Car Insurance Explained YouTube

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Visit our Car Insurance Explained on YouTube Channel Cars, Automobiles, Vehicle

Car insurance also known as vehicle insurance, motor insurance, or auto insurance is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Car insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.

car insurance in USA
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Common Car Insurance coverages


Also known as “other than collision,” this coverage can help pay for damage to your vehicle from vandalism, theft, weather events and accidents involving animals.


Regardless of who’s at fault, collision can pay for damage to your vehicle if you hit another vehicle or object, another vehicle hits you, or your vehicle rolls over.

Gap coverage

Gap insurance may help you cover the “gap” between what you owe on your car and your car’s actual cash value.

Uninsured motorist

If an uninsured or underinsured driver causes an accident that results in property damage and/or bodily injury, uninsured motorist coverage may help pay for damage and medical costs for you and your passenger(s).

Bodily injury liability

If you cause an automobile accident that results in injuries, bodily injury protects you by paying for damages you may become legally liable for as a result of the accident, including medical bills and loss of income for the injured party.

Roadside Assistance

Roadside Assistance coverage may even be available when you and your family household members are passengers in someone else's vehicle, or during a roadside emergency in which your vehicle is disabled.

Car Insurance in USA

Vehicle insurance, car insurance, or auto insurance in the United States and elsewhere, is designed to cover the risk of financial liability or the loss of a motor vehicle that the owner may face if their vehicle is involved in a collision that results in property or physical damage. Most states require a motor vehicle owner to carry some minimum level of liability insurance. States that do not require the vehicle owner to carry car insurance include Virginia, where an uninsured motor vehicle fee may be paid to the state, New Hampshire, and Mississippi, which offers vehicle owners the option to post cash bonds. The privileges and immunities clause of Article IV of the U.S. Constitution protects the rights of citizens in each respective state when traveling to another. A motor vehicle owner typically pays insurers a monthly fee, often called an insurance premium. The insurance premium a motor vehicle owner pays is usually determined by a variety of factors including the type of covered vehicle, marital status, credit score, whether the driver rents or owns a home, the age and gender of any covered drivers, their driving history, and the location where the vehicle is primarily driven and stored. Most insurance companies will increase insurance premium rates based on these factors, and less frequently, offer discounts.

Top Car Insurance providers in USA

can insurance in United States

In the United States in 2017, the largest private passenger vehicle insurance providers in terms of market share were State Farm (18.1%), GEICO (12.8%), Progressive Corporation (9.8%), Allstate (9.3%), and USAA (5.7%). Insurance is secured either by working with an independent insurance agent or with an insurance broker who is authorized to sell insurance policies. Some can represent from several agencies, or a growing number of online brokers who provide policy purchases through online sites.

Best Car Insurance Companies Ratings 2021 by Forbes


American Family



State Farm



Allstate Excellent



Erie Insurance


The most common types of car insurance

There are six main types of car insurance coverages that are available when you purchase a policy, which include:

Bodily injury liability

Medical payments or personal injury protection (PIP)

Property damage liability



Uninsured and underinsured motorist coverage

Is it worth having car insurance?

It's technically not required by law to purchase an auto insurance policy, but it is required to have some sort of proof of financial responsibility. Self-insurance is an acceptable alternative to a traditional insurance policy. Instead of buying a policy, you can obtain a self-insurance bond, which requires that you set aside the minimum limits required by law to use in the event of an accident.

For example, in California, the minimum liability limits required by law are 15/30/5. That means that any insurance policy you buy must cover at least $15,000 of bodily injury per person per accident, $30,000 max of bodily injury per accident, and $5,000 max of property damage per accident. That means the maximum liability your insurance policy could pay out is $35,000. Instead of purchasing a policy with those limits, you can give a bond carrier $35,000 to hold for you in the event you are involved in an accident, so that you can prove that you are financially capable of paying those amounts. You can cancel the bond at any time and they will return that money to you, normally with a small amount of interest added.

In order to be eligible to self-insure, you must fully own your car (no lease or lienholder), as a traditional full-coverage insurance policy is part of the terms of your finance agreement. You must also have $35,000 of cash lying around somewhere. That is the part that excludes most people from self-insurance.

If you are a good driver with an inexpensive car, self-insurance is probably not a very good idea, as a traditional minimum-limits liability policy premium would be pretty inexpensive. You'd have to go a lifetime without an accident in order for self-insurance to be worth it. There are also added benefits to a liability-only policy that a self-insurance would not give you, such as uninsured motorist coverage (In California, 1 of every 5 drivers do not have auto insurance) and medical payments.

On the other hand, if you have several points on your DMV record, a self-insurance policy could be a good idea. A policy for a driver with a DUI and a recently suspended license could get very expensive, and even if such a driver had an epiphany and became an extremely safe driver, they will still be charged for that DUI for the better part of a decade. A self-insurance bond does satisfy the SR-22 requirement imposed by the DMV. In the 7 years that a DUI would show on their record, they may have very well spent close to $35,000 in non-reimbursable premium on an auto insurance policy.

Self-insurance is a gamble. You are betting that you will not get into a moderate to major car accident while you drive. However, you are abiding by the law, and it will save you a ton of money if the gamble pays off. After doing a quick Quicken tally, I have spent $14,375 on auto insurance since 2004, and I have only had a handful of situations in that time where I have had to use it (totaling $5526). Had I self-insured, I would have saved nearly $9,000. However, the peace of mind that I get from knowing that I won't be in financial turmoil should I get into a major accident is worth the extra cost to me.

