Car Insurance

Can we answer your car insurance questions?

Would you like a quote on your current policy? We're always willing to offer a "2nd Opinion". Contact us for more information.
In the meantime, here is a good publication with some basic knowledge to get you started. Click Here for ways to save on your automobile insurance.

Car Insurance Coverages


Loan/Lease Coverage (also known as Gap Insurance)
If you have a loan on your car or you have leased your car, you must have Collision & Comprehensive coverage. If that car is stolen or declared a total, your insurance company will pay the actual cash value of the car. The actual cash value can be a lot lower than what you owe on your loan or lease amount. Your lender or lease company will hold you responsible for paying the difference between the actual cash value and the amount left on the loan or lease. Loan/Lease Coverage/Gap Insurance is offered by most insurance companies. Cost will vary by insurer, but average around $25 - $50 per vehicle.

Accident Forgiveness
  • May be offered as part of an additional endorsement - or coverage option - for an additional cost.
  • Costs vary by insurer.
  • The insurance company does not erase the accident from your driving record. Instead, the insurer only agrees to not include an accident in the calculation of future premiums.
Renting a Car
When renting a car, how do you know if you need the Collision Damage Waiver?

Although most collision damage waiver (CDW) or loss damage waiver (LDW) fees are considered outrageous, most consumers should consider purchasing the CDW/LDW for short-term rentals. Why?

Because rental car companies are charging ever-higher fees and penalties for losses and expenses not covered by most auto policies or credit cards. For a more detailed explanation, read this article: Top 10 Reasons to Purchase the Rental Car Damage Waiver

Parents of Teen Drivers

Is your teen talking about getting a driver's license? Is your teen saving to buy a car? We want to make adding a new driver as easy and economical as possible, while still providing protection for your family.
  • Surprise your kid by knowing all about the Junior Operator Law. By enforcing these rules, you will be allowing him/her to learn to drive without distractions.
  • Is it time to increase your liability coverage? Touch base with us to talk about the cost of higher limits on your car policy.
  • Is it time to consider an Umbrella Policy. This type of policy will plug the liability gaps (over & above your home & auto policies) for about $250 a year.
  • Get a Homestead Act. Find out how easy and inexpensive it is to protect your home in case of a lawsuit.
  • They offer deals throughout the year. Some insurance companies will give you a discount after completing the defensive driving class. But even if there is not a discount, this class is AMAZING! And well worth the money!
  • Once your son or daughter gets that license, you have 60 days to tell us. After that, if he/she isn't listed as an operator and is involved in an accident, a claim can be denied.

Teen Drivers

Are you getting your driver's license soon? The privilege of driving is costly. Use the following information to convince your parents that you are an incredibly responsible young adult!
  • Take two Driver's Ed Classes. The "regular" one will save you about $250 a year for the first 3 years. The In Control Family Foundation class will save you 5% every year on your car insurance.
  • Which car will you be allowed to drive? The number of cars and drivers in your family has a big impact on your insurance premium. If you are an "occasional operator" on your family's car, the cost to add you is between $1200 and $1500 a year. If you are the "principal operator" of a family car or your own car, the cost to put it on the road with minimum coverage is about $2000 a year. If there is a loan on that car, the cost jumps to over $2500 a year! A car without a car loan is a wise decision for the first three years. As you become more experienced and prove that you are a safe driver, the cost will greatly decrease.
  • Get good grades in school! If you're a high school or college student and your average is better than a B or a GPA of 3.0, you'll earn a discount. We just need a copy of your most recent grades.
  • You've got 60 days to tell us that you received your license. After that, if you are not listed as an operator and you are involved in an accident, the claim can be denied.
  • Just get your license - even if you just can't afford to own or drive your family's car yet. You'll be getting credit toward being a "safe driver" - even if you don't drive.

Car Insurance Discounts - if you earn them, we will get them!

Account Credit
  • If your car policy is written by the same company that writes your homeowners, condo insurance or apartment insurance, you'll save between 9% - 10% on the car policy.
Advanced Driver Education Discount
  • Most companies offer a discount from 5% to 10%
  • Must complete the class at In Control Family Foundation
  • Contact us - sometimes savings on the class are available.
  • InControl offers gift certificates - an excellent idea for your son, daughter, niece, nephew, or grandchild.
Anti-Theft Discount
  • Varies by company
  • Varies by type of alarm system
  • 5% to 36% on Part 9
Good Student Discount
  • The amount varies by insurer.
  • Between 5% and 10% on one vehicle.
  • Student must be a listed operator with with less than 6 years driving experience.
  • Must be a full-time high school, college or university student.
  • Must have a B/3.0 GPA, or be on the Dean's List, Honor Roll.
  • Copy of the most recent report card must be provided.
Student Away at School Discount
Some companies offer this discount. The amount varies by company (5% - 10%). Some companies do not allow this discount to be combined with the "Good Student" discount. In this case the higher of the two discounts will apply. The student must qualify:
  • Must be a listed operator with less than 6 years driving experience
  • Must be a full time high school or college student
  • Must attend a school located more than 100 miles away from home
  • Cannot have regular access to the covered vehicle while at school or on weekends.
  • Can use the car on breaks and summer vacation as long as he/she remains enrolled at the school and resides on or near campus during the regular school year.
Hybrid Discount
  • For any hybrid car, you'll receive a 10% discount on Parts 1, 2, 4, 5, 7 & 9.

Low Mileage Discount
  • Varies by company.
  • 5% to 10% savings on Parts 1 - 8 & 12.
  • Calculated on the mileage between last two annual inspections.
  • Contact us after your inspection & we'll check!
Rewards for Safe Driving (Merit Rating)
  • Eligible if you have a SDIP of 98 or 99.
  • 10% to 25% discounts.
Multi-Car Discount
  • Varies by company.
  • 8% to 10%
  • Two or more cars with the same company.
Public Transit Discount
  • Varies by company.
  • Must provide proof of purchase of eleven monthly passes/tickets during the 12 month car policy period.
Renewal Credit
  • Varies by company.
  • Between 2% to 8%
65 or Older
  • 25% Discount