About This QuizDo you know everything you need to know about auto insurance to make sure you're getting the best rates on your family policy? Take this quiz to test your knowledge.
Which of these insurance coverages pays to repair or replace the other person's vehicle?
Property coverage not only covers the other vehicle if you're at fault, but also any property damaged in the process.
Which of these covers the personal injury of people involved in an accident?
Bodily injury liability coverage, usually just referred to as liability, pays for all medical bills of any humans involved in an accident.
Which of these covers your car if you're in an accident you caused?
Collision and comprehensive coverage pays to repair or replace your car if it's damaged in an accident where you were at fault.
Which of these covers in-home care that's needed as a result of an accident?
Personal injury covers your in-home care, as well as reimburses lost wages during recuperation from an accident.
Which of these covers a hit and run accident?
Uninsured motorists not only covers you if you're the victim of a hit and run, but also if you're hit by someone with little or no insurance.
True or False: You should switch insurance companies every year.
While it's good to compare rates every year, it often pays to stick with the same agency. After a couple of years with no accidents, you may qualify for a safe driver discount.
What impacts insurance rates for teens?
A student with a B average or better may get you better rates on their insurance.
What car equipment will get you a discount on your car insurance premium?
both a and b
Safety equipment such as anti-lock brakes and air bags will get you a better deal on your car insurance.
Which car will cost you less to insure?
Economy cars, like the Hyundai Elantra, are smaller, lightweight, cheaper to buy and cheaper to insure.
Both cost the same.
What are some other things you can do to lower your insurance rates?
Group your policies.
Take a defensive driving course.
Both a and b are correct.
Grouping your home, auto and liability insurance policies will get you a break on your rates, as will completing a defensive driving course.