In general, purchasing auto policies is such a daunting task, filled with numerous questions to answer, forms to fill up, and countless options to choose from. The availability of fast, free instant auto insurance quotes makes securing a vehicle anywhere in the US a lot more convenient. However, the fact that you are getting instant auto insurance quotes does not mean you should go ahead and make an impulse purchase. Some motorists forget to pay attention to close details and answer seemingly trivial questions when purchasing policies. Questions can include: what coverage level do I need? What minimum limits is mandated by my State? Does driving a safer car affect premium rates?
A classic question that most drivers get confused with is, who is getting insured in buying auto polices – is it the owner of the car or the car itself? In essence, the main goal of auto polices is to insure the vehicle, and not the person who will drive the vehicle. Most drivers who look for instant auto insurance quotes and eventually purchase the best offer they see does not seem to know the answer to this question. Confusion in this small fact sometimes leads to steep premium prices which could have been avoided if motorists bought coverage policies that best fit their vehicles. If an automobile is involved in a collision or a road accident, a driver is covered. If a driver incurs injuries while in an insured car, he is covered. Also, if someone else, a passenger or a third person, is physically injured in a vehicle, he is covered. If, a random person crossing the street or a piece of property is damaged by that car, the property of the person is also covered.
The driver comes into the picture at the time of the actual policy purchase - when an insurance representative does business with a motorist and transforms instant auto insurance quotes into deals about to be purchased. In buying coverage policies, application forms will always ask for information regarding all individuals who will be driving the vehicle. This step is important in computing for premium coverage rates. Some insurance companies require all applicants to list all household members who may operate the car. In instances where a family member is below driving age or got involved in collisions in the past, an insurer may deny the application. About the actual owner of the car, he is normally the person who is named insured. He will be covered and premium rates are based generally on his driving record.