Did you know that there are approximately 272 million registered vehicles in the United States alone? That’s a staggering number of cars on the road, all of which need reliable car insurance to protect against accidents, damages, and unforeseen events.
When it comes to vehicle insurance, finding the right coverage can be overwhelming. With so many car insurance companies offering different policies and car insurance quotes, it’s important to do your research and compare options to ensure you get the best car insurance policies at affordable car insurance rates. Fortunately, there are online car insurance comparison tools available that make the process easier.
In this article, we will explore the world of car insurance, delve into the different types of coverage available, and provide you with tips on how to secure the best policy for your ride.
Key Takeaways:
- There are approximately 272 million registered vehicles in the United States.
- Choosing the right car insurance coverage can be overwhelming, but online comparison tools can help.
- It’s important to research and compare quotes to find the best car insurance policies at affordable rates.
Understanding Rideshare Insurance for Uber and Lyft Drivers
Rideshare drivers, such as those working for Uber and Lyft, often require additional insurance coverage. While Transportation Network Companies (TNCs) provide commercial insurance when actively transporting passengers, there are coverage gaps during other periods. Personal auto insurance policies may not cover accidents or damages during ridesharing activities. Rideshare insurance, sometimes referred to as TNC insurance, fills these gaps and ensures drivers are protected during all stages of driving for a rideshare company.
During the ridesharing process, there are three distinct periods that impact insurance coverage:
- Period 1: This period begins when a rideshare driver logs into the app and is waiting for a ride request. Personal auto insurance policies don’t typically cover accidents or damages during this period. Rideshare insurance provides coverage during Period 1.
- Period 2: This period starts when the driver accepts a ride request and is en route to pick up the passenger. TNCs provide commercial insurance coverage during this period, but personal auto insurance policies may still have limitations. Rideshare insurance fills any gaps in coverage during Period 2.
- Period 3: This period encompasses the time when the passenger is in the vehicle until they reach their destination. TNCs also provide commercial insurance coverage during this period. However, it’s important to note that personal auto insurance policies are usually completely void during this phase. Rideshare insurance is crucial to protect drivers and passengers during Period 3.
By having rideshare insurance, drivers can have peace of mind knowing that they have comprehensive coverage throughout the entire ridesharing process, including all three periods.
“Rideshare insurance provides the necessary protection for rideshare drivers during all stages of driving, filling the gaps left by personal auto insurance policies.”
Fulfilling the Coverage Gaps
Rideshare insurance acts as a rideshare endorsement to a personal auto insurance policy, providing coverage during the periods when personal policies may not apply. This endorsement extends the policyholder’s coverage to the unique circumstances of ridesharing activities. Instead of having to rely solely on commercial insurance provided by the TNCs, drivers can have the added protection of rideshare insurance.
Commercial Insurance vs. Rideshare Insurance
While TNCs offer commercial insurance coverage during certain periods, this coverage may not be comprehensive or sufficient for all situations. Commercial insurance provided by TNCs typically applies when drivers are actively transporting passengers but may not cover accidents that occur during other periods.
On the other hand, rideshare insurance offers specialized coverage tailored to the specific needs of rideshare drivers. It ensures that drivers are protected, regardless of the period they are in and provides the necessary financial support in the event of an accident or damage to their vehicle.
| Insurance Type | Period 1 Coverage | Period 2 Coverage | Period 3 Coverage |
|---|---|---|---|
| TNC Commercial Insurance | No | Partial | Partial |
| Rideshare Insurance | Yes | Yes | Yes |
As the table shows, rideshare insurance provides coverage for all three periods, ensuring rideshare drivers have comprehensive protection throughout their entire journey.
Same-Day Car Insurance: Coverage When You Need It
In some situations, you may require immediate car insurance coverage. Whether you’re purchasing a new car, borrowing a friend’s vehicle, or need coverage for a short period, same-day car insurance is the solution. This type of insurance provides you with quick and convenient coverage that takes effect on the same day you purchase the policy.
With same-day car insurance, you have the flexibility to obtain coverage instantly through online platforms or by speaking to an insurance agent. Instant car insurance allows you to meet your insurance needs promptly without the hassle of lengthy applications or waiting periods.
When you opt for same-day car insurance, you can access a wide range of coverage options to protect you and your vehicle. These options include:
- Bodily Injury Liability: Covers medical expenses for injuries caused to others in an accident for which you are at fault.
