Pending insurance claims fell 50% to 60% at the same time, says Kyle Schmitt, vice president and managing director of insurance intelligence at J.D. American Family Insurance is proud to announce we’ve been named #1 in Customer Satisfaction with the Auto Insurance Shopping Experience Among Midsize Insurers in the J.D. You asked us for a better way to shop for affordable auto insurance — and we delivered.
Check with your credit card company to see if they offer roadside assistance benefits to cardholders, which might allow you to drop this feature from your auto insurance policy. Incidentally, some companies may also provide an auto insurance discount if you maintain other policies with the firm, such as homeowners insurance. Allstate, for example, offers a 10% car insurance discount and a 25% homeowners insurance discount when you bundle them together, so check to see if such discounts are available and applicable. One of the sub-categories of liability coverage is bodily injury. This type of liability insurance is required by law in most states.
With the ongoing development of technology in cars to help us drive safely, there is an opportunity to help raise awareness of your driving behaviors. Most married couples as less active and more cautious than their single peers. When it comes to driving, they’re less likely to be involved in an accident. Your estimated annual mileage shows how much you’re on the road, and therefore how much risk you are at for an accident.
- That way, you can get quotes for the same coverage from each insurer and compare apples to apples.
- However, a driver with excellent credit (a score of 800 or higher, in The Zebra’s survey) got the lowest rates with USAA, GEICO and State Farm.
- The results of recommendations developed by WEA Financial Advisors, Inc., cannot be guaranteed.
- Visit the website for each insurer to get car insurance quotes.
- If your car is under a loan, however, it’s common for lenders to require both comprehensive and collision insurance.
Finally, MoneyGeek has tools for you to compare quotes instantly. If you want to see how a combination of age, location, vehicle type, driving record and other factors combine to make a unique quote, you can use MoneyGeek’s car insurance calculator below. Our best advice is to figure out what’s most important to you when you’re buying car insurance. Then you’ll want to compare quotes and just pick the cheapest option. Then read customers’ reviews of their insurance companies to find out which ones are most responsive and helpful.
On top of that, we have offices you can visit in the following states. Insurance related services offered through Credit Karma Insurance Services, LLC, which does business in some states as Karma Insurance Services, LLC. Auto, homeowners, and renters insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance how does auto insurance work Services, LLC; CA resident license # ). You may also want to search for consumer complaints and financial information about the company on theNational Association of Insurance Commissionerswebsite. It also provides protection if you’re the victim of a hit-and-run or you’re a pedestrian and get hit by an uninsured or underinsured driver.
How To Compare Car Insurance Quotes
Online quoting tools give you the freedom and flexibility to get as many quotes as you want, on your own time, without having to make a trip anywhere or even a phone call. With today’s technology, it is possible to quickly and conveniently obtain multiple accurate auto insurance quotes online to help you find your best deal. An insurance quote is a breakdown of the coverages you want and an estimate of the annual premium and deductible for those coverages. When seeking quotes online, you will answer a variety of questions, which help the insurance provider to determine how to prepare your estimate.
Underinsured motorist protection covers damage over and above what a driver with state minimum insurance (or another bare-bones policy) can pay. It’s our job to make sure that shopping for your next auto insurance policy is simple, straightforward, and most of all, is a time and money-saving process. Below are a few considerations and discounts to take into account when you’re getting started on finding great auto insurance rates. For example, teen drivers tend to have higher auto insurance rates because they tend to be more likely to get into fender benders or get speeding tickets.
How much auto coverage you purchase is a personal decision. Insurance is designed to provide financial protection if you get into an accident or if your vehicle is damaged. How much coverage you need will depend on your financial situation and your level of risk tolerance. In addition to deciding what coverage types to purchase, you’ll need to decide on your limits. The best way to find the right coverage and price for your situation is to shop for car insurance quotes from multiple companies. Once you know what you’re looking for, you can see which company offers the types of coverage and extras you need.
