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Auto Insurance FAQs

Who has the cheapest auto insurance?

The cost of auto insurance varies based on individual circumstances, including driving history, vehicle type, and location. It’s best to compare quotes from multiple providers to find the most affordable option for your needs. You can use our online tool to compare car insurance rates.

Comprehensive auto insurance covers damages to your vehicle that are not caused by a collision, such as theft, vandalism, natural disasters, and contact with animals.

A deductible is an amount you pay out of pocket before your insurance coverage kicks in after a loss. Choosing a higher deductible can lower your premium, but it means more out-of-pocket expenses when you file a claim.

The amount of coverage you need depends on several factors, including your vehicle’s value, your personal assets, and your state’s legal requirements. Speak with an insurance agent to determine the right amount for you.

To shop for auto insurance, start by determining your coverage needs, then compare quotes from multiple insurers, check for discounts, and read reviews to ensure you choose a reputable provider.

Windshield replacement is typically covered under comprehensive insurance if the damage is caused by something other than a collision. Check your policy details, as some insurers may require separate glass coverage.

Many auto insurance policies do extend coverage to rental cars. However, it’s essential to check with your provider as coverage may vary. Consider the rental company’s insurance for additional protection.

Auto insurance is generally not tax-deductible for personal use. However, if you use your vehicle for business purposes, a portion of the premium may be deductible.

It is illegal to drive without auto insurance in most states. Driving uninsured can result in fines, license suspension, and financial liability in the event of an accident.

Yes, many insurers offer discounts for things like safe driving, multiple vehicles, anti-theft devices, and completing defensive driving courses. You can learn more about discounts with Univista Insurance here.

No, specifically Univista Insurance offers free quotes online, over the phone, or in person.

Factors such as your age, driving record, credit history, vehicle make and model, and the amount of coverage you choose all affect your auto insurance rates.

Liability insurance covers bodily injury and property damage that you may cause to other people in an accident. It does not cover damages to your own vehicle.

Most traffic violations can lead to higher insurance premiums due to an increased risk perception by insurers. The impact varies depending on the severity of the violation.

This coverage protects you if you’re in an accident with a driver who either lacks sufficient insurance or has no insurance at all.

Yes, you can cancel your auto insurance policy at any time, but you may face cancellation fees or penalties depending on your provider.

To file a claim, contact your insurance provider as soon as possible after an incident, provide the necessary documentation, and follow their claims process.

Collision insurance covers damage to your vehicle from a collision with another vehicle or object, while comprehensive insurance covers non-collision-related damage.

You can lower your premium by raising your deductible, maintaining a good driving record, applying for discounts, and regularly reviewing your policy for any changes that could reduce costs.

If you’re involved in an accident, ensure everyone’s safety, call the police, exchange information with the other driver, and report the accident to your insurer.

Consider additional coverages like gap insurance, rental reimbursement, or roadside assistance based on your needs and vehicle value.

You’ll need to provide personal information, details about your vehicle, and your driving history to get an accurate auto insurance quote.

Insurance agent
Insurance agent
Insurance agent

Still have questions? Speak to a Univista Insurance expert now.

Let us simplify the complexities and tailor solutions perfectly suited for you.

(305) 995-0032

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