- Property Damage Liability: Pays for damages to another person’s property resulting from an accident in which you are at fault.
- Comprehensive Coverage: Provides protection against non-collision incidents such as theft, vandalism, or damage caused by natural disasters.
- Collision Coverage: Covers damages to your vehicle resulting from a collision with another vehicle or object.
By obtaining same-day car insurance, you can have peace of mind knowing that you are protected from potential financial losses that may arise from unexpected accidents or damages. Whether you are a new car owner or require temporary coverage, same-day car insurance offers a convenient solution that meets your immediate needs.
| Advantages of Same-Day Car Insurance | Disadvantages of Same-Day Car Insurance |
|---|---|
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It’s important to consider both the advantages and disadvantages of same-day car insurance before making a decision. While it provides immediate coverage and eliminates waiting periods, there may be limitations to the available discounts and potential restrictions based on certain circumstances. Be sure to assess your specific needs and compare quotes to determine if same-day car insurance is the right choice for you.
Average Cost of Car Insurance: Full Coverage vs. Minimum Coverage
The cost of car insurance can vary significantly based on the type of coverage you choose. Full coverage car insurance, which includes comprehensive and collision coverage, typically comes with a higher price tag compared to minimum coverage. It’s essential to understand the average car insurance cost for both types of coverage to make an informed decision that aligns with your budget and needs.
Full Coverage Car Insurance
Full coverage car insurance provides comprehensive protection for your vehicle. It includes liability coverage, which pays for damages to other vehicles or injuries to other people if you’re at fault in an accident. In addition, it offers coverage for damages to your own vehicle, irrespective of fault.
Full coverage car insurance is recommended for those who have newer or more expensive vehicles. It provides financial protection in the event of accidents, theft, vandalism, or natural disasters.
| Factor | Average Cost |
|---|---|
| Vehicle Type | $2,000 – $3,000 annually |
| Driving Record | $1,500 – $2,500 annually |
| Location | $1,000 – $2,000 annually |
Minimum Coverage Car Insurance
Minimum coverage car insurance, also known as liability coverage, is the minimum required by law in most states. It provides limited protection, primarily covering damages to other vehicles or injuries to other people if you’re at fault in an accident.
Minimum coverage car insurance is often chosen by drivers of older or less valuable vehicles. It helps meet legal requirements while keeping insurance costs lower.
| Factor | Average Cost |
|---|---|
| Vehicle Type | $500 – $1,000 annually |
| Driving Record | $500 – $1,000 annually |
| Location | $500 – $1,000 annually |
Note: The average car insurance cost may vary based on the insurer and individual circumstances.
It’s important to remember that car insurance rates are influenced by several factors, including your driving record, vehicle type, location, and more. Additionally, insurance companies offer various discounts, such as good driver discounts, that can help lower your car insurance rates. Comparing quotes from multiple insurers is recommended to find the most competitive rates for both full coverage and minimum coverage car insurance.
Next, we’ll explore the advantages and disadvantages of same-day car insurance, providing you with a comprehensive understanding of this convenient coverage option.
Same-Day Car Insurance: Pros and Cons
While same-day car insurance offers the convenience of immediate coverage, it’s essential to consider its advantages and disadvantages before making a decision. Understanding both sides of the coin will help you weigh the options and determine if same-day car insurance is the right choice for you. Let’s explore the pros and cons.
Advantages of Same-Day Car Insurance
- No Extra Cost: One of the significant advantages of same-day car insurance is that it often doesn’t come with an additional cost. You can secure coverage promptly without incurring any extra fees or charges.
- Eligibility for Car Insurance Discounts: Same-day car insurance policies are generally eligible for the same discounts as regular car insurance. This means you can take advantage of savings opportunities such as safe driver discounts, multi-policy discounts, or discounts for installing safety devices in your vehicle.
Disadvantages of Same-Day Car Insurance
- Limited Time for Quote Comparisons: Obtaining same-day car insurance leaves you limited time for comparing quotes from different insurers. This could result in potentially missing out on more competitive rates or better coverage options available from other providers.
- Potential Missed Discounts: Same-day car insurance doesn’t allow for extensive research, meaning you might miss out on additional discounts that would have been available if you had more time to explore different options.
