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. You can find your proof of insurance card in MyAccount. When you login to your account you can get to it by clicking on the “Your Policies” tab. On that tab you’ll see your policies listed and a green button next to it labeled “Proof of Insurance.” When you click the button you’ll be able to view or print your card.