Car Faqs
Car FAQs
  1. You can get your detailed and personalized auto quote in a few different ways:

    No matter which path you choose, we’ll make it easy and convenient! 
  2. You’ll want to be ready with names, addresses, dates-of-birth, and numbers of accidents/violations for all drivers in your household. And having your current insurance policy or declaration page handy is helpful, too.
  3. Your rate will be the same if you and your agent decide the same coverage levels, deductibles, discounts, and options you chose online, are the best options for you.
  4. To put it simply, a deductible is the amount you’re responsible for paying in the event of an accident, damage, or loss to your vehicle. Once your deductible is paid, your insurance kicks in to cover costs, up to your policy limit.
  5. That’s up to you, and your budget. A higher deductible means lower monthly payments, but you’ll pay more out-of-pocket if you file a claim. A lower deductible means a higher monthly payment, but will save you money if you file a claim. When you choose your deductible, think about the amount of money you’re comfortable paying out of pocket if an accident happens.

    Still not quite sure what your deductible should be? Your American Family agent can help you explore what makes sense for your budget.

  6. An auto insurance policy typically covers you, your spouse/partner, relatives who live in your home, and other licensed drivers who have permission to drive your insured vehicle.
  7. It depends. If you’re not concerned about minor cosmetic damage, your vehicle is paid for, or is on its last few good miles, then not buying comprehensive coverage could be a way to save on your insurance.
  8. There are a number of factors that go into determining the amount of coverage you need:

    • State requirements: The state you live in has a lot to do with the coverage you’ll need. Most states require liability coverage at a minimum. Your local American Family agent will know what’s required in your neck of the woods.
    • Vehicle Type: The type of vehicle you drive influences the type of insurance you might consider.
    • Leased or Financed Vehicles: Insuring a leased or financed vehicle will require you to carry collision and comprehensive coverage. This is how the lender or leasing company protects their investment. Once the vehicle is paid off, you can lower your premiums if you drop either collision or comprehensive coverage.
  9. Liability coverage pays for injury or property damage to others. There are two types:

    • Bodily injury liability: If you cause an accident that hurts someone else, this helps cover their injuries. It also helps protect you if you’re sued, up to your policy limit.
    • Property damage liability: If you damage someone else’s property, like their mailbox or car, this helps cover the costs to repair the damages, up to your policy limit.
  10. It’s not a good idea. In addition to hefty fines, your driver’s license and vehicle registration could be suspended. And the risks are even greater if you’re ever in an accident. Bottom line: If you’re going to drive, be insured.
  11. From good driving habits to protecting more than one dream with us – your smart habits can save you money. Take a look at some of the ways you could save here.
  12. Good question! Simply log in to My Account either on your desktop or in the MyAmfam App and click on the “Proof of Insurance” tab listed on the overview page. Don’t have My Account? No problem! Enroll today to view your proof of insurance, report claims and pay your bill in one, convenient location.
  13. If damage to your windshield is repairable, we’ll pay for it to be fixed — no need to pay your deductible. If it can’t be repaired and needs to be replaced, you’ll be responsible for your deductible, we’ll take care of the rest. Either way, we’ll do our best to get you back on the road quickly!
  14. It depends. Have you added Auto Rental Reimbursement Coverage to your auto policy? If you ever get in an accident and your car needs to be repaired, this add-on coverage will help pay for a rental car while yours is in the shop. Your agent can help add this smart protection to your auto policy.
  15. Congrats on the new vehicle! Adding it to your policy is easy, just give your agent a call and they’ll help take care of the details.
  16. An SR-22 Filing is a document or electronic certification issued by an auto insurance company that verifies to the state that you have an auto insurance policy with the state minimum liability limits. If you are required to maintain this filing, you will be notified by the state.

    State contact information for American Family’s 19 operating states:

    1. Arizona Department of Transportation 1-800-251-5866
    2. Colorado Division of Motor Vehicles (303) 205-5613
    3. Georgia Department of Motor Vehicle Safety (678) 413-8400
    4. Idaho Transportation Department (208) 334-8000
    5. Illinois Department of Driver Services (217) 782-3720
    6. Indiana Bureau of Motor Vehicles (317) 232-2840
    7. Iowa Department of Transportation (515) 239-1101
    8. Kansas Driver Control Bureau (785) 296-3671
    9. Minnesota Driver & Vehicle Services (651) 296-6911
    10. Missouri Department of Revenue (573) 526-2407
    11. Nebraska Department of Motor Vehicles (402) 471-2281
    12. Nevada Department of Motor Vehicles (800) 344-0483
    13. North Dakota Motor Vehicle Department (701) 282-5070
    14. Ohio Bureau of Motor Vehicles (614) 752-7700
    15. Oregon Department of Motor Vehicles (503) 945-5001
    16. South Dakota Motor Vehicles Division (605) 773-3541
    17. Utah Department of Motor Vehicles 1-800-DMV-UTAH (800-368-8824)
    18. Washington Department of Licensing (360) 902-3900
    19. Wisconsin Department of Transportation (608) 266-2353
  17. An SR-22 is a financial responsibility certification that is sometimes required for high risk auto insurance customers by the state Department of Motor Vehicles or Public Safety after you have been involved in an accident with no auto insurance, or if an accident is due to excessive driving violations on your part.
  18. The length of time required to carry the filing varies by state, but it is generally 1-5 years.
  19. The SR-22 will remain in place until the policy is cancelled or you instruct us to remove it.

    Have additional questions about SR-22? Your American Family agent is ready to help!

  20. Did you just buy a new car or truck? Gap insurance, or Guaranteed Asset Protection, is an optional coverage for newer cars that can be added to your collision insurance policy. It can pay the difference between the balance of a lease or loan due on your new vehicle and what your auto policy will pay if the car is considered a covered total loss. Gap coverage can be a very wise move, because vehicles depreciate in value quickly and the gap between what you’ve paid and what you owe can be substantial in the event of a total loss.

    Wondering if you need Gap insurance on your new car? Your American Family agent is ready to answer all your questions.

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