- Possible Insurer Restrictions: Some insurance companies may impose restrictions or limitations on same-day policies based on particular circumstances. These restrictions could pertain to factors such as credit history, claims history, or delays in verification, potentially affecting the coverage or terms of the policy.
When considering same-day car insurance, carefully evaluate the advantages and disadvantages to make an informed decision. If immediate coverage is a priority and you are confident in the policy terms and conditions offered, same-day car insurance can be a convenient option. However, if you prefer more time for quote comparisons, extensive research, and potentially securing better rates, exploring regular car insurance options may be a better fit.
Remember, every individual’s insurance needs are different. It’s crucial to assess your specific circumstances and priorities to determine the most suitable option for your car insurance coverage.
Same-Day Car Insurance Options and Coverage
When it comes to same-day car insurance, you’ll find a range of coverage options that are comparable to regular car insurance. These options provide the necessary protection for both you and your vehicle in case of unforeseen events. Let’s explore the different coverage options available:
- Bodily Injury Liability: This coverage option helps pay for the medical expenses of individuals injured in an accident caused by you.
- Property Damage Liability: Property damage liability coverage assists in paying for damage you may cause to someone else’s property.
- Collision Insurance: Collision insurance covers the cost of repairing or replacing your vehicle if it’s damaged in a collision with another car or object.
- Comprehensive Insurance: Comprehensive insurance provides coverage for damages to your vehicle that are unrelated to collisions, such as theft, vandalism, natural disasters, or falling objects.
- Uninsured/Underinsured Motorist Coverage: This coverage protects you in case you’re involved in an accident with a driver who has insufficient or no insurance.
Additionally, same-day car insurance policies may offer additional add-ons to enhance your coverage and provide even more peace of mind. These add-ons can include:
- Accident Forgiveness: This feature prevents your premium from increasing after your first at-fault accident.
- Emergency Roadside Assistance: Roadside assistance coverage can help you in case of a breakdown, flat tire, or other roadside emergencies.
- Loan or Lease Assistance: Loan or lease assistance coverage helps pay off your car loan or lease in the event of a total loss due to an accident.
By selecting the appropriate same-day car insurance options and add-ons, you can tailor your coverage to meet your specific needs and have peace of mind on the road.
Insuring your vehicle with same-day car insurance provides you with immediate protection and the flexibility to choose the coverage options that best fit your needs. Whether it’s bodily injury liability, property damage liability, collision insurance, comprehensive insurance, or the additional add-ons, you can drive confidently knowing you have the necessary coverage in place. Don’t wait to safeguard your ride and explore the same-day car insurance options available to you.
Factors Affecting Car Insurance Rates
When it comes to car insurance rates, several factors come into play. Insurers consider these factors to assess the level of risk involved in insuring a vehicle and a driver. Understanding the various elements that influence car insurance rates can help you make informed decisions when selecting a policy. Let’s explore some of the key factors affecting car insurance rates:
1. Age
Your age can have a significant impact on your car insurance rates. Younger drivers, especially those under 25, generally pay higher premiums compared to older, more experienced drivers. Insurance companies consider younger drivers as higher risk due to their limited driving experience and higher likelihood of being involved in accidents.
2. Location
The location where you reside plays a role in determining your car insurance rates. Insurers consider factors such as the density of traffic, crime rate, and the number of accidents in your area. If you live in a highly populated city with high accident rates, you may have higher insurance rates compared to someone living in a rural area with lower traffic density.
3. Coverage Options
The coverage options you choose for your car insurance policy can affect your rates. Comprehensive coverage, which provides protection for damages caused by events other than accidents, and collision coverage, which covers damages from accidents, tend to have higher premiums compared to minimum coverage policies. The more coverage you include in your policy, the higher your insurance rates will be.
4. Driving History
Your driving history is another crucial factor that insurers consider. Drivers with a clean record, free of any accidents or traffic violations, usually enjoy lower insurance rates. On the other hand, drivers with a history of accidents, speeding tickets, or other violations may experience higher premiums due to the perceived higher risk associated with their driving habits.
5. Deductible
The deductible amount you choose for your car insurance policy also affects your rates. A deductible is the amount you agree to pay out of pocket before your insurance coverage kicks in. Generally, choosing a higher deductible leads to lower premiums, while a lower deductible results in higher premiums.
