One of the most critical driving concepts that every driver needs to know is car insurance. It has a critical role in protecting you, your passengers, and your vehicle. Even though car insurance seems like a basic term, it can be explained with a detailed glossary. The reason is that there are different types of car insurance available. We can sort them as full coverage car insurance, liability car insurance, general car insurance, progressive car insurance, short-term car insurance, etc.
How does car insurance work? It is an agreement between a policyholder (the driver) and an insurance company. The policyholder pays a premium (usually monthly or annually) to the insurance company in exchange for coverage in case of an accident or other unforeseen circumstances. So, when an accident occurs, the policyholder files a claim, and the insurance company investigates and provides coverage up to the limits specified in the policy.
Moreover, it is important to shop around and compare insurance policies and rates from different providers. For this reason, you need to take the time to research and compare different policies to find the right one for your budget and expectations from car insurance. If you know your rights and responsibilities, you may get the most out of your car insurance. So, having adequate car insurance can provide peace of mind and financial security in case of an accident, theft, or damage to your vehicle.
As a result, we will talk about the ABCs of car insurance. More specifically, this article includes a detailed and comprehensive glossary about car insurance. If you read it till the end, you will find out the best aftermarket part that respects your car warranty and car insurance.
Understanding the Variety of Car Insurance Options
There are different types of car insurance. The reason is that every driver has different needs when it comes to car insurance coverage. Each car insurance offers different levels of protection tailored to meet the specific needs and budgets of drivers. Accordingly, depending on the type of coverage, it can provide compensation for the value of the vehicle or other covered items against various risks. So, let’s talk about different types of car insurance below.
-
Liability Car Insurance
What is liability car insurance? It covers damages or injuries to other parties involved in an accident that you cause up to your policy's limit. Liability car insurance is typically divided into two categories: bodily injury liability and property damage liability. Bodily injury liability covers medical expenses and lost wages of other parties involved in an accident that you are responsible for, while property damage liability covers damages to the other party’s property, such as their car, fence, or house.
For instance, you are driving your car and accidentally hit another vehicle, causing the driver and their passengers to sustain injuries. In this scenario, bodily injury liability coverage would help cover the medical expenses and lost wages of the injured parties up to your policy's limit. On the other hand, let's say you are driving your car and accidentally hit a parked car, causing significant damage to the vehicle. Here, property damage liability coverage would help cover the cost of repairs or replacement of the other driver's car.
Moreover, the cost of liability car insurance can vary depending on various factors, such as the state you live in, your driving history, the make and model of your car, and the amount of coverage you choose to purchase. According to a recent study, the average cost of liability car insurance in the United States is around $565 annually. However, this can vary significantly depending on the state you live in.
Thus, liability car insurance is an essential type of coverage that helps protect you from potentially costly lawsuits that may arise from an accident. It is crucial to understand your policy's coverage limits and requirements to ensure that you have adequate protection in the event of an accident.
-
Collision Insurance
Collision insurance pays for the cost of repairing or replacing your vehicle if it is damaged in a collision with another vehicle or object, regardless of who is found to be at fault. It is an optional type of coverage that can provide additional financial protection for your car in the event of an accident.
Moreover, collision insurance covers incidents such as hitting a pothole, hitting an animal, or rolling your car over. However, it is important to note that collision insurance does not cover damage to other vehicles or property in an accident, which is covered by liability insurance. Also, collision insurance is not required by law, unlike liability insurance. However, if you have a car loan or lease, the lender or leasing company may require you to carry collision insurance as part of the loan or lease agreement.
On the other hand, collision insurance is often recommended for newer or more valuable vehicles, as the cost of repairing or replacing the vehicle can be substantial. Typically, the more expensive and newer the car, the higher the collision insurance premiums will be. So, collision insurance can be beneficial for those who have a higher risk of being in an accident due to factors such as driving in busy urban areas or having a history of accidents.
-
Comprehensive Insurance
What is comprehensive car insurance? We can define it as a shield that protects your car from many threats that can cause damage or loss. If you ask, “Does car insurance cover theft?” you should have detailed information about comprehensive car insurance. Comprehensive car insurance covers your car against all sorts of risks, including theft, vandalism, fire, and natural disasters.
