My Insurance Coverages
- Can I change my insurance policy as needed?
- Which drivers are covered by my auto insurance policy?
- What are my coverage and deductible options?
- What should I do before buying or leasing a new car?
- Can I transfer auto insurance to a new vehicle?
- Does my auto insurance cover me if I rent a car?
- How can I get the best auto insurance price possible?
- How much auto insurance is required in my state?
1. Can I change my insurance policy as needed?
Yes. With GMAC Insurance, you can update your policy as needed by calling 1-800-325-1190. Or, if you purchased your GMAC Insurance policy by working with an independent agent, you can work with them to change your policy. Regardless of how you bought, you can also take advantage of many of our online account features by simply setting up an online account. Then you can view and manage your policy at any time - all from your own computer.
2. Which drivers are covered by my auto insurance policy?
Your policy covers all of the people you listed when you purchased your auto insurance. If you aren’t sure who is included, check your online account or call a GMAC Insurance representative at 1-800-325-1190 to find out.
As a general rule, all members of your household who have the potential to drive your car, even if it’s just now and then, should be included. This will prevent problems if a driver who is not listed on your policy were to get into an accident while driving your car. Otherwise, such an event could slow the claims process or cause you to be denied coverage.
If you lend your car to someone who is not a member of your household, but is a properly licensed driver, that person is covered through our No Step-Down Liability feature.1 It's yet another great reason for using GMAC Insurance for all your vehicle needs.
3. What are my coverage and deductible options?
GMAC Insurance can meet all your vehicle insurance needs with a variety of SmartDiscounts® and our family of SmartServices,® designed to give you the flexibility – at every stage in life – to meet your car insurance needs.
- Liability coverage (bodily injury, damage)
- Medical Payments
- Extended coverages and optional services
And remember – state requirements vary, as do the coverages you need if you lease or finance your car.
- In general, the higher your deductible, the lower your auto insurance premiums
- Balance the deductible you choose with your ability to pay, should the unforeseen occur.
Consider the coverage limits that make sense for your vehicle and your financial situation. Your GMAC Insurance representative or local agent will be happy to discuss the right levels of coverage and deductibles for you, your family, and your wallet!
4. What should I do before buying or leasing a new car?
Make sure you have the appropriate insurance for your vehicle. Leasing and financing companies will require specific minimum coverages.
Choosing a vehicle with safety and security features like anti-theft devices or OnStar® can help lower auto insurance rates.
Before buying, consider that some vehicles are more costly to insure than others. It pays to get a rate quote based on the vehicle you are considering.
5. Can I transfer auto insurance to a new vehicle?
Yes! When you decide to buy a new vehicle, it’s easy to transfer auto insurance from your current policy to your new car. Simply update your vehicle information online or contact a GMAC Insurance customer service representative at 1-800-325-1190 and we’ll be happy to assist you.
Transfer Effective Date:
Insurance transfers can become effective immediately, or you can schedule a desired effective date for the future.
As with making any type of change to your policy, if you transfer auto insurance to a new vehicle, your premiums may be affected.
6. Does my auto insurance cover me if I rent a car?
When you rent a car, you will be offered auto insurance. However, your regular auto insurance may already provide you with adequate protection, even in a rental car.
If you use a credit card to rent a vehicle, you may also have coverage through your credit card company. This is typically secondary coverage, with your usual auto insurance picking up the primary role in case of an accident.
Before buying additional coverage, be sure to look at:
- The rental car coverage provisions in your regular auto insurance policy
- Rental car provisions on your credit card, including the fine print!
But remember - a small amount of damage to a rental car (even a scratch in a parking lot) is not the same as minor damage to your own car which you might ignore or get fixed on your own. The rental company will assess the damage and bill you for whatever amount they see fit. They may even charge "loss-of-use" fees while the car is being repaired. These amounts quickly add up.
You can avoid these headaches when you purchase the rental car company’s auto insurance.
If you’re traveling outside the U.S. and renting, you’ll need to check with your insurance company or agent to see if your auto insurance applies abroad. Even minor accidents or damage could involve a costly and time-consuming process.
Frequent and experienced travelers often decline optional rental car coverage. But a good rule of thumb? Call your insurance agent and your credit card company in advance. Make sure you’re not paying for duplicate coverage, but consider your willingness to risk some liability or, depending on the price, to purchase rental car coverage "just in case."
7. How can I get the best auto insurance price possible?
To get the best possible auto insurance rates:
- Determine the auto insurance coverages, coverage limits, and features that give you the protection you need.
- Consider raising your car insurance deductibles to lower your auto insurance premium.
- Look for features that reduce your risk like air bags, anti-lock brakes, anti-theft devices and off-street parking.
- Drive safely. Those with no traffic violations, accidents or other incidents benefit from lower rates.
- Look for opportunities to bundle multiple types of insurance, like homeowners and auto insurance for reduced rates.
- Be responsible with your credit. Those with good credit are considered a better risk, and that means a better price for auto insurance, in states where insurance scores are used by insurance companies.
- Look for value over the long-run.
- Check with your GMAC Insurance representative about the many ways to save with built-in rate reductions and our family of SmartDiscounts.
For a great rate, get a quote online. It’s free and it’s fast!
8. How much auto insurance is required in my state?
Since all 50 states have their own laws regarding insurance, there is no single rule that everyone can follow. However, most states do require all drivers to have liability insurance.
For a complete list of requirements for your state contact a GMAC customer service representative at 1-800-325-1190.
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