6. Add-Ons
Add-ons or optional coverages can also impact your car insurance rates. Additional coverage options such as roadside assistance, rental car coverage, or gap insurance may increase your premiums. It’s important to review the add-ons and consider whether you truly need them or if they align with your specific needs.
7. Vehicle Type
The type of vehicle you drive can influence your car insurance rates. Insurers take into account factors such as the vehicle’s make, model, age, value, and safety features when determining premiums. Vehicles with higher values or that are more prone to theft may have higher insurance rates compared to vehicles with lower values or enhanced safety features.
Understanding these factors can empower you to make informed decisions when selecting a car insurance policy. By considering your age, location, coverage options, driving history, deductible, add-ons, and vehicle type, you can find the most suitable coverage at a competitive rate.
How to Get Same-Day Car Insurance
When you need immediate car insurance coverage, same-day car insurance is the solution. There are several ways to obtain same-day coverage, depending on your preference and convenience. Here are some options:
- Online Quote Forms: Many insurance companies offer online quote forms that allow you to input your information and receive a quote instantly. You can complete the entire process online without the need to speak to an agent.
- Insurance Brokers: Working with an insurance broker can simplify the process of getting same-day car insurance. Brokers have access to multiple insurance providers and can help you navigate the options to find the best coverage for your specific needs.
- Comparison Quote Forms: Some websites specialize in providing comparison quote forms where you can enter your information once and receive quotes from multiple insurance companies. This allows you to easily compare rates and coverage options.
Regardless of the method you choose, there is certain information you will need to provide to obtain same-day coverage. This includes details about the ownership of the vehicle, vehicle information such as make, model, and year, driver information, current insurance policy details, and driving history.
Additionally, it’s important to have an electronic payment method ready, such as your banking information or a debit card. Most insurance companies require an initial payment to activate the policy, and having your payment method readily available will ensure a smooth and seamless process.
“Getting same-day car insurance is convenient and quick, allowing you to have the coverage you need when you need it the most.” – Insurance Expert
Top Car Insurance Providers for Same-Day Coverage
When you’re in need of immediate car insurance coverage, several top providers offer same-day options to ensure your vehicle is protected right away. These providers offer affordable coverage plans and various discounts for policyholders. By comparing quotes from different companies, you can find the best deal for your same-day car insurance needs. Here are three of the top car insurance providers:
State Farm
State Farm is renowned for its comprehensive coverage options and excellent customer service. They offer same-day car insurance, allowing you to get immediate coverage for your vehicle. State Farm provides affordable rates and discounts to help you save on your premium. Whether you need minimum coverage or full coverage, State Farm has options to suit your needs and budget.
Geico
Geico is another top car insurance provider that offers same-day coverage. Geico is known for its competitive rates and exceptional online platform, which allows you to easily obtain a quote and purchase a policy. They provide a wide range of coverage options and discounts, including multi-policy discounts and safe driver discounts.
Travelers
Travelers is a trusted car insurance provider that offers same-day coverage for drivers looking for immediate protection. Travelers is known for its strong financial stability and comprehensive coverage options. They provide affordable rates and discounts for policyholders, such as safe driving discounts and multi-car discounts.
By considering these top car insurance providers, you can find the right coverage for your vehicle on the same day you need it. Be sure to compare quotes and evaluate the coverage options and discounts offered by each company to make an informed decision.
| Car Insurance Provider | Affordable Coverage | Discounts |
|---|---|---|
| State Farm | ✓ | ✓ |
| Geico | ✓ | ✓ |
| Travelers | ✓ | ✓ |
Personal Auto Policies: Comprehensive Coverage for Your Vehicle
When it comes to protecting your vehicle, personal auto policies offer comprehensive coverage that gives you peace of mind on the road. One trusted provider of personal auto policies is Main Street America insurance, known for their reliable coverage and customer service.
Personal auto policies provide a range of essential coverages to ensure you are financially protected in various situations. Let’s take a closer look at the key auto insurance coverages included in personal auto policies:
1. Comprehensive Coverage
Comprehensive coverage helps protect your vehicle from non-collision related damages, such as theft, vandalism, fire, or natural disasters. It provides peace of mind knowing that your vehicle is covered against unexpected events that are beyond your control.
2. Collision Coverage
Collision coverage kicks in if your vehicle is damaged due to a collision with another vehicle or object, even if you are at fault. This coverage helps cover the cost of repairs or replacement of your vehicle, ensuring you can get back on the road quickly.