For example, comprehensive car insurance covers you in case of theft. If your car is stolen, comprehensive insurance can cover the cost of the car, or if it is found, the cost of repairs if it has been damaged. This type of coverage is especially important if you live in an area with high rates of car theft.
Let’s say you're driving down the road, listening to your favorite tunes, and suddenly you hear a loud bang. You quickly pull over to the side of the road and realize that a tree has fallen on your car, damaging the roof and the hood. Without comprehensive car insurance, you would have to pay for the repairs out of your pocket, which can be a financial burden.
Moreover, natural disasters can also cause significant damage to your car. A hailstorm can leave your vehicle pockmarked and dented, while a flood can cause water damage that can be expensive to repair. Comprehensive car insurance can cover the cost of repairs and ensure that you are not left stranded without a car.
Thus, comprehensive car insurance is a must-have for anyone who wants to have peace of mind and protect their vehicle from unexpected events that can cause damage or loss. It's not just about covering the cost of repairs but also about protecting your investment and ensuring that you can get back on the road as quickly as possible.
-
Uninsured And Underinsured Motorist Insurance
Uninsured and underinsured motorist insurance (UM/UIM) provides coverage for drivers who are involved in an accident with another driver who either has no insurance or inadequate insurance coverage to pay for the damages caused. UM/UIM insurance can help protect you financially and give you peace of mind knowing that you are covered in case of an accident.
For example, you are driving on the highway, and suddenly, another driver swerves into your lane, causing a collision. The other driver does not have insurance, leaving you to cover the cost of your own medical bills, car repairs, and other damages out of your own pocket. Without UM/UIM insurance, you would have to bear the financial burden of the accident yourself. So, UM/UIM insurance includes medical expenses, lost wages, and other costs associated with the accident.
UM/UIM insurance can also be valuable in situations where the other driver has insurance, but their policy limits are not sufficient to cover the damages caused by accident. For instance, if you are involved in an accident where the other driver has a $50,000 policy limit, but your damages total $75,000, your insurance would only cover $50,000 of your expenses. Without UM/UIM coverage, you would have to pay the remaining $25,000 out of your own pocket. With UM/UIM insurance, you would be covered for the remaining $25,000 up to the limits of your policy.
In conclusion, UM/UIM insurance is an important coverage to consider when purchasing car insurance. It can provide you with financial protection in the event that you are involved in an accident with an uninsured or underinsured driver. That is complete peace of mind knowing that you are covered and won't be left to bear the financial burden of an accident that wasn't your fault.
-
Personal Injury Protection Insurance
Personal Injury Protection (PIP) insurance provides medical and lost wage coverage for drivers and passengers who are injured in a car accident. PIP insurance is no-fault insurance, which means that it covers medical expenses regardless of who caused the accident. PIP insurance can cover a range of expenses, including ambulance fees, hospital bills, surgical procedures, medication, rehabilitation, and lost wages.
Moreover, PIP insurance offers coverage for passengers in your car who may be injured in an accident. For instance, if your friends are riding in your car and are injured in an accident, PIP insurance can cover their medical expenses and lost wages, even if they have their own health insurance. So, we can describe it as peace of mind knowing that you are covered regardless of who caused the accident.
Medical Payments Coverage
Medical payments coverage, also known as MedPay, pays for medical expenses incurred by you or your passengers in the event of an accident. This coverage is optional in most states, but it can be a secondary addition to your car insurance policy. There are some main differences between PIP and MedPay.
While PIP coverage is required in some states, MedPay coverage is optional in most states. PIP coverage typically covers a wider range of expenses, including lost wages, rehabilitation costs, and other related expenses, in addition to medical expenses. On the other hand, MedPay coverage is usually limited to medical expenses only.
In conclusion, MedPay coverage can be a valuable secondary addition to your car insurance policy. So, it's important to consider these differences between MedPay and PIP when choosing the right type of coverage for your needs.
-
Gap Insurance
Gap insurance (Guaranteed Asset Protection Insurance) covers the difference between the actual cash value of a vehicle and the amount still owed on a loan or lease in the event of an accident or theft. It can be a useful investment for those who are financing a vehicle and want to protect themselves from the financial burden that comes with a total loss.
For example, you purchase a car for $30,000 and finance it over five years. After one year, you still owe $25,000 on loan. Unfortunately, your car is totaled in an accident, and the insurance company determines that the vehicle's actual cash value is only $20,000. Without gap insurance, you would be responsible for paying the $5,000 difference out of pocket. However, if you have gap insurance, the policy would cover that $5,000, so you wouldn't have to pay anything.
