There are often cases where motorists need to find out if an auto has insurance coverage or not and it may even be their own automobile. There are several sources keeping or able to find insurance details of cars and the state Department of Motor Vehicles (DMV) is one of them. The DMV usually wants…Continue reading
Frequently Asked Questions
It is normal to have many questions on auto insurance coverage, policies, claims or prices. A few of those questions find answers on this car insurance comparison website.
Auto Insurance Market Size and Competition
The size of the US auto insurance market is $330 billion in 2023. Only 5 companies, State Farm, GEICO, Progressive, Allstate and USAA, have 60% share of the market, although there are many other well established carriers serving owners of nearly 104 million personal automobiles in the country satisfactorily. So, when motorists switch providers, they…Continue reading
What If My Car Is Worth More than I Declared for Insurance?
Last year used car prices went up around 40% and created a situation in which vehicles insured appeared to be undervalued. It was a phenomenon that affected premiums at the end but nobody could have predicted such a thing and certainly policyholders had nothing to do with it. So, this was not a case of…Continue reading
Pay-In-Full Auto Insurance Discount
Providing they have the money; this is one of the easiest car insurance discounts motorists can get since all they need to do is pay premiums in full upfront to save on average 9%, which isn’t a small amount for most people. Furthermore, they avoid paying installment arrangement or service fees that reduce costs another…Continue reading
How Long Does a Ticket Stay on Your Record?
Most moving violation tickets like speeding or failing to stop at lights remain on your driving record for 3 years in most states and drop off the history in the end. However, each state has their own rules and it can last longer in some states. Major traffic tickets like driving intoxicated usually stay on…Continue reading
12 Questions to Ask when Buying Auto Insurance
Having a set of questions to ask yourself, brokers and vehicle insurers allow you to buy car insurance coverage needed at a fair price and from a reputable company. As you go through them you reconfirm your decisions and ensure there is nothing else you can do to arrange a satisfactory policy. Besides, this practice…Continue reading
Do You Buy the Car or Insurance First?
It is always a good idea to get your quotes first before you buy a vehicle so that you know exactly how much it is going to cost to insure your new ride and you are ready to buy the policy the moment you know you will buy the car. It is best to buy…Continue reading
Does Having a Garage Cut my Auto Insurance Costs?
People may think that their cars would be sitting nice and cozy in the garage well protected from thieves, vandals and elements and auto insurance companies must offer them large discounts for it. This is a myth among motorists and sounds like it makes perfect sense. In reality, car insurers don’t even ask if you…Continue reading
Why Is Car Insurance Enforced but Not Health or Life?
Almost from the moment there were vehicles on the road there had to be a solution to deal with the possible damages an accident can cause. Otherwise, it would lead to a social problem where either the sate or innocent victims had to pay for a loss caused by someone who chose to drive an…Continue reading
Can Auto Insurers Deny Renewal due to Claims or Tickets?
It is assumed that motorists will get a new quote automatically at the end of each policy term. However, car insurers can deny renewal due to a large at-fault claim or too many of them in a short period of time, several traffic tickets or one major violation because these are clear indications of increased…Continue reading
How Can I Lower my Car Insurance without Reducing Coverage?
Most motorists buy auto insurance not because it is legally required but it gives tremendous peace of mind. It would be a shame to weaken valuable protection a policy provides in order to save some money. The good news is that you can achieve decent savings while keeping or even increasing coverage. Some of the…Continue reading
Do I Need Insurance to Register a Car?
States rigorously enforce the minimum auto insurance liability coverage requirements they set by laws. It is now much harder to drive undetected thanks to online connectivity between them and carriers. Generally, you cannot register a car if you don’t have the proof, which is another layer in the system to ensure people are buying at…Continue reading
Do I really Need GAP Insurance?
You would probably hear about Guaranteed Auto Protection or someone will try to sell it to you when you are buying a vehicle with credit. It only comes into picture if you are upside down on an auto loan. It is there to pay off the debt in case your automobile is totaled and you…Continue reading
Should Students Use Home or College Address for Auto Insurance?
Usually, when someone starts a college away from home (in the same or different state) they start spending their time in two places. It may be confusing to choose which one to use for car insurance purposes. In that case, it is important to try and provide the true picture when you are getting quotes…Continue reading
Can I Drop my Child Away at College from Car Insurance?
Many insurers will agree to drop a child away at college from auto insurance if they study full time at least 100 miles away. If they are likely to spend most of the year at school, this may be a sensible choice since parents can save between $1000 – $2000 a year by doing so….Continue reading
What Is a Car Insurance Quote?
