Car Insurance Basics

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Can a speeding ticket cancel my car insurance?

Auto insurance premiums are determined by a number of different factors. Essentially, car insurance companies determine the cost of premiums by assessing a driver’s risk of being involved in an accident. High-risk drivers are those who have been involved in accidents in the past or who engage in risky driving behaviors. A poor driving history...

Auto insurance premiums are determined by a number of differ...

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Is diminished value the same as Gap Insurance?

Vehicles depreciate rapidly, and a vehicle that’s been involved in an accident loses value even quicker. Although auto insurance will pay for the repairs to a vehicle, standard full coverage insurance does not cover the loss of value a vehicle may receive after the accident occurs. There are two ways to recover the loss of...

Vehicles depreciate rapidly, and a vehicle that’s been...

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What happens if I don’t buy car insurance?

Auto insurance can be expensive, and many people may find it difficult to justify the cost of insuring a vehicle that they rarely drive. Although it may be tempting to forgo insurance, the costs of being uninsured greatly outweigh the benefits of avoiding an insurance policy. Driving without insurance can lead to lawsuits, suspended licenses...

Auto insurance can be expensive, and many people may find it...

Car Insurance 101Post

Car Insurance 101

In order to own and operate a vehicle, all drivers need auto insurance. Specific requirements vary from one state to the next, but all areas require drivers to maintain basic liability coverage. This insurance covers damages and injuries that a driver causes with their vehicle. In addition, drivers can choose to purchase full coverage insurance,...

In order to own and operate a vehicle, all drivers need auto...

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Can I add my wife to my car insurance policy?

Whenever you purchase auto insurance, your car insurance company will ask you a few questions about your household and driving habits. One question they will ask is whether anyone else in your home has access to your vehicles. Anyone who lives in your home and is able to drive your car will be assumed to...

Whenever you purchase auto insurance, your car insurance com...

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Do I need car insurance on a car I am restoring?

Any vehicle you own that could cause damage to another person’s property needs to carry liability insurance. Even if you don’t drive the vehicle regularly, you should carry insurance on that car. In the case of classic cars or those undergoing restoration, carrying certain auto insurance coverage is a wise idea. It may not be...

Any vehicle you own that could cause damage to another perso...

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Can I increase my car insurance at any time?

Car insurance is one bill that cannot be completely cut from a household budget. As long as you own a vehicle, you need to carry liability insurance. If you want that vehicle to be repaired when it’s damaged, you will need to purchase full coverage auto insurance as well. The more coverage your policy includes,...

Car insurance is one bill that cannot be completely cut from...

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Can I add my husband to my car insurance policy?

Most people live separate lives before getting married. After the wedding, couples must decide what accounts to keep and where to consolidate: whose house to live in, which cable company to use or whose insurance to cover the house and cars. While it’s perfectly acceptable to insure your own vehicle and have your spouse insure...

Most people live separate lives before getting married. Afte...

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Can I add my cousin to my car insurance policy?

Whenever you purchase an auto insurance policy, your car insurance company will ask who has access to your vehicles or will be regularly driving them. This question helps to determine the insurance rates charged for a given vehicle. If a vehicle is routinely driven by someone not listed on the policy, this may cause problems...

Whenever you purchase an auto insurance policy, your car ins...

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Can I add my stepdaughter to my car insurance policy?

When you purchase a new vehicle, you need to put insurance on that car. For the most part, car insurance follows the vehicle rather than the driver. This means that as long as a person has permission to drive the car, any accidents occurring in that vehicle will be covered regardless of if that person...

When you purchase a new vehicle, you need to put insurance o...

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Can I add my stepson to my car insurance policy?

If you have teenagers or adult children living in your home, they will have access to your vehicles. If your child or stepchild drives your vehicle and is involved in an accident, would the claim be covered by insurance? What does it mean to add a driver to your policy? Who can be added to...

If you have teenagers or adult children living in your home,...

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Do I have to buy car insurance if I only drive occasionally?

Suppose you have a car which is stored the majority of the time. You only take it out once a month to drive it around the block and keep it running, or perhaps you only use it two or three weeks out of the year at your vacation home. Do you really need to keep...

Suppose you have a car which is stored the majority of the t...

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When does my car insurance expire?

Depending on the terms of your policy and the state you reside in, your car insurance can expire anywhere between six and twelve months after your original start date. For example, if your first day of coverage begins on June 1st and you have a six-month policy, the expiration date will most likely be December...

Depending on the terms of your policy and the state you resi...

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Need Car Insurance – It Pays to Learn a Little!

Choosing the right car insurance company can seem like a challenging task but today’s drivers have many advantages over previous generations. Car insurance companies have always fiercely competed for your business but the internet has proven to be a valuable resource to assist in finding affordable car insurance rates than ever before. With just a...

Choosing the right car insurance company can seem like a cha...

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