Another scenario where gap insurance can be useful is when a vehicle is leased. When a lease agreement is signed, the lessee agrees to make payments on the vehicle for a specified period. At the end of the lease term, the vehicle is returned to the dealership. However, if the vehicle is involved in an accident or is stolen, the lessee is still responsible for paying the remaining balance on the lease. In this case, gap insurance can cover the difference between the actual cash value of the vehicle and the remaining balance on the lease.
Moreover, it is important to note that gap insurance is not required by law, and some lenders and dealerships may offer it as an optional add-on to a financing agreement. The cost of gap insurance can vary depending on the insurance company, the make and model of the vehicle, and the length of the loan or lease. So, it is worth considering as an optional add-on to a financing agreement.
-
Roadside Assistance Coverage
Roadside assistance coverage provides drivers with assistance if they experience a breakdown or other issues while driving. It typically includes services such as towing, jump-starts, flat-tire changes, and lockout assistance. So, roadside assistance coverage can be useful for drivers, especially those who frequently travel long distances or drive older vehicles.
For example, if drivers experience a breakdown or other issues while driving, they can contact their insurance provider and receive assistance quickly. It can be especially helpful if drivers are in an unfamiliar area or are traveling alone. Also, you should know that roadside assistance coverage can include basic services such as towing and jump-starts or more comprehensive coverage, including services such as rental car reimbursement and travel interruption coverage.
In conclusion, roadside assistance coverage can save drivers time and money by providing them with the services they need to get back on the road quickly. It is important to know that some insurance providers offer roadside assistance coverage as an add-on to their existing policies, which can make it more convenient for drivers to purchase.
-
Rental Car Insurance
Rental car insurance provides financial protection in case of damage, theft, or an accident while driving a rented vehicle. It is an optional coverage that rental car companies offer to their customers. There are several types of rental car insurance that you can purchase, including collision damage waiver (CDW), loss damage waiver (LDW), personal accident insurance (PAI), and personal effects coverage (PEC). Let’s talk about what they cover.
Collision damage waiver (CDW) is perhaps the most common form of rental car insurance. It covers the cost of repairs to the rental car if it is damaged in an accident or collision. CDW may also cover the cost of towing and storage fees if the rental car is not drivable. However, it does not cover damage to other vehicles, property, or injuries to people.
Loss damage waiver (LDW) is like CDW, but it covers a broader range of damages. LDW covers the cost of repairs to the rental car if it is damaged or stolen, as well as any towing and storage fees. Unlike CDW, LDW may also cover damage to other vehicles, property, or injuries to people. However, it does not cover intentional damage, driving under the influence of drugs or alcohol, or damage caused by a violation of the rental agreement.
Personal accident insurance (PAI) provides coverage for medical expenses if you or your passengers are injured in an accident while driving the rental car. PAI may also cover ambulance fees and other medical expenses. However, it does not cover injuries sustained outside of the rental car.
Personal effects coverage (PEC) provides coverage for personal belongings that are stolen or damaged while in the rental car. More specifically, while PEC typically covers items such as laptops, cameras, and luggage, it may not cover high-value items such as jewelry or cash.
In conclusion, rental car insurance can provide important financial protection in case of an accident, theft, or damage to a rental car. It is important to know that rental car insurance is typically optional coverage. If you have comprehensive collision coverage on your personal auto policy, it may extend to a rental car. So, do not forget to check with your insurance company to verify coverage before renting a car.
-
Classic Car Insurance
Classic car insurance is designed to meet the unique needs of owners of antique, vintage, and classic cars. Classic car insurance policies provide coverage for collectible and rare classic cars that are not typically driven daily. There are several types of classic car insurance policies available, including agreed value, stated value, and actual cash value. Let’s discuss what they cover.
Agreed value is the most common type of classic car insurance policy. It provides coverage for a specific amount that is agreed upon by the insurance company and the owner of the car. The agreed value is based on the car's condition, rarity, and other factors. If the car is damaged or stolen, the insurance company will pay the agreed value, minus the deductible.
