your auto insurance company along with contact information on how to ask any questions about your policy or coverage.

If you do not keep copies of your insurance bills, then you might be able to find the name of the company that you paid by looking through your previous bank statements.

It is very rare to ever make a car insurance payment in cash, so you will most likely have a payment record somewhere in your banking files.

If you have signed up for electronic billing with your auto insurance provider, a quick search of your email may be able to turn up the name of the company.

You may also have electronic copies of billing statements as well as your important policy documents in your email messages.

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Check to Make Sure Your Insurance is Current

Just because you previously had auto insurance coverage with a certain company does not necessarily mean that your car insurance coverage is still current.

To make sure your coverage is current, you should immediately call the company after finding the potential name of your auto insurance provider. Ask for the effective dates of your policy. You should also make sure that you do not have any unpaid bills.

If you find out that you are past due on your premium payments, you need to make arrangements to catch up immediately. In some states, you can be fined by the department of motor vehicles for each day that you do not have valid auto insurance coverage.

Another reason that you need to verify that you have valid auto insurance coverage is that you could be involved in any auto accident any time that you get behind the wheel.

In just one accident involving another driver or pedestrian, you could be responsible for a significant amount of damage, which would have to be paid out of your own bank account without valid auto insurance coverage in place at the time of the accident.

Steps to Take if You Do Not Have Current Auto Insurance Coverage

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You may discover in your search to find your current auto insurance provider that your insurance is not up to date.

If your coverage has lapsed, you need to take quick action to make sure that you are not left paying expensive fines or in jeopardy of having your driver’s license suspended.

The sooner you make arrangements to get your auto insurance coverage reinstated or find different coverage, the lower your risk of being involved in an accident without coverage.

Before you decide to go with any particular auto insurance company for your coverage, it is best to shop around online to compare the available rates. They will vary by area, which is why it is important to be accurate with your zip quote when requesting various quotes online.

After you find affordable options, you can reach out to those companies to find out how they can take care of your car insurance coverage needs.

Some Final Thoughts on Finding Out Who Your Auto Insurance Provider Is

If you are not sure which company provides your auto insurance coverage, it is a good thing to find out quickly. This information is important to have in the event of an accident or if you need to buy or register a new car.

If you do not have a copy of your proof of insurance card, you may be able to find out the name of the company from your previous insurance statements.

You could try searching your emails or bank records to see if there is a record of which company that you addressed your premium payments to. If you do not have coverage, you should get it quickly.

Find insurance today by comparing rate quotes using our free quote tool.

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