Basics
Who is legally required to have auto insurance in almost every U.S. state?
anyone who owns or operates a vehicle
Name one personal factor that affects your auto insurance premium.
age, driving record, location, or type of vehicle
What happens when you choose a lower deductible on your car insurance?
your premium becomes higher
Jake’s car was hit while it was parked. What kind of insurance might help?
collision or uninsured motorist
Which U.S. state has the most expensive average car insurance premium?
Louisiana
What financial risks does auto insurance help protect against?
accidents, vehicle damage, theft, and liability for injury or property damage
What type of behavior could help lower a driver’s insurance premium?
responsible or safe driving
What kind of coverage pays for your vehicle damage after hitting a pole?
collision coverage
Mia picked the cheapest car insurance. What could go wrong?
it might not cover everything in a big accident
What is the average car insurance cost in California?
$2,416
Why might a responsible driver want auto insurance, based on behavior?
for peace of mind and potential discounts for safe driving
What is a preference someone might have when choosing a policy?
preferring full coverage vs. minimum coverage to save money
What is the maximum amount your insurance will pay for a single claim called?
coverage limit
Sam’s car repair costs $3,000. His deductible is $1,000. How much will the insurance company pay?
$2,000
Which state has the cheapest average auto insurance?
Maine
What does the "D" in DGPB stand for, and what does it mean?
Demographics, meaning all drivers—especially young or high-risk—need protection
True or False: Premiums are the same regardless of driving behavior.
False
If your deductible is $500 and the repair cost is $450, how much does insurance pay?
$0
Chris hits another car and it’s his fault. What insurance covers the other driver’s injuries?
liability insurance
Name a state where car insurance costs less than $1,500.
Maine,New Hampshire, Vermont, Ohio, Idaho, or Virginia
How much can a texting while driving ticket increase your insurance premiums?
516
What does "Goals" in DGPB stand for in relation to insurance?
avoiding large out-of-pocket costs and meeting legal requirements
What type of coverage helps if your car is stolen or damaged by a storm?
comprehensive coverage
A storm floods Emma’s car, but she only has basic insurance. Will her insurance pay? and give the reason why
no, because she doesn’t have comprehensive coverage
What is the cost difference between the most and least expensive states?
$2,883 - $1,175 = $1,708