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Frequently Asked Questions 

How much auto insurance do I need?

All states have a minimum amount of coverage that drivers must carry on their vehicle. It typically includes liability insurance, which covers the injuries and property damage you cause to someone else in the event of an accident.

Although buying the minimum amount of coverage is an option, it’s usually best to buy more than the minimum in most situations. If you’re found at fault for an accident and you purchased just the state minimum liability coverage, you will have to pay for your car’s repairs.

Without the right type of car insurance coverage, those prices can be pretty high. Additionally, you’ll want to keep in mind that many auto lenders require that you carry more than the minimum amount of coverage before they will issue you a loan. 

What’s an insurance deductible and how does it affect me?

A deductible is the amount of money you need to pay before your auto insurance policy will kick in. You’ll need to consider deductibles when you’re purchasing a physical damage coverages such as comprehensive, collision and uninsured motorist property damage. Lower deductibles tend to accompany higher monthly premiums while higher deductibles accompany lower monthly payments. 

It’s important for you to consider your budget when choosing your deductibles. You’ll want to consider not only how much you can afford monthly, but how much you would be able to afford to spend before insurance pays to repair your car in the case of an accident.

How do I find a cheap car insurance policy?

Your search for auto insurance begins by collecting quotes to compare car insurance policies. You can get a quote instantly online from Humble Eagle. 

How can I get a cheap auto insurance quote?

There are many ways that you can get a lower auto insurance quote. To name a few: being a safe driver, getting a multi-car discount, and driving slower/safer vehicles can all lower your insurance rates. You can make sure that you’re getting the best price by shopping around. Humble Eagle makes it easy by letting you compare quotes from multiple insurance companies at once.

How fast can I get car insurance?

Your car insurance will usually take effect the same day that you purchase it. That means that you can purchase a policy and get back on the road the same day. However, be aware that new insurance can’t be used for accidents and other situations that have already happened, so if you’re thinking about purchasing a policy now to cover an accident that happened this morning, you won’t have coverage.

Will my auto insurance cover me if my car gets stolen?

Coverage for a stolen vehicle depends on which coverage you purchase. If you have comprehensive coverage, theft will be covered. Keep in mind that comprehensive coverage is typically required if you’re still making payments on your vehicle, but you may still want to purchase it even if you have it paid off. 

Does my car insurance cover a broken windshield?

This is going to depend on the type of coverage that you have. In some cases, windshield repair can be covered under comprehensive coverage and in others, you may be able to buy a stand-alone glass coverage with no deductible. Either way, we recommend having some kind of coverage for your windshield. 

Will I have coverage if I hit an animal, like a deer?

Comprehensive coverage will cover damages that result from hitting a deer, or any other type of wildlife. In this case, you’ll have to pay your deductible and insurance will pay the rest up to the actual cash value of your vehicle.

Can I still get low cost auto insurance if I don’t have the best driving record?

Yes! At Humble Eagle, we believe that everyone has the right to affordable car insurance. That’s why we work with most drivers to find a policy that works for them. You can get a quote instantly even if you have a history of DUI, an at-fault accident, or driving tickets.

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