Clark Howard Car Insurance: Everything You Need to Know

Clark Howard is a nationally syndicated radio host and consumer advocate known for his practical advice on saving money and making wise financial decisions. One area where Clark has become a trusted source of information is car insurance. As a result, many people turn to Clark Howard when they need to buy or renew their auto insurance policy.

What is Car Insurance?

Car insurance is a type of insurance that provides financial protection in the event of an accident or theft involving your vehicle. It can also cover damage to other people’s property or injuries they may have suffered as a result of the accident.

There are a few different types of car insurance policies available:

• Liability insurance: This is the most basic type of car insurance and is required by law in most states. It covers damage to other people’s property or injuries they may have suffered as a result of the accident.
• Collision insurance: This type of insurance covers damage to your own vehicle in the event of an accident.
• Comprehensive insurance: This type of insurance covers damage to your vehicle from non-collision events, such as theft, vandalism, or natural disasters.
• Uninsured/underinsured motorist coverage: This type of insurance provides protection if you are involved in an accident with someone who does not have enough insurance to cover the damages.

Why is Car Insurance Important?

Car insurance is important because it provides financial protection in the event of an accident or theft involving your vehicle. Without insurance, you would be responsible for all of the costs associated with repairing or replacing your car, as well as any damage you may have caused to other people’s property or injuries they may have suffered.

In addition, most states require drivers to carry liability insurance as a way of ensuring that they are financially responsible for any damage they may cause in an accident.

What Does Clark Howard Recommend for Car Insurance?

Clark Howard recommends that drivers shop around for car insurance and compare rates from multiple insurers before making a decision. He also advises drivers to consider factors such as the company’s financial strength, customer service reputation, and claims handling process when choosing a policy.

One of the ways to save money on car insurance, according to Clark, is to raise your deductible. He also recommends looking for discounts, such as multi-car, loyalty, or good driver discounts, that can help lower your premium.

What are the Best Car Insurance Companies?

According to Clark Howard, some of the best car insurance companies include:

• Geico
• USAA (for military members and their families)
• State Farm
• Progressive
• Allstate

These companies are known for their competitive rates, good customer service, and strong financial ratings.

How Can You Save Money on Car Insurance?

There are a few ways to save money on car insurance:

• Shop around for rates from multiple insurers
• Consider raising your deductible
• Look for discounts, such as multi-car, loyalty, or good driver discounts
• Drive safely and avoid accidents and traffic violations

By following these tips, you can save money on car insurance and still get the coverage you need.

Conclusion

Car insurance is an important financial protection for drivers, and Clark Howard offers valuable advice and tips for those looking to buy or renew their policies. By shopping around for rates, comparing policies, and looking for discounts, drivers can save money on car insurance and still get the coverage they need.