Wondering how to insure your new car? The truth is, your current insurance policy will cover your new car the second you drive it off the lot—typically at the same level of coverage as your old car. But if you don’t carry liability or physical damage protection, you may end up stuck at the dealership, or worse, in violation of … Read More

It’s a rite of passage. Your teen has obtained his or her learner’s permit and can’t wait to get behind the wheel. You have your own reservations, not the least of which is what this will mean in terms of insurance. The fact is, regardless of if your child has a permit or a license, they will need car insurance. … Read More

Gap insurance (also known as loan/lease payoff) is an optional auto insurance coverage that applies if your car is stolen or deemed a total loss. When your loan amount is more than your vehicle is worth, gap insurance coverage pays the difference. For example, if you owe $25,000 on your loan and your car is only worth $20,000, your policy’s … Read More

We spend a lot of time talking about health insurance and life insurance, but what about car insurance? Who’s going to pay for repairs on that “remodeled” SUV when your teenager accidentally drives it through the garage door? Or what if your uncle forgets to put your car in park and it rolls into the neighbor’s brand-new convertible? Would you … Read More

Rewards for good driving Telematic programs personalize your rate based on your actual driving. It’s technically called usage-based insurance. That means you pay based on how and how much you drive instead of just traditional factors. In most states, you’ll get an automatic discount just for participating and a personalized rate at renewal depending on your results. While your rate could increase … Read More

Buying a stand-alone policy for your family’s newest driver can be pricey—while teenagers usually drive fewer miles than adults, they aren’t as experienced behind the wheel and are more likely to be in an accident. Here’s why it’s almost always far less expensive (and beneficial) to add your teen driver to your existing policy: Affordability: Your teenager will share in … Read More

Drivers who shop their auto insurance with Toro Insurance Group and save pay less on average in their first year. That’s no accident. From the moment you start a car insurance quote to the purchase of your policy, we’re all about finding you auto insurance discounts and saving you more. Loyalty-based discounts Multi-policy You’ll save when you have two or more … Read More

There are several ways to potentially lower the price of your car insurance. Some are as simple as driving responsibly, while others require tinkering with your policy to find a balance between cost and coverages. The list below will steer you in the right direction for buying cheap auto insurance that also fits your needs. 1. Shop around once your … Read More