Using an online comparison tool is the fastest way to see multiple quotes, but you don’t get personalized service. You can also get a direct online quote from a single provider, call a provider over the phone, compare rates through an independent agent or get a quote in person at a local insurance office. To get full coverage, you’ll want to add comprehensive coverage and collision coverage. Like liability coverage, you can choose different limits for these types of insurance, as well. As discussed, full coverage car insurance can be expensive, and generally includes a combination of coverage types including liability, collision and comprehensive insurance. You may need to purchase collision and comprehensive coverage if you have a car loan or you lease your vehicle, per your financing contract.
Go over your insurance policy line by line and ask about removing anything you don’t need. Conversely, the higher the deductible, the lower the premium. Ask your agent how your premium might be affected if you raised your deductible.
Cheapest Car Insurance Estimates For Drivers With Poor Credit
The IDV or Insured Declared Value of the car is its current market value. When calculating your car insurance, the IDV is important as it is the amount your car is insured for. In case of “total loss” – complete damage or theft of the car – the policyholder receives the Insured Declared Value when the claim is settled. Always select the IDV carefully as a lower IDV means insufficient compensation in the event of total loss, even though it means lower policy premiums.
Unlike auto insurance, it’s possible to own a home without carrying insurance in some cases. However, if you have a mortgage on your home, it’s likely your lender will require you to carry a homeowner’s policy. Also, condominium boards typically require owners to purchase condo insurance whether they have a mortgage or not.
Keep everyone on your policy up to date by sharing your insurance information. I think it’s great that everything is paperless and easy to navigate through the app. They really go above and beyond and really care about the customers experience and feedback. When comparing quotations, make sure that the liability caps and deductibles are equivalent. Hanover Prestige is our offering for higher-value homes and autos. With Prestige, you’ll benefit from powerful protection, flexibility of choice and caring service.
People reporting negative experiences with Kemper Auto Insurance were much easier to find. Complaints tend to mention poor communication and difficulties during the claims process. Customer reviews for Kemper Auto Insurance tend to skew in a negative direction. Out of nearly 90 reviews on the BBB website, the company earns an average of only 1.0 out of 5.0 stars.
Car insurance, similar to any other type of insurance, is a financially protective measure. You pay an insurance provider small amounts on a regular basis and, in return, you have financial coverage when an emergency happens. With regard to car insurance, you pay your insurance provider so you can drive with peace of mind and know that your vehicle will be covered in the event of an accident.
For a list of these subsidiaries, please visit our website at Chubb.com. Whether or to what extent a loss is covered depend on the facts and circumstances of the loss and the actual coverage of the policy as issued. And while apartment dwellers are not usually required to buy renters insurance, this relatively low-cost coverage can help reimburse you for loss or damage to personal possessions. It also offers protection from liability if someone were injured in your unit.
On the other hand, if a vehicle has excellent safety and anti-theft features, that reduces the risk of injury claims or theft, and makes insurance costs cheaper. In many states, MedPay is an optional addition to an insurance policy, but there are states where it is mandatory coverage. All statements made are subject to provisions, exclusions, conditions, and limitations of the applicable insurance policy. Eligibility is subject to meeting applicable underwriting criteria. Discounts and savings are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance. If you’re interested in getting a telematics-based insurance policy, we’d recommend looking at other insurance companies. You may be able to find discounts for air bags or anti-theft devices if you talk to an insurance agent directly. Similarly, you might find that accident forgiveness is provided at your office. Kemper Auto Insurance encourages drivers to ask local agents about options that aren’t listed on Kemper.com.
Whats The Best Way To Get Auto Insurance Quotes?
Insurance companies ask for age, gender, and marital status to see how likely a person is to make a claim. Insurers collect detailed data on accidents according to age and gender to understand the risk of providing coverage. Some people — such as younger drivers and male drivers — considered as an overall group, get into more accidents.
Its level of complaints is slightly higher than the industry average, but its other qualities boosted it to 5 stars in our scoring system. Pay-per-mile car insurance sets premiums based on how much you drive each month. It can be an economical alternative for certain kinds of drivers. Sometimes insurance companies will provide a discount for those who complete an approved defensive driving course. Drivers may also be able to reduce the number of points they have on their licenses by taking a defensive driving, accident prevention, or other course. At Dairyland, we understand that money back into your pocket means a smoother road for you.
