Daily Brief:US Car Insurance Quick Tips

US Car Insurance Quick Tips

✅ Mandatory
Bodily Injury Liability — pays for other people’s injuries
Property Damage Liability — pays for others’ car & property damage

✅ Optional
PIP: covers your own medical bills
UM/UIM: protects you if the other driver has no / not enough insurance
Collision: fixes your car when you’re at fault Comprehensive: theft, fire, flood, hitting animals, falling debris
Add-ons: glass coverage, roadside help, rental reimbursement

Deductible = the money you pay first. Lower deductible = higher premium.

Do you have to buy insurance?
YES. Required in most US states.
No insurance = big fines, suspended license, even jail.
Arizona fine: $900–1060.
You can get hit even if you drive super carefully.

How to save on insurance?
Compare quotes: Geico, State Farm, Progressive…
Don’t auto-renew! Re-quote every time.

Mid-policy switch is okay, you get prorated refund.

Grab discounts: good student, dashcam, safe driver, bundle home + auto insurance.

Talk to an agent, use your best online quote to negotiate.

Chinese-speaking agents are available.

Insurance follows the car or driver?
Liability follows the driver.

Collision & Comprehensive follow the car. Only valid when the owner lets you borrow the car.

If you borrow a car and crash: owner’s liability pays first.

No coverage if you take the car without permission.

⚠️ Don’t lend your car out. It’s risky.

Quick note: New drivers & nice cars → full coverage.

Old cheap car, safe driving → minimum liability only.

After accident: take photos and call insurance.

Skip police for tiny scratches, to avoid bad driving records.

SHIJUN Automobile Factory

Automotive Body Parts Manufacturer

OEM / ODM | Sample & Drawing Based

Design • Tooling • Production

Factory Direct • No Middle Margin