Frequently Asked Questions About Insurance

Do you offer all types of insurance?

Yes. Insurance Box can find a policy that works for you, no matter what the coverage.

Where is Insurance Box located?

For a map, driving directions, our address, and our phone number (in case you get lost), click here.

How long does it take to complete a free auto quote?

About 5 minutes or less.

What factors are taken into consideration when insurers decide to cancel or renew my policy?

Usually any claims on your policy or issues with your driving or credit history will be taken into account before an insurance company
cancels or renews your policy.

Our teenager just got their license, but we don't let them use a vehicle. Does he still need coverage?

Yes. Every licensed driver in the household must be listed on your policy unless they have their own. This includes students who use the
address for their residence or visits often.

What's an SR-22 or DUI insurance?

An SR-22 Form is a document that provides proof of financial responsibility (ability to pay) required by courts. This is filed by your insurer
to prove that you have auto liability insurance. Sometimes required for other things varying by state and traffic law.

Why does my auto insurance rate change when I move?

Rates are based on the cost to the insurer and its risk. Number and degree of severity of claims as well as traffic patterns, population
demographics, and the cost of goods and services.

What kinds of discounts am I eligible for?

See our dedicated info page to find possible discounts.

Why do younger (and/or male) drivers have to pay more for auto insurance?

Generally speaking, between one old and one young driver (and assuming both parties have a clean driving and credit history), the
younger driver will pay more (think 20 compared to 30) for their auto insurance. This is mostly based on driving experience. The younger
driver is less experienced on the road, in most cases, thus the chances of them being involved in an accident are far higher than the
older driver due possibly to many reasons, including following too closely, speeding, stopping too slowly, "freezing" in a moment of panic
when an older driver might have kept their composure, etc.. Younger drivers simply get in more accidents and accrue more traffic
violations than older drivers. Male drivers also pay more than their lady counterparts due to younger males being more associated with
reckless driving and more severe accidents.

What's a "deductible?"

Your deductible is the amount that you are responsible to pay when loss occurs under the coverage of your policy. Raising your
deductible will reduce your auto insurance costs, but cost you more in the event of loss (again, under the comprehensive or collision
coverage of your policy). Take your time when deciding the right deductible amount for you and your family.

Does the color of my car affect the cost of my coverage at all?

The answer is "No," despite common misconception. A bright red convertible is no more expensive to insure than its black counterparts.

What is the minimum auto insurance coverage necessary in the state of California for vehicle registration?

From the California DMV official website: "Financial responsibility is require on any vehicle operated or parked on California roadways."

$15,000 for injury/death to one person
$30,000 for injury/death to more than one person
$5,000 for property damage

Comprehensive and collision insurance are optional (though recommended), but not on leased or financed cars. The technical "owners"
of your vehicle want it protected.

Can life insurance be collected after your suicide?

Most insurance companies have a specific clause or provision in their life insurance policies stating that beneficiaries would not be able to
collect the death benefit in the case of suicide for two years after the policy is bought.

Can I insure a pet?

Absolutely. Many companies offer pet insurance policies.

When is the best time to buy life insurance?

If you don't have it already, now. However, the best time is when you are young and healthy (before you develop any medical conditions).

Other reasons: Married and starting a family, having elderly parents, preparing for child's college costs, large estate, paying mortgage or
for other big purchases.

Does homeowners insurance cover water damage or earthquake damage?

Earthquake damage, though easier to explain, is not covered by standard policies. Some companies may not sell earthquake policies, so
one may have to find a different company outside of their own to get covered.

In standard policies, water damage due to flooding, by a pipe bursting, leaky roof (only if not caused by lack of maintenance), or for
gradual damage caused by a leaky sink or whatever (mold accumulating in the basement, for example), is not covered. Separate flood
coverage needs to be purchased in that case, but the other problems will not be covered at all.

How do I find insurance records for the previous owner of a vehicle?

This often comes up when people buy used vehicles (whether from private owners or car dealers). If, when asked, the previous owner
hesitates to show you insurance records, there may be something wrong with the car's condition. If going through a car dealership,
contact the DMV with the VIN (Vehicle Identification Number) number and ask for a copy of the title transfer (the latest, usually). From this,
you'll obtain information regarding the car's previous owner and contact information. It may also list the insurance company who
previously covered the car.

Request all records of claims linked to the vehicle through that insurance company (though they are not required to give the information
to you).

If short on time, try an information agency like CARFAX.

When is it time to switch from full coverage to liability?

When the value (fair market value, that is) of the house or car is smaller than the premiums needed to pay for full coverage.

Is car insurance cheaper if you buy instead of lease?

Assuming the same car in the same condition with the same driver(s), no. The value of the car itself is what determines the cost of
coverage.

Am I covered while driving someone else's car?

With apologies for the ambiguity, the answer is, "Possibly." Many insurance companies do cover permissive use (allowing someone else
to use your vehicle), but most don't. Also, many insurance companies will not cover you while you drive another person's vehicle. To
determine if you are covered, contact your insurance company and the insurer of the vehicle you will be driving.

What is "full coverage?"

When insurance companies refer to policies as "full" coverage (implying more complete than not), they mean that pretty much anything
that could go wrong would be covered. Some "full" coverages have lower deductibles than other "full" coverages (and there's much more
than just the deductible difference, but we'll leave it at that for example, so they aren't all the same. Make sure to get all the detailed
information on your policy from your insurance company.

Can I get insured without owning a car?

Absolutely. There are many non-owner insurance coverages and policies available that will cover you in whatever car you drive (outside
of business/commercial).
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