Only California, Hawaii, Massachusetts and Michigan ban the use of credit in auto insurance rates. Whether you’re a safe driver or have multiple vehicles under one policy, you might be able to save on your State Farm auto insurance rates. The constant need to pay for something every month may lead you to question the true purpose of car insurance. Without a general knowledge of car insurance, those who are fairly new to owning a car may get frustrated at the high cost alongside what seems to be a lack of return.
If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. When comparing quotes, it’s important to make sure you’re getting the same value. Often a policy that has a lower premium may have a higher deductible or less coverage.
Rental Car Expense Insurancefor help covering the cost of a rental vehicle if you can’t use your car due to a covered loss. InsuranceQuotes gave me a ton of information at my fingertips to make decisions about my insurance needs. Shopping for auto led me to renters and I’m now bundling with great rates and better coverage. It’s now safe and secure to shop for insurance anytime, anywhere.
The long-term care insurance program is administered by Associates of Clifton Park. Long-term care insurance products are underwritten by multiple LTC insurers. In some cases, insurance agents meet with you in person to help you figure out what coverage you need. Driver’s License Numbers – of anyone who is going to be covered by your insurance policy. MAPFRE offers Accident Forgiveness to a wide range of drivers and experience levels for purchase.
Looking for some better rates? Call Cedric Bradford – State Farm Agent at 334-262-5100 and get a FREE quote! #gumptownmag #webeeverywhere #insurance #statefarm #mymgm #insuranceagent #home #auto #life pic.twitter.com/XvUZU0USDt
— GumpTownMag (@GumpMag) October 18, 2021
When you’re insured by MAPFRE, this coverage typically protects the insured and their vehicle from direct and accidental damage, outside of a collision with another car or object. Comprehensive coverage typically covers things like damage to the insured vehicle from extreme weather, vandalism, or theft. That’s why we work with Liberty Mutual to offer cost-effective coverage that’s easy to get to and easy to understand. We offer seven types so it’s easy to get the coverage that fits your business. After you share your information, you’ll have instant access to a customized online quote for commercial auto insurance and other recommended coverage.
Current Mortgage Rates Up-to-date mortgage rate data based on originated loans. Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian and its affiliates. Other product and company names mentioned herein are the property of their respective owners. Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it. Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address.
Furthermore, the Insurance Information Institute recommends focusing on the final price of your coverage, rather than on overall discounts. A company may offer fewer discounts, yet still provide a lower price. If you’re looking to lower your car insurance rate but your credit score is lower than ideal, you can take steps to improve it. Those begin with looking at your credit reports and checking for incorrect items or inconsistencies that may be affecting your score.
It’s a good idea to shop for car insurance before you buy a car. Without car insurance in place, you may not be able to drive your new wheels off the dealer’s lot. Auto insurance is purchased by vehicle owners to mitigate costs associated with getting into an auto accident. Dropping certain types of coverage can be a slippery slope. After all, nobody can predict if or when an accident will occur. However, if you are driving an extremely old automobile that’s on its last legs, it may make sense to drop collision or comprehensivecoverage.
Most insurance companies allow you to request a quote through their website, although you might have to connect with a local agent to finish the process. You can also find comparison tools on third-party websites that allow you to compare quotes from several companies at once. An insurance broker can provide the same service, obtaining quotes from multiple companies on your behalf. If you do, there is something wrong with the company and you should look elsewhere.
A higher IDV can give you extended coverage but it increases the premium as well. So, check for the amount of IDV and select the one which you can afford and require. Recreational VehiclesIn South Carolina, we work hard, but we know how to reward ourselves too. CommercialFarm Bureau Insurance grew out of a desire to offer affordable insurance to farmers and farm-related businesses. Our dedication to South Carolina businesses has not waned, which is why we offer various coverage options for your business vehicles. If you’re a new policy holder with a safe driving record, you could save up to 25%.
Certain characteristics about you could make one option much more affordable than another, and switching car insurance could save you hundreds of dollars per year. This is why it’s important to carry uninsured motorist and underinsured motorist coverage as part of your car insurance policy. Uninsured motorist protection can pay for your losses if you’re hit by an uninsured or hit-and-run driver.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories.
