Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Sep 29, 2020

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Key takeaways...

  • Actors may have unique car insurance needs
  • Every car insurance carrier will vary in coverage and premium offerings
  • Understand your unique risks as an actor, traveling to shows, transporting props, etc.

Car insurance needs are going to vary from one individual to the next. The needs that you have for car insurance is likely going to be dependent on your day to day lifestyle.

If you are an actor that is traveling all across the country for shows and such, your needs for car insurance are going to be different than someone who takes a commuter bus to work each and every day.

Understanding the needs you have can help you in your search for ideal car insurance.

The process of buying car insurance should be consistent no matter what situation you are in. Whether you need car insurance to protect your convertible that you just invested in and planned to drive to work or need it to cover you when you go around renting cars for shows as an actor, it is all the same.

It all comes down to you as a consumer understanding what your needs are and then doing your due diligence to shop around and find that comprehensive policy.

Start comparison shopping today for better auto insurance rates! Enter your ZIP code above and compare at least three to four policies to find the best fit for you!

Coverage Needs for an Actor

As an actor, you may have some unique coverage needs that you are going to want to have addressed by your car insurance policy. When you are buying car insurance, you typically have an automobile that is covered directly by that policy, with you as the driver of it.

Do you plan on having a first car that you are using to drive around to all of your rehearsals and shows? Does your job require you to go around to various states?

You want to be sure your policy is going to cover you for all of these extra miles.

How about car rental needs that you may have as an actor? If you are traveling quite a bit to a bunch of different states for shows and such, you may be renting cars to get there.

The car rental process is one that can be tricky from an insurance perspective. You can have your car insurance policy cover you though should you get behind the wheel of an automobile that is not directly in your name from an ownership perspective.

Actors may also have other property inside the car they are driving that they want to protect. Think about fancy costumes, props for the shows, and so on.

These items can all be covered more adequately by your car insurance policy when the personal property is listed on there. Specific auto insurance rates will work to protect those types of items.

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Nail the Limits and Coverage

You want to nail down the coverage options and limits on the policy. When you are in the market for car insurance, the two most common types of coverage that you will be purchasing include comprehensive and collision coverage.

There will be coverages and associated limits for things such as:

  • Damage to the automobile on the policy
  • Damage to other property
  • Liability coverage
  • Bodily injury, etc.

What are the limits and the coverages that you need? What is the amount of the deductible on the policy going to be that gives you a level of comfort?

Are you going to be perfectly fine with a $1,000 deductible, paying that out of pocket should you ever file a claim? Perhaps you want to pay a higher premium one exchange for a lower, $250 deductible?

These are some of the questions that you want to address early on as an actor, so you know what you are looking to buy.

Purchasing the Policy

It is all about striking a cord as an actor buying car insurance. You want that perfect mix of coverages in exchange for a reasonable premium amount and cost of insurance.

Figure out the limits and coverage needs that you have, and you will be in a much better place to be indemnified should a loss ever occur.

The balancing act of buying car insurance is that you want to get the most coverage that you can and match the needs you have for the lowest premium amount possible. The better you are at achieving that goal, the more value you will derive from the policy from top to bottom.

It is all about making price comparisons, researching what the various types of carriers are going to be offering, and then pulling the trigger when you locate what you see as the best possible deal for auto insurance coverage.

Try our FREE online quote tool and compare at least three to four auto insurance policies today! Enter your ZIP code below!