Stated value is another type of classic car insurance policy. It provides coverage for a specific amount that is stated in the policy. However, unlike agreed value, the stated value is not necessarily based on an appraisal or agreed-upon value. Instead, the owner of the car sets the value when purchasing the policy. If the car is damaged or stolen, the insurance company will pay the stated value, minus the deductible.
Actual cash value provides coverage for the market value of the car at the time it is damaged or stolen. The market value is determined by factors such as the car's age, condition, and mileage. If the car is damaged or stolen, the insurance company will pay the actual cash value, minus the deductible.
Moreover, classic car insurance policies may include coverage for spare parts, roadside assistance, and liability coverage. Spare parts coverage provides protection against the cost of replacing or repairing parts that are damaged or stolen from the car. Roadside assistance provides coverage for towing, jump-starts, and other emergency services. Liability coverage provides protection in case you are found liable for damages or injuries caused by an accident while driving a classic car.
In conclusion, we can describe classic car insurance as a useful investment in terms of protecting the value of your vehicle. It is important to note that classic car insurance policies typically have limitations on the number of miles the car can be driven per year and where it can be stored. These limitations help to ensure that the car is being used for its intended purpose as a collectible or rare vehicle.
-
Towing And Labor Coverage
Towing and labor coverage is an optional add-on to car insurance policies that provides coverage for the costs associated with towing and roadside assistance. It is designed to help drivers in case of unexpected events that leave their car immobile or require roadside assistance. More specifically, this coverage covers the costs associated with towing the car to a repair shop or garage but also covers other labor costs associated with fixing the car on the spot.
Moreover, some common types of labor coverage include jump-starting a dead battery, changing a flat tire, or unlocking a car door if the keys are locked inside. For example, if you are driving on a highway and your car experiences a flat tire, towing and labor coverage would help cover the costs associated with having a tow truck come to your location and change the tire for you.
On the other hand, it is important to note that towing and labor coverage is typically an optional add-on to car insurance policies. While it may be included in some comprehensive car insurance policies, it is important to check with your insurance provider to see if it is included in your policy or if you need to add it separately. Thus, towing and labor coverage can be useful in case of unexpected breakdowns or accidents.
-
Non-Owner Car Insurance
Non-owner car insurance provides liability coverage to individuals who do not own a car. This type of insurance is designed to protect individuals who drive someone else's car or use rental cars frequently. There are several car insurance companies that offer non-owner car insurance, including GEICO, Progressive, and State Farm. These policies typically provide liability coverage for bodily injury and property damage, and some may also offer coverage for medical expenses and uninsured/underinsured motorists.
For example, GEICO's non-owner car Insurance policy provides liability coverage up to the limits of the policy, as well as coverage for medical expenses for the driver and passengers. Progressive's policy also provides liability coverage and may include coverage for rental car damage. Therefore, non-owner car insurance can offer peace of mind for individuals who do not own a car.
-
Pay-As-You-Go Insurance
Pay-as-you-go insurance, also known as usage-based insurance, is a type of car insurance policy that allows drivers to pay for coverage based on the miles they drive or their driving habits. It offers a cost-effective solution for individuals who do not drive frequently or have safe driving habits.
More specifically, pay-as-you-go insurance works by using telematics devices to track a driver’s mileage, speed, braking, and other driving habits. Car insurance companies use this information to calculate the cost of the policy. Drivers are typically charged a base rate and then an additional fee for each mile driven or for driving habits that increase risk, such as hard braking or speeding.
In conclusion, pay-as-you-go insurance allows drivers to pay only for the miles they drive, which can be significantly less than the cost of a traditional policy. It can also encourage safe driving habits and result in lower premiums for drivers who drive safely.
What are the Differences Between Long-Term Car Insurance and Short-Term Car Insurance?
Long-term car insurance and short-term car insurance differ in several ways. Below are some of the key differences between these two types of car insurance policies:
Coverage Period
The most significant difference between long-term and short-term car insurance is the coverage period. Long-term car insurance provides coverage for an extended period, usually, one to five years, while short-term car insurance provides coverage for a shorter period, usually up to six months.
Cost
Long-term car insurance policies tend to cost less than short-term car insurance policies per month. This is because insurers offer discounts to policyholders who opt for longer terms.
Flexibility
Short-term car insurance policies offer more flexibility than long-term car insurance policies. They allow drivers to purchase coverage for a specific period, such as a week or a month. This is ideal for individuals who only need coverage for a short period, such as when borrowing a friend's car or renting a car for a vacation.