Many people find that the car insurance rates jump a little every time it automatically renews. If you remain stagnant and never shop around, you might find out one day that you are paying far too much. Just imagine what you could do with the extra money you save. Among those companies, we have our own personal preferences when it comes to receiving free car insurance quotes. You can choose a low deductible to minimize out-of-pocket expenses, but this raises the cost of the auto insurance policy.
You can go online to an aggregator pulling a variety of quotes from different insurance companies. You can go directly to an insurance company, like State Farm or Allstate. If you want to talk through your options, getting an auto insurance quote from an independent agent or broker can also be a good choice.
— phxsoul (@PhxSoul) October 20, 2021
Farm Bureau Insurance is a leading auto insurance provider in South Carolina with a history of proven protection. FaveRates offers all of your favorite things like great rates, discounts, local agents and fast, friendly claims service. Whether you are looking to cover an SUV, ATV or RV, a Farm Bureau Insurance agent can help. Comparing car insurance quotes side-by-side is important because every car insurance company calculates rates differently.
— phxsoul (@PhxSoul) October 20, 2021
In some states, this coverage also may pay for your property damage caused by a motorist with too little insurance. Geico is one of the most popular names in the insurance world, but the company provides more than just a familiar brand. Auto insurance quotes tend to be low, even if you have a not-so-perfect driving record or low credit.
Protect your home the way it protects you by choosing the property insurance coverage that meets your needs. Gap insurance, also known as loan/lease insurance, can help protect you if your vehicle is financed or leased. If your vehicle is totaled , this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the auto loan or lease. If you are found responsible for causing damages as a result of an accident, this coverage may pay up to the limit you select, and it can provide for a legal defense if you’re sued. Auto insurance is usually more expensive for drivers who drive for rideshare services like Uber or Lyft because they spend so much time on the road. Living in a highly congested, urban area with heavy traffic is more likely to lead to car accidents and insurance claims.
This service, which includes emergency towing, is available 24/7. If you think you need additional coverage, we can offer that, too. Endorsements allow you to add increased limits and extra coverages to your policy. With Next Insurance, you can purchase commercial auto coverage online and get your certificate of insurance in less than 10 minutes. Most states require that your business-owned vehicles are insured for certain types of accidents with commercial auto coverage. If you want to try out the price comparison tool from Progressive yourself, you likely won’t be disappointed.
We’ve listed the annual average premiums and availability for several smaller auto insurance providers below. These smaller auto insurance firms offer lower yearly premiums on average than any other major insurance company listed above. The only way to find the right policies and cheapest car insurance for you is by browsing around for car insurance quotes regularly. Claims of file insurance – In the event of a failure, the insurance premium will be expensive. You could be tempted to use the crash cover if your car has been damaged if you are not familiar with insurance firms’ price policies.
Nationwide also offers accident forgiveness, which helps drivers avoid a rate increase due to an at-fault accident. While you have to pay to add this coverage to your policy, it can help offset the premium increase that typically applies after an at-fault accident. For drivers who recently purchased a new car, Erie sells new car protection. With this coverage, your car will be replaced with the latest model if it’s deemed a total loss due to an accident covered by your policy. Erie also offers better car protection to replace your vehicle with a car two years newer. Liability car insurance provides financial protection for drivers who harm someone else or their property while operating a vehicle.
The less you drive, the less likely you are to get into an accident. Companies may offer low-mileage discounts or a lower premium if you drive less than 12,000 a year, which is the national average. Also, in case of any trouble, you can contact the customer care team of your insurance company and request for duplicate car insurance policy copy and they will send it to you.
From accidents and windshield damage to lawsuits and more, we offer affordable car insurance coverages to protect against just about anything. Get an auto insurance quote online and personalize your policy today. With Progressive, you can get a car insurance quote in as little as five minutes from a top-rated company. That’s all it takes to get the customized protection you need at a price that works for you. Get an auto insurance quote today and discover how we help you save and give you peace of mind. Regularly shopping around for car insurance quotes is the only way to find the best policy and cheapest auto insurance for you.