How are auto insurance premiums calculated?

New quoting software is very sophisticated and can include hundreds of variables. The most heavily weighted as you might guess include the type of vehicle and which features are included in your model, driving and claims history, insurance payment history and the distance you drive annually.

Beyond those basic factors every carrier is different so it’s a matter of finding the one that’s a good fit for you any given year.

Premiums are calculated on the basis of three basic factors namely:

The Insured Declared Value (IDV)

Cubic capacity of the vehicle

Age of the vehicle

It is important to note here that the calculation of IDV or the insured declared value is only meant for a comprehensive insurance policy and not third-party insurance cover.

In cases where the vehicle is older than 5 years, the owner of the vehicle and the insurance company will mutually arrive at a valuation of the vehicle after considering its depreciation and its present condition.

However, if you are looking for a third-party policy, the insurance premium will depend on the size of the engine.

What are good ways to save on auto or car insurance?

Raise your deductibles for collision and other than collision coverages.

That’s the fastest way and will have the greatest impact.

The downside is that you will have to cough up extra money in the event of a loss, but that should be an unlikely occurrence anyway.

You could also just check with your agent to make sure that you are taking advantage of all potential discounts (multi-policy, security system, roof age, etc.)

Outside of that, you would have to reduce your limits/coverage. That should only be a last resort measure and probably isn’t worth the small cost savings. You should also speak with a licensed insurance agent prior to doing anything like that as well.

Much like trying to secure a higher salary at your current job vs. moving to a different company, any major change is only coming if you switch companies.

10 Ways In Which A Driver Can Save Money On Car Insurance

Find out how to save on car insurance and check our website for free auto insurance quotes online.

  • Make sure all your cars are on the same policy. All insurers offer a “Multi-vehicle discount” for customers who insure more than one vehicle on the same policy. This can bring you consistent savings on all cars.
  • Insure your car and home with the same company. It is perfectly legal and it is also a great way to benefit of another discount.
  • Increase your deductibles. Raising your deductibles will lower your insurance premiums. Insurance was really meant to cover you for damages you could never afford on your own, so by agreeing to spend more from your own pocket, the insurer will ask for less money.
  • Think about dropping your collision coverage if you have an older car. If your car is getting up there in age, you may want to think about dropping the collision coverage on your policy since the rates for this plan increase drastically with the age of the car.
  • Maintain a clean driving history. Your driving record is one of the most influential factors in determining your insurance rate. Keep it clean and you will get good rates.
  • Drive a safe car. Insurance rates for cars are based on the previous claims history for that vehicle and statistics. The more likely a car is to be stolen or to be involved in an accident, the more you pay for insurance.
  • If you are a new driver, you should take a driver’s training course. Licensed drivers who have completed an approved driver training course in the last 3 years pay lower premiums. Safer drivers pay lower insurance rates.
  • Have an anti-theft devices and safety devices installed on your car. Insurance companies provide hefty discounts to those who invest in their car security and safety. If you already have an approved, factory-installed alarm in your car, we will take this into account when determining your rate.
  • Make periodic checks of the market. Many of your personal, professional and driving details change all the time, and so will the way auto insurance companies consider you. If you don’t compare insurance rates at least once or twice a year, you’ll never know if you could be paying less. Shop for auto insurance using online car insurance quotes.
  • Pay premiums annually, not monthly. Additional administrative fees are commonly applied to payments when you choose to pay premiums monthly.

We know that having insurance is a good thing, but we don’t always want to pay the premium. Insurance can be costly and most drivers view themselves as safe drivers. We don’t expect anything bad to happen so we avoid paying the extra cash for insurance.

The reality of the situation is that sooner or later we will all be in some kind of accident. We may get away with many situations in which we could have purchased insurance but we didn’t. This gives us the feeling that we don’t actually need the insurance because nothing bad ever happens.

It only takes one accident to overtake all the savings you’ve accrued skipping out on insurance in the past. Get into the habit of opting into insurance and you never have to worry about making a critical error in the future.

Just because of you opt-in for insurance whenever you can, doesn’t mean you have to pay full price.


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Perforacion de la nariz - ¡Cómo convencer a tus padres!

Conseguir su primera perforacion de la nariz es duro, ¡especialmente cuando se necesita obtener su aprobación de sus padres! Tanto si uno está en la escuela secundaria o casada con hijos, la aprobación de los padres acerca de las cosas significa mucho para ellos.

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Puede ser de gran ayuda el saber más sobre los problemas del piercing de nariz antes o después de hacerse un piercing.

Piercing de Nariz FAQ Para Todas Sus Preguntas

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Historia del Piercing Nariz a través de los tiempos

Un repaso a la historia del piercing de nariz


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ノーズピアスの治療方法 ノーズピアスはあなたのお顔を引き立てる素敵な方法です。ピアスをつける場所とジュエリーを選んだら、次のステップであるピアスの傷が早く癒えて出来るだけ順調に回復する正しいケアのテクニックへと進みます。ピアスの施術をした直後から正しいケアを始めていただけるように学んでいきましょう。 

鼻ピアス・問題と解決方法 超一流の専門医に施術をお願いをしたとしても、ノーズピアスの問題が起こる可能性があります。症状を事前に理解して賢く学んでおきましょう。

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ノーズピアスのケアとあなた ノーズピアスのケアについて更に学んでゆきましょう。ノーズピアスをする決意が固まった今、ピアスの傷を完治させる為に出来る限り最高のケアをご案内いたします。

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