Renewals
Short-term car insurance policies require frequent renewals, whereas long-term policies only need renewal once a year or every few years. Since short-term car insurance policies result in higher costs due to renewal fees, they are time-consuming.
Coverage Options
Short-term car insurance policies tend to offer limited coverage options compared to long-term car insurance policies. Long-term policies often provide more extensive coverage options, such as comprehensive and collision coverage, than short-term car insurance policies.
Thus, long-term car insurance and short-term car insurance differ in coverage period, cost, flexibility, renewals, and coverage options. For this reason, individuals should consider their car insurance needs and driving habits to determine which policy type is most suitable for them.
What Is a Deductible in Car Insurance?
A deductible is the amount of money that a policyholder must pay out of pocket before their insurance coverage kicks in. In other words, it is the portion of a claim that the policyholder is responsible for paying. For example, if a policyholder has a deductible of $500 and gets into an accident that causes $2,000 worth of damage to their car, they would be responsible for paying the first $500, and the insurance company would cover the remaining $1,500.
Deductibles can be set at different amounts according to various insurance policies. Most car insurance policies offer deductibles that range from $250 to $1,000, but some policies may have higher or lower deductibles. In general, the higher the deductible, the lower the insurance premium. This is because the policyholder is taking on more financial responsibility, which reduces the risk for the insurance company and, in turn, lowers the cost of the policy.
Moreover, there are two types of deductibles in car insurance: a collision deductible and a comprehensive deductible. A collision deductible applies when a policyholder is involved in an accident with another vehicle or object, such as a tree or a guardrail. A comprehensive deductible applies when a policyholder experiences damage resulting from a collision, such as theft, vandalism, or weather-related damage.
When purchasing car insurance, policyholders can choose their deductible amount based on their personal preference and financial situation. In addition to choosing a deductible amount, policyholders should consider other factors that can affect their car insurance premiums, such as their driving record, age, location, and type of car they drive. Thus, when choosing a deductible amount, policyholders should consider their financial situation and other factors affecting their car insurance premiums.
How Much is Car Insurance?
There are different answers to the “How much is car insurance?” question. The reason is that the cost of car insurance can vary widely depending on several factors, such as the driver’s age, driving history, location, and type of car. It also depends on the level of coverage, including liability, collision, and comprehensive coverage. According to recent data, the average cost of car insurance in the United States is around $1,400 annually.
What are Car Insurance Quotes?
Car insurance quotes are a kind of prediction of the cost of car insurance provided by an insurance company. If you are looking to purchase car insurance, you can request a quote from an insurance provider. So, the car insurance quotes will provide the person with an estimated cost of the insurance policy based on factors such as the driver's age, driving record, location, and type of car.
What are Car Insurance Premiums?
Car insurance premiums are the amount of money paid by the policyholder to the insurance company to maintain their car insurance coverage. Also, the cost of the premium is determined by several factors, such as the level of coverage, the driver's age, driving history, location, and type of car. It is essential to know that premiums are typically paid on a monthly or yearly basis.
Risk Assessment
When determining the cost of car insurance premiums, car insurance companies conduct a risk assessment. This involves analyzing the likelihood that a policyholder will file a claim and the potential cost of that claim. Factors such as the driver's age, driving record, location, and type of car are all taken into consideration.
For example, a person with a clean driving record is considered lower risk and therefore has a lower premium than a person with a history of accidents or traffic violations. Similarly, a person who drives a newer or more expensive car may have a higher premium than a person who drives an older, less valuable car. Ultimately, the risk assessment helps car insurance companies determine the appropriate premium for each individual policyholder based on their unique circumstances.
What are Car Insurance Discounts?
Car insurance discounts enable car insurance companies to reward drivers who display good driving habits, vehicle safety features, and other factors that can lower the risk of accidents or claims. So, we can describe car insurance discounts as rewards given by car insurance providers to drivers who exhibit certain characteristics or meet specific requirements.
Since car insurance discounts can make car ownership more affordable, it is important to know that there are several types of car insurance discounts available, each with its own eligibility requirements and potential savings. Let’s look at some of the most common car insurance discounts below:
Safe Driver Discount
Safe driver discount is for drivers who have a clean driving record for a certain period, typically three to five years. More specifically, drivers who have no accidents, tickets, or other violations during this time are considered low-risk and may qualify for a safe driver discount. So, safe driver discounts can save drivers up to 30% on their insurance premiums.