Get your quote for cheap car insurance today—and expect us to deliver even more. It helps to provide consistent details regarding your personal information, coverage options, and history of tickets or traffic violations for accurate quote comparisons. Requesting quotes from multiple providers could help you determine the best rates for the coverage options you want. You may also be able to add yourRVs, motorhomes and trailers to your auto policy. We also offer recreational vehicle policies forATVs,golf cartsandwatercraft.
When reaching out for your car insurance quotes, we recommend the following steps. Before you start making phone calls, there are ways to be smarter when shopping for car insurance, says Heller. First, you’ll want to take a look at car insurance companies’ reviews; keep an eye out for complaints and customer satisfaction. It’s also important to get a good understanding of how much coverage you want, and discuss the same amount of coverage with each company to accurately compare rates. A personal umbrella policy kicks in after you’ve exhausted the limits of other policies, such as homeowners, auto, or boat insurance.
You can simply transfer your No Claim Bonus to your new car by cancelling your old car insurance policy. After the cancellation, your insurance company will issue you an NCB retention letter that you will have to submit to your new car insurance company to avail of the bonus. The renewal of the car insurance policy ensures the continuation of policy coverage for the next policy year. Apart from fulfilling legal requirements and policy cover, the on-time policy renewal brings several other benefits such as save your NCB, allow self-inspection and help in hassle-free renewal. Also, you can cancel your policy by getting in touch with your insurer.
Pays, above your chosen deductible, for damage to your vehicle that is not the result of a collision with another car or object. Causes of damage might include theft, vandalism, flooding, fire, a broken windshield, or collision with an animal. Depending commercial auto insurance florida on your state, can provide coverage for the medical expenses you or anyone covered by your policy incur as a result of an auto accident. You can purchase increased limits for your rental reimbursement if your vehicle is involved in a covered loss.
The policy pays for damage to your property from an uninsured or underinsured motorist. To apply for a policy through the USAA, you are required to be either a member of the U.S. military, a military service veteran or a near family member of a person who has served. If you own a house, take a driver security course, or belong to such organizations, you can save on your automobile insurance. Kim was awesome and answered my questions in a timely manner. She was very thorough and provided excellent customer service. Did you know that by installing protective and safety devices on your car (like car alarms, automatic seatbelts, anti-lock brakes) you could qualify for discounts?
The car you drive – The cost of your car is a major factor in the cost to insure it. Other variables include the likelihood of theft, the cost of repairs, its engine size and the overall safety record of the car. Automobiles with high quality safety equipment might qualify for premium discounts. Applies on personal auto policies with collision coverage on at least one vehicle.
It’s always best to complete the car policy renewal process before your existing policy expires. When you file a claim for damages, zero depreciation or nil depreciation add-on enables you to be reimbursed for the deducted cost of depreciation on your car’s parts. Hence, you can receive the complete sum insured without the deduction of the depreciation. However, you can avail of this benefit only for the first two claims that are filed. This add on is only applicable for your own-damage car insurance policy or comprehensive car insurance policy.
Let’s break down the process of shopping for car insurance quotes into a few steps. Car insurance helps protect your financial well-being if you’re in a covered accident. Instead of paying for costly injuries or damaged property by yourself, your auto insurance steps in to pay for some or all of the loss. You can customize what and how much your insurance covers, giving you flexibility to build a policy that satisfies your needs.
Personal Injury Protection , also known as no-fault insurance, helps pay for an injury that results from a car accident, even if you’re responsible. Collision Coveragefor help covering the cost of repairs to your car if you get into an accident. Let’s say you damage your car’s bumper while backing up, this coverage can help pay for the repairs. When you get your quotes you’ll be able to choose the perfect policy coverage and price tailored to your needs. Be sure to check out our wealth of insurance resources and information to help guide you in your choice. Use our handy calculator to estimate your monthly payments.
Remember, a low insurance premium may lead to a better credit score over time. This type of insurance comes into play if you are in an accident where the other driver is at fault and s/he does not carry any type of car insurance. If this occurs, you can file a claim with your own insurer up to the limit of your uninsured driver coverage. The difference with underinsured coverage is that the driver at fault does have some coverage, but it is not sufficient to cover all of the damages. Incorporating these steps will help you efficiently evaluate multiple providers.
