One of the interesting contrasts we found was between teenaged and elderly drivers. According to the AAA Foundation of Traffic Safety’s 2014-2015 American Driving Survey, drivers aged 16-17 crashed their vehicles more than any of the other age groups. When it comes to fatal crashes, however, the same group is tied with drivers aged 80 and above. Both groups ranked higher than others in that category, as well.
Car insurance requirements vary by state. In most states, you are required to have both bodily injury and property damage liability insurance. Some states require coverage to help pay hospital bills and medical expenses for you and your passengers related to injuries from a car accident, no matter who is at fault. Some states require that you protect yourself from uninsured or underinsured motorists. Ask your local independent agent for personal advice about making sure you’re adequately covered.
Underinsured motorist coverage reimburses you, a member of your family, or a designated driver if one of you is hit by an uninsured driver or a driver who doesn’t have sufficient insurance to pay for your total loss. This coverage also offers protection in the event a covered driver is the victim of a hit-and-run or if, as a pedestrian, you are struck by an uninsured or underinsured motorist.
In choosing what auto insurance to purchase, you may be tempted to reduce your expenses by looking for an auto insurance with the lower amount of coverage or by raising your deductibles. While these two factors obviously affect car insurance costs, there are other considerations, some of which are not under your control, that can impact the price of auto insurance premiums.
Drivewise: Allstate rewards you with up to a 3% discount just for using its Drivewise app, which analyzes your speed and braking behavior, as well as what time of day you drive. You can earn an additional 15% back after your first 50 trips and every six months you drive safely afterward, and earn rewards points toward shopping discounts. Even non-customers can sign up for the rewards points program, but it’s not available in every state.
Illinois is still one of three states in the US that doesn’t enforce helmet-use among motorcyclists. It’s still an ongoing debate in the state, but using a helmet is highly encouraged because it can protect you from debilitating injuries. It’s also best for motorcycle riders to wear high-visibility clothing, especially when driving on busy highways.
Please note that this website provides only a summary of auto insurance, written to illustrate in general terms how auto insurance works. Your insurance policy is the legal contract that contains the terms and limitations of your coverage. You should carefully review the contents of your policy. All products and coverages are subject to availability and limitations. Whether an accident or other loss is covered is subject to the terms and conditions of your insurance policy.