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Car insurance pays on your behalf if at fault, or depending on your coverage, covers you for other’s fault if they are underinsured for injuries to yourself, your passengers and your car. Car insurance may protect your savings and home from lawsuits arising from car accidents.


Group insurance is offered to a group, usually through employment or a trade association, explains InvestorWords. The insurance provides coverage to individuals in the employment entity or trade association along with their dependents.


The main benefits of having car insurance include financial protection from costs associated with accidents and lawsuits, and assistance from the insurance provider in finding a reliable repair shop in the event of an accident, reports Esurance. Depending on the coverages, car insurance also pays fo


Some of the most common things included in a car insurance form are the personal auto policy, declaration page, privacy notice, and state and federal notices, according to DMV.org. The personal auto policy form lists exactly what is covered in the contract between the driver and the insurance agency


When a driver does not own a car but needs to insure it, one option is to buy a non-owner's car insurance policy. If the person insuring the car lives in the same household as the owner, another option is to list the owner as a driver on the policy.


When a customer pays a monthly premium to activate a new policy, rather than giving the provider a large payment for several months of prepaid coverage, that customer is enrolled in a policy without a down payment. Insurance companies set their own guidelines for down payments.


Car insurance policies with multiple car discounts, yearly terms, group discounts, lower levels of coverage, and those that combine different types of insurance are cheaper than standard policies, notes About.com. Car insurance policies are also cheaper if their cost is based on driving quality, whi


Policyholders may file a car insurance claim by contacting the insurance company and providing relevant details, according to DMV.org. Claims professionals at the insurance company usually discuss the situation with the claimant, explain the claimant’s coverages and evaluate the situation.


In general, the cheapest cars to insure are the most inexpensive and those that cost the least to repair, says Forbes. As of 2015, these vehicles include family minivans and SUV crossovers. Cars with lower horsepower and those that are unlikely to be stolen are also cheaper to insure, explains Kelle


As of 2015, State Farm, Allstate, Geico, Progressive and Farmers are the five most popular insurance companies in the United States as of 2013, according to Bankrate. Founded in the 1920s and 1930s, these five companies combined to write approximately half of all auto insurance policies in the Unite