Multi-car Discount
If you have more than one car in your household, you may be eligible for a multi-car discount. This discount applies when you insure multiple cars with the same insurance provider. Thus, the more cars you insure, the higher the discount you may receive, potentially saving you up to 25% on your insurance premiums.
Bundling Discount
Many car insurance companies offer discounts to their customers who bundle multiple types of insurance, such as car insurance and homeowners insurance. So, by bundling your policies, you can often save money on both your car insurance and your other insurance policies.
Good Student Discount
Students who maintain a certain grade point average (typically a B average or higher) are considered eligible for a good student discount. This discount recognizes that students who perform well in school are often more responsible drivers. So, good student discounts can save drivers up to 15% on their insurance premiums.
Defensive Driving Discount
Drivers who complete a state-approved defensive driving course are considered eligible for a defensive driving discount. These courses teach drivers safe driving techniques and help reduce the risk of accidents to a certain degree. So, if you complete a defensive driving course, you can save up to 10% on your insurance premiums.
Vehicle Safety Discount
If your car has certain safety features, such as anti-lock brakes, airbags, or an anti-theft system, you may be eligible for a vehicle safety discount. This is because these features can help reduce the risk of accidents or theft and can save drivers up to 15% on their insurance premiums.
Low Mileage Discount
If you drive fewer miles than average, you can be considered eligible for a low mileage discount. This discount recognizes that drivers who drive less are less likely to be involved in accidents. So, low mileage discounts can save drivers up to 20% on their insurance premiums.
In conclusion, car insurance discounts can be an effective way for drivers to save money on their car insurance premiums. If you comply with the above-mentioned conditions, you may be eligible for significant discounts.
Why is it Important to Compare Car Insurance?
If you compare different car insurance according to your budget and needs, you can find the best coverage and rates available in the market. Therefore, comparing car insurance is vital to have the right coverage to protect yourself and your vehicle in case of an accident or other unexpected events.
One of the most significant benefits of comparing car insurance is cost savings. Car insurance rates can vary widely between car insurance agents. For this reason, shopping around helps you find the most affordable coverage. So, you can find the best policy according to your needs and budget by comparing car insurance quotes from multiple companies.
Another important benefit of comparing car insurance policies is to discover what is included and excluded in each policy. It can help you identify any hidden fees, deductibles, and other costs associated with the policy. So, this knowledge allows you to save money on your car insurance premiums while ensuring that you have the right coverage for your needs.
Explore How to Reduce Car Insurance Costs with Pedal Commander
As you know, reducing car insurance costs is a priority for many drivers. What if this is possible with a high-quality aftermarket part? Even though many aftermarket parts can void car insurance and car warranty, there is a perfect aftermarket part. Here is Pedal Commander! Pedal Commander is the most reliable and practical throttle response controller on the market. It is designed to eliminate throttle lag from your accelerator pedal.
Unlike other performance parts, Pedal Commander respects the factory settings of your vehicle. The reason is that it has no direct or radical intervention in the way the original engine parts work. So, Pedal Commander does not void your car insurance and your car warranty. Also, it is quick to install. If you have 10-15 minutes, you can easily install Pedal Commander without going to a mechanic.
Moreover, Pedal Commander is designed with cutting-edge technology. You can easily operate it from your mobile phone thanks to the Pedal Commander app equipped with advanced Bluetooth specifications. Additionally, Pedal Commander offers effective performance, high acceleration, and fuel efficiency at the same time, thanks to its four adjustable driving modes (Eco, City, Sport, Sport+).
Let’s talk about how Pedal Commander helps reduce your car insurance costs. Pedal Commander Eco mode saves fuel economy up to 20% by optimizing throttle response. Since Pedal Commander City mode provides smoother acceleration, it helps reduce wear and tear. So, this situation allows you to get lower car insurance premiums while encouraging safer driving habits.
In conclusion, Pedal Commander promises drivers more controlled acceleration, so it can lower the risk of collisions and consequently lower liability risks. As you can guess, this situation helps you save money on your car insurance premiums over time. So, if you want to take your vehicle to the best version, all you need to do is watch our YouTube video:
