Auto insurance is essentially two types of coverage: accident and theft. The accident part of it includes bodily injury liability, property damage liability, medical payments, collision, comprehensive, uninsured or underinsured motorists, and extras, such as towing or other roadside assistance. Bodily injury liability covers people in the cars who may be injured or worse. This coverage can include medical bills, loss of income, and other expenses for you and/or for the other driver and passengers.

In the old days, many vehicle owners took the details of their insurance policies for granted. It used to be “no big thing” to allow somebody else to take off in your car, but nowadays, some insurance companies are warning that it’s best to be cautious in handing over the car keys. In reality, the question of coverage for car borrowers falls into a kind of gray area within the insurance industry. It’s not always a cut and dried equation. Here are some of the details about when your friend or relative will be covered if they have an accident while driving your car.

Fall and winter present tricky and hazardous driving conditions for all drivers- experienced and inexperienced. Wet leaves, low sun, cold temperatures, rain, snow, and ice mean every driver needs to pay closer attention to their driving and to road conditions. As temperatures begin to fall and weather gets harsher more cars take to the road. With wet, icy conditions and lower visibility, fall and winter are prime times of the year for accidents to occur, and it is the most active period of the year for auto claims. Accidents raise auto insurance premiums so it is to your advantage to prepare for bad weather and drive as safely as possible to keep your insurance costs down.

There are a number of ways to get cheap car insurance premiums. Here at Cheaply Insured, we always recommend shopping around for quotes from top providers. While that’s a surefire way to reduce your monthly premium, there’s another option that can lead to huge savings and it’s totally up to you. If you’re in market for a new vehicle, making your choice from the cheapest cars to insure list could literally save you thousands.

There is nothing more valuable than the lives of you and your children. Have you stopped to consider what would happen if you were involved in a car accident and you or your child sustained life threatening injuries or injuries that required ongoing care? We try not to think about the unpleasant possibilities but the reality is that such situations do occur. Medical bills, apart from the cost or repairing or replacing your car can be astronomical.