3. Medical Payments
In the unfortunate event of an accident, medical payments coverage helps cover medical expenses for you and your passengers, regardless of who is at fault. This coverage can include hospital bills, doctor’s fees, surgery costs, and even funeral expenses if necessary.
4. Bodily Injury Liability
Bodily injury liability coverage protects you if you cause an accident that results in bodily harm or death to another person. It helps cover medical expenses, legal fees, and potential settlement costs associated with injuries or fatalities caused by your negligence.
5. Property Damage Liability
Property damage liability coverage safeguards your finances if you cause damage to someone else’s property in an accident. It covers repair or replacement costs for the damaged property, such as other vehicles, buildings, or infrastructure.
By customizing your personal auto policy based on your specific needs and budget, you can ensure that you have the right coverage for your vehicle.
Remember, working with an independent insurance agent can be beneficial when choosing a personal auto policy. They can help you navigate through the coverage options, compare quotes, and find the best policy that suits your needs and budget.
*The image above illustrates the importance of maintaining comprehensive coverage for your vehicle.*
Now that you understand the comprehensive coverage offered by personal auto policies, you can make an informed decision to protect your vehicle and ensure peace of mind while on the road.
Additional Auto Coverage Options and Discounts
When it comes to car insurance, there are more options and discounts available than just the standard coverages. These additional options can provide you with added protection and savings on your policy. Whether you’re looking for extra coverage for your new vehicle or discounts for being a good student, there are options available to suit your needs. Let’s explore some of these additional auto coverage options and discounts:
New Vehicle Replacement
If you’ve recently purchased a new car, you can consider adding new vehicle replacement coverage to your policy. This coverage ensures that if your new vehicle is totaled in an accident, your insurance will provide the funds to replace it with a brand new vehicle of the same make and model. It offers peace of mind knowing that your investment is protected.
Accident Forgiveness
Accidents happen, and sometimes they can result in an increase in your insurance rates. With accident forgiveness, your insurance company won’t raise your rates after your first at-fault accident. It’s a valuable option that can save you from premium hikes and help maintain your affordable coverage.
Roadside Assistance
Roadside assistance is an option that provides you with peace of mind wherever you go. With this coverage, if you experience a breakdown or get a flat tire, you can call for assistance and receive help with services like towing, battery jump-starts, fuel delivery, and lockout assistance. It’s a valuable option that can keep you on the road, even when unexpected situations arise.
OEM Parts Replacement
If your car is damaged in an accident, you may want to ensure that it’s repaired with original equipment manufacturer (OEM) parts. OEM parts replacement coverage guarantees that your car will be repaired using parts made by the manufacturer of your vehicle. This option ensures that your car maintains its original quality and value.
Good Student Discounts
If you’re a student with good grades, you may be eligible for a good student discount on your car insurance. Many insurance companies offer this discount to students who maintain a certain grade point average, typically a B average or higher. It’s a great way to save on your insurance premiums while rewarding your academic achievements.
| Coverage Option | Description |
|---|---|
| New Vehicle Replacement | Ensures that your new car will be replaced with a brand new one in the event of a total loss |
| Accident Forgiveness | Keeps your insurance rates from increasing after your first at-fault accident |
| Roadside Assistance | Provides assistance with services like towing, battery jump-starts, fuel delivery, and lockout assistance |
| OEM Parts Replacement | Ensures that your car will be repaired using original equipment manufacturer parts |
| Good Student Discounts | Offers discounts to students with good grades |
By exploring and taking advantage of these additional auto coverage options and discounts, you can tailor your car insurance policy to better suit your needs and potentially save money. Whether you’re protecting a new vehicle or looking for ways to reduce your premiums, these options can provide you with the coverage and savings you’re looking for.
Conclusion
In conclusion, car insurance is an essential investment for every vehicle owner. It provides crucial protection and peace of mind in the event of accidents, damages, or unforeseen circumstances. Whether you need same-day coverage or are seeking comprehensive auto insurance, it is imperative to carefully consider your options and find the right coverage that suits your specific needs and budget.
Understanding the different types of car insurance coverage is key to making informed decisions. Take the time to compare quotes from different providers, ensuring that you receive the best value for your money. Additionally, be sure to explore the various discounts available, as they can help you save on your car insurance premiums.
