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If you're getting behind the wheel, most states require you to have auto insurance coverage. Keep in mind New Hampshire only lets drivers drive around with protection. It allows New Hampshire residents to meet a financial responsibility requirement with insurance bonds, bank statements, or other alternatives. In short, if you cause an accident, you should have enough to cover the other party's damages. No matter which state you live in, the monthly premium for auto insurance is more accessible for the average driver.
When looking for car insurance, you can go directly to a car insurance company or use a broker like
Types of Auto Insurance Plans from Goosehead Insurance
Goosehead Insurance works with partners offering policies to drivers who may be considered "high-risk." These include teen drivers, those with multiple speeding tickets, or a DUI. So whether you have a perfect driving record or a few blemishes, you can expect the following policy options from Goosehead Insurance and its partners.
Liability coverage
You can get enough liability coverage to meet your state standards and protect yourself through Goosehead Insurance. Higher coverage limits are generally recommended, as medical and property damage costs can increase quickly. You may be on the hook for the remaining fees if you cause a significant accident with minimal liability coverage. However, Goosehead's provider partners offer full liability coverage options.
Goosehead Insurance works with companies including Progressive, Safeco, Nationwide, Travelers, and more. So Goosehead customers could buy $1 million liability coverage if desired.
Collision coverage
When you're on the road, anything can happen. Accidents can and do happen all the time. Collision coverage protects the policyholder from car damage costs associated with a collision with another vehicle, fixed objects, or person.
So whether you get into a car accident or back into a light pole, collision coverage will pay for damage for certain qualified events. The limit is based on the type of car you drive. But your auto insurance also covers rental cars for a short period, should you need it. Keep this in mind next time the rental car company asks you if you want to buy its insurance.
Comprehensive coverage
It's not just collisions you want to protect yourself against. Comprehensive coverage fills that gap. In addition, comprehensive coverage protects policyholders after vehicle damage due to collisions with particular objects, fires, floods, or damage due to theft or vandalism.
Liability coverage covers your responsibilities to other parties on the road. Comprehensive coverage protects your car in different situations. Examples would include a tree falling on your car or a collision with a deer. Generally, auto loan companies will require collision and comprehensive coverages.
Additional Coverage Options (Riders)
Shopping for car insurance coverage is about protecting all your bases. That can mean purchasing collision and comprehensive coverage and ensuring you have sufficient liability coverage. This is sometimes referred to as "full coverage," though exact definitions may vary.
Uninsured/underinsured coverage
Getting into an auto accident isn't anyone's idea of a good time. But it could spell trouble and have more financial consequences if you get hit by an uninsured or underinsured driver. In no-fault states, you would file your claim with your auto insurance company, and your PIP coverage would cover medical costs for you or your passengers. Your insurer is then responsible for pursuing any reimbursement after the fact. You should file a claim with the other party's insurer in an at-fault state.
Uninsured/underinsured coverage fills the gap if the person who hit you is not covered. Coverage also kicks in if a hit-and-run driver hits you. Uninsured/underinsured motorist limits are matched to your liability coverage. So if you choose state minimums on your liability, you'll get state minimums for uninsured/underinsured motorist coverage. It will also rise if you push your liability coverage to $1 million. Pricing is generally low, especially when compared to comprehensive and collision coverages.
Medical payments
Car insurance can cover more than vehicles. For example, if you're in a car accident, you or the passengers in your vehicle could get hurt and need medical attention. Currently, 12 states require PIP (personal injury protection) coverage as part of the minimum auto coverage. Many auto insurance companies add $10,000 at a minimal cost to the policyholder. PIP could cover ambulance rides, minor injuries, and more.
PIP usage does not account for fault or injury-related liability coverage. Accident-related injuries ideally should not be paid for through your traditional health insurance.
Another type of coverage you can ask a Goosehead Insurance agent about is an Umbrella policy, which can help you if you've maxed out your liability coverage limits. Getting into an accident can mean hefty medical bills, car repairs, and potential legal fees. Generally, it's paired with auto, home, renters, and other insurance types. As the name suggests, umbrella coverage offers flexible coverage to supplement other policies. Buyers often add umbrella policies because buying the same coverage for individual auto, home, and other policies would cost significantly more.