When motorists want to buy a policy they need to answer a few questions about their vehicles, theirselves, whoever else will be driving it and coverage required. An auto insurance quote is an estimate of the premium one particular insurer proposes to charge, based on the coverage requirements and details provided by the applicant. It…Continue reading
Does Liability Insurance Cover my Own Car?
Every motorist has different coverage requirements and expectations. You may be buying auto insurance just to comply with the state laws. Then Liability coverage may be enough. But you need to manage expectations, as policies with only state minimum limits are very basic. They don’t include many things and may not even provide sufficient defence…Continue reading
Is It Illegal To Not Have Car Insurance?
Yes, car owners must buy at least minimum liability auto insurance to be able to drive it legally. Federal laws require every driver to have liability insurance to protect the interest of pedestrians, other road users, vehicle and property owners against damages and injuries caused by driving a vehicle. Every state implemented federal laws into…Continue reading
How Long till Auto Insurance Cancelled if Premium Unpaid?
You have entered into a contract with the provider when you took out a policy. In that car insurance company will compensate your losses and you will make the payments in due course. If you paid the premium in full you have satisfied the requirements right at the start. However, you may have set up…Continue reading
How Long Can You Be without Auto Insurance?
There may be several circumstances in which you would want to know if you could still drive an automobile even though it isn’t insured. Also, not every vehicle is bought to be driven on the roads immediately. Some people may buy them as investments or it may not even be in working condition. It may…Continue reading
When Does Car Insurance Activate?
You don’t want to make mistakes when insuring an automobile and want to know exactly when it will be placed on cover. You may need it to start at a later date or as quickly as possible depending on circumstances and current policy. Knowing where you stand will reduce anxiety and allow you efficiently move…Continue reading
Is Car Insurance More Expensive for Males or Females?
Many considerations are taken into account when underwriters calculate premiums. They all try to figure out level of risks they are exposed to. If you are statistically deemed to be more likely to cause accidents you will have to pay more money to compensate for it. Quite often people ask; is car insurance higher for…Continue reading
I Need an SR22 but Don’t Own a Car
If you are asked to file this certificate it is because you lost your license due to causing an accident while uninsured, getting caught while drunk or driving recklessly. You may have lost it as a result of series of traffic tickets as well. Now, if you want it back you need SR22 insurance. Do…Continue reading
What Age Can You Get your Own Car Insurance?
You may not be an adult yet in terms of age but you may be a self-reliant teenager making a living. Then, you would probably want to have a car and policy independently. It is symbolic and generally necessary to have an automobile to move around freely and easily. But can a minor get auto…Continue reading
Can I Transfer Insurance from One Car to Another?
Many people either trade in their old automobiles or sell them independently when they buy another one. Most people don’t need, don’t have space or cannot afford two of them. If this is the plan you don’t need to buy a separate policy for the new automobile most of the time, especially when you are…Continue reading
Do Insurance Pay for Rental Cars after Accidents?
Hopefully this question is asked before a crash. Motorists with full coverage auto insurance can add Rental Car Reimbursement cover, which pays for rental vehicles while the insured car is being repaired after an accident. Usually, this optional provision is pretty affordable and readily available. It may be a handy solution for people who must…Continue reading
Can I Cancel my Car Insurance Anytime?
There can be many reasons for wanting to end a policy contract like no longer owning the vehicle or finding a much better coverage at a cheaper price. The good news is that you can cancel your auto insurance anytime. However, you may have to pay a fee for aborting it before its term and…Continue reading
What Documents Do I Need to Get Car Insurance?
Lately car insurers are trying hard to price risks fairly so that good drivers get rewarded deservedly and problematic applicants are made to pay more for the extra risks associated with them. So, providing all the facts helps you get the best price. You may want to rely on certain documents when getting auto insurance…Continue reading
How Much Should I Be Paying for Car Insurance?
Many things that affect the amount of auto insurance premium a motorist should pay are personal, like age, coverage preferences, vehicle driven, accident and ticket history and credit score. They all play significant parts in determining the rates but all start with where you live. There can be significant differences in rates applicable to you…Continue reading
How Long Does It Take to Get Car Insurance?
The good news is that automobile insurance is one of the easiest types of policies you can buy. Most companies can place you on cover almost instantly as soon as you complete the proposal form. They don’t need to see you in person or get a doctor to examine you. People can compare quotes, purchase…Continue reading