Certain states will take into account your credit score when writing up an auto insurance quote. Those with better credit will receive better and more affordable policies. Allow your excellent credit score to save you money on auto insurance. They can compare car insurance quotes from multiple insurers to find you the best coverage. If you are renewing the car insurance policy with your own insurance company then only your policy document will be required to avail No Claim Bonus.
Once you determine what coverages and limits you need, you’re ready to get a quote. Customizing auto insurance coverage to fit your budget and driving habits is easy! GEICO can help you find car insurance that’s right for you. Insurance products and services are offered through and underwritten by SELCO Group Inc., dba SELCO Insurance Services, a wholly owned subsidiary of SELCO Community Credit Union.
Getting the most out of your insurance policy is important. That’s why we’ve developed policy “extras” that help increase the value of what you receive. Towing and labor coverage can help cover costs up to a specified limit each time the insured car is disabled. As a leading auto insurance carrier, we know how important it is to get the right coverage at an affordable price.
This facility makes it convenient for policyholders to avail the repair services without paying anything. A tyre protection cover is an add-on cover designed to provide coverage for the repair as well as replacement expense of tyres of the insured car. In case of complete total loss of your car, the Insured Declared Value of your car is paid as the compensation amount by the insurance provider.
Teenagers have higher auto insurance quotes than nearly any other age group because they are more likely to be involved in a car accident. Our agents will work closely with you to protect your most valuable assets by finding the appropriate amount of coverage at the lowest price possible. However, if you don’t feel like picking up the phone, our online platform makes it easy for you to purchase a policy directly through our website without ever having to speak to an agent. Our technology also allows you to compare rates in real time to ensure you’re truly getting the best-priced policy. And once you have a policy with us, you can use our intuitive app to easily submit claims or make payments.
You should read the policy for a complete description of coverage. Coverage options, limits, discounts, deductibles and other features are subject to individuals meeting our underwriting criteria and state availability. This liability coverage may go above and beyond your car and home insurance policies to help protect you from unexpected events. Policyholders with drivers who are fully enrolled in high school or college and are good students who maintain a “B” average or better, may qualify for a discount on car insurance.
Car insurance quotes presented to married drivers on Insurify were about $14 less than those for single drivers. Try our car insurance calculator to get a quick estimate of how much you could save. Get trapped by quote aggregation and lead generation sites that make money off selling your information to insurance agents.
This third-party car insurance or liability only cover policy, does not cover damages caused to the insured car. In India, as per the Motor Vehicle Act, it is compulsory to have a valid third-party insurance policy if you want to take your car on the road. Here’s a summary of the best strategies to cut down on what you pay for your car insurance policy. You can use one or more of these tips to get the lowest possible car insurance rates.
All policies are subject to policy terms, underwriting, guidelines, and applicable laws. Multipolicy and other discounts vary based upon eligibility. Insurance premium does not include the price of Membership. Like other pricing factors that aren’t about actual driving, some insurers give discounts for certain occupations. For example, lawyers, doctors and educators may be able to score lower rates. Geico also sells Mexico auto insurance if you plan to drive south of the border.
Get answers to some of the most commonly asked questions about comparing quotes. Do you want to know which auto insurer has the highest customer satisfaction ratings? Power Auto Insurance Study, which lists the top-ranked insurance companies auto insurance ct in every region of the United States. Or, are you looking for the insurer that offers the best value? If so, compare auto quotes to find the best deals, then read reviews to make sure you’re getting good coverage and service for the money.
Enter your ZIP code below to get an instant quote through Liberty Mutual Insurance Company. Connect with an agent to learn more about coverage and discounts. We assist millions of people by helping protect the financial future of their loved ones with insurance policies designed to be affordable.
Bundle up your automobile insurance with our other offers like homeowners insurance. While savings may vary depending on how many policies you’re bundling up or what policies you wish to get, we assure that you will end up paying for your insurance policies at a lower price. Auto insurance policies typically offer more specialized features and benefits to help customers through additional challenges. Auto insurance policies are very specific about what is and isn’t covered. Before choosing a policy, it’s important that you read about the coverage, limits, and any exclusions.