Gap insurance
Consider gap insurance if you've financed a vehicle or put a small down payment on a car. Gap insurance can help you in the event of an accident as it pays the difference between the value of your vehicle and the remaining balance you owe. Not all Goosehead Insurance's partners offer gap coverage, but agents will recommend it if they think it's a good fit.
If you're interested in adding gap insurance, ensure you know what you're getting. You may have gap coverage built into your auto loan. Additionally, gap coverage may only cover a specific dollar amount. So if your "gap" is greater than that limit, you would still be on the hook for the extra value in the event of a total loss.
How Much Does Goosehead Auto Insurance Cost?
You'll input your home address, including your full name, birth date, gender, and marital status. Next, you can click on the small text below to confirm you're only interested in auto coverage instead of home and auto. You'll then be asked about covered drivers and vehicles. Then you'll provide your email and phone number. In some states, the carriers may run a credit report. Five states have illegalized using credit scoring to set insurance premiums, but the other 45 states allow it. At this time, Goosehead uses credit scores in states where it is permitted.
Some clients may get a quick quote online. The site directed us to call an agent when inputting the information below. Some partners, like Progressive, also allow customers to generate quotes online. The difference is Goosehead will repeat the process with several providers for you. So you only have to answer the same questions once.
Source: Goosehead Insurance Get a Quote
The amount you pay for car insurance coverage is based on numerous factors. For example, the type of coverage you're purchasing, your gender, your driving history, and where you live may impact your rate.
How to File a Claim
Once signed up with
Someone on the claims team at Goosehead Insurance can advise you and act as a concierge during the claims process. Plus, you'll get a follow-up to ensure the company handles everything correctly and you're satisfied moving forward.
FAQs
Where is Goosehead Insurance headquarters located?
The
What auto insurance companies does Goosehead work with?
Goosehead works with many auto insurance partners. Depending on where you live, you may get quotes through providers like Progressive, Safeco, Nationwide, and Travelers. Many favored auto insurance companies are regional, meaning the company is only licensed in certain states. Goosehead connects buyers to partner companies in their state of residence.
Who is the CEO of Goosehead Insurance?
The CEO and chairman of Goosehead Insurance is Mark E. Jones. Mark Jones and his wife, Robyn Jones, started the company in 2003.
How much does Goosehead charge for insurance quotes?
As a broker, Goosehead is paid by the insurance company once a policy sells. Typically, commissions are comparable between different insurers. So there's no reason the company should charge customers.
Methodology: What Went into Our Goosehead Insurance Review
The state dictates basic auto insurance. First, the state decides how much liability coverage you need. Then you select collision, comprehensive, and other coverage. Some states also require limited PIP medical coverage. Prices vary widely, and claims service is often a defining feature of reliable auto insurance companies. We factor all these things in to compare different insurance options. Then you can make an informed decision.
You can get an in-depth breakdown of our insurance rating system here.
Compare Goosehead Insurance vs. State Farm
The companies offer similar coverage options, including collision insurance and comprehensive insurance. Goosehead also has insurance partners providing competitive pricing. However, agents cannot quote State Farm products.
Goosehead agents are well-versed in its insurance partners. However, you may get fewer discounts than with State Farm. In addition, bundling policies may be more challenging if you want homeowners, umbrella, renters, or other insurance through Goosehead. At this time, State Farm ranks highly compared to other auto insurers listed in the latest
Compare Goosehead Insurance vs. Allstate
Allstate is another car insurance provider working exclusively with captive agents. So if you work with Goosehead Insurance and its partners, you won't get a quote through Allstate. Like
Along with its memorable "Mayhem" commercials,
Compare Goosehead Insurance vs. insurance bonds
An insurance bond is typically more expensive each time you have to renew. Additionally, it only covers a driver's liability needs. If another driver hits you, you must wait for the other driver's insurance to process your claim. If you hit another driver, you must buy a new bond to fulfill the state requirements again. In the long run, auto insurance with Goosehead's partners is often much more affordable.