When it comes to car insurance, finding the right coverage is of utmost importance. By prioritizing the safety of your vehicle and yourself, you can drive with confidence, knowing that you are adequately protected. So, don’t hesitate to explore your options, compare quotes, and secure the ideal car insurance policy for your ride.
FAQ
What is car insurance and why is it important?
Car insurance is a type of coverage that provides financial protection in case of accidents, damages, or other unforeseen events involving your vehicle. It is important because it helps cover the costs of repairs, medical expenses, and legal liabilities, ensuring that you are financially protected.
Do rideshare drivers need additional insurance coverage?
Yes, rideshare drivers like those working for Uber and Lyft often require additional insurance coverage. While the rideshare companies provide commercial insurance when actively transporting passengers, there are coverage gaps during other periods. Rideshare insurance fills these gaps and ensures drivers are protected during all stages of driving for a rideshare company.
Can I get car insurance coverage on the same day?
Yes, same-day car insurance allows you to get coverage quickly and easily. You can purchase a policy online or speak to an insurance agent to obtain immediate coverage. Same-day coverage offers options similar to traditional car insurance, including bodily injury liability, property damage liability, comprehensive coverage, and collision coverage.
How much does car insurance cost?
The cost of car insurance varies depending on factors such as the type of coverage chosen, driving history, location, and vehicle type. On average, full coverage car insurance costs around ,008 per year, while minimum coverage costs around 7 per year.
What are the advantages and disadvantages of same-day car insurance?
Advantages of same-day car insurance include no extra cost for immediate coverage and eligibility for car insurance discounts. Disadvantages include limited time for quote comparisons, potential missed discounts, and insurer restrictions based on certain circumstances such as credit history or verification delays.
What coverage options are available with same-day car insurance?
Same-day car insurance offers the same coverage options as regular car insurance. These options include bodily injury liability, property damage liability, collision insurance, comprehensive insurance, and uninsured/underinsured motorist coverage. Additional add-ons such as accident forgiveness, emergency roadside assistance, and loan or lease assistance may also be available.
What factors affect car insurance rates?
Car insurance rates are influenced by factors such as age, location, coverage options, driving history, deductible, add-ons, and vehicle type. Younger drivers generally pay higher rates, while location can affect insurance costs based on ZIP code. Coverage options chosen, driving record, deductible amount, and additional add-ons also impact rates. Insurers also consider vehicle type, including its value and theft risk.
How can I get same-day car insurance?
Same-day car insurance can be acquired through various channels, including online quote forms, insurance brokers, and comparison quote forms. To obtain same-day coverage, you will need to provide information such as vehicle ownership details, vehicle information, driver information, current insurance policy details, and driving history. Having an electronic payment method, like banking information or a debit card, ready is essential for making the initial payment.
Which are the top car insurance providers that offer same-day coverage?
Some of the top car insurance providers that offer same-day coverage include State Farm, Geico, and Travelers. These companies provide affordable coverage options and offer various discounts for policyholders. By comparing quotes from different providers, you can find the best deal for your same-day car insurance needs.
What does a personal auto policy cover?
Personal auto policies, such as those offered by Main Street America insurance, provide comprehensive coverage for your vehicle. These policies include essential coverages such as comprehensive coverage, collision coverage, medical payments, bodily injury liability, and property damage liability. Working with an independent insurance agent can help you customize your policy based on your specific needs and budget.
Are there additional coverage options and discounts available for car insurance?
Yes, in addition to the standard auto insurance coverages, there are additional options and discounts available to enhance your policy. These options include new vehicle replacement, accident forgiveness, roadside assistance, OEM parts replacement, and good student discounts. Taking advantage of these options can provide added protection and savings on your car insurance policy.
Why is car insurance important?
Car insurance is a vital investment for any vehicle owner as it offers protection and peace of mind in case of accidents or damages. It helps cover the expenses associated with repairs, medical treatments, and legal liabilities. Whether you need same-day coverage or comprehensive auto insurance, it’s crucial to explore your options and find the best coverage for your specific needs.
Source Links
- https://www.mercuryinsurance.com/insurance/auto/coverage/rideshare-insurance.html
- https://www.marketwatch.com/guides/insurance-services/same-day-insurance/
- https://msainsurance.com/individual/auto
