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…

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Can I buy car insurance by the mile?

Pay-as-you-go car insurance is one of the newest trends to sweep through the insurance industry. Beginning with Progressive’s “Snapshot” program and spreading to most major insurers, this type of auto insurance allows customers to buy coverage based on their actual driving habits rather than statistical information. While this is a great option for some people,…

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Will my car insurance cover my boyfriend?

Yes! If your boyfriend is a licensed driver and has your permission to use your car, he generally would be covered under your auto insurance. He should also be of legal age, as special rules apply to underage drivers in many states. Auto insurance policies generally cover the named insured and is issued in the…

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How much car insurance should I buy for a new car?

The simplest way to determine how much auto insurance you need for new car is to ask yourself how much coverage money you’ll need if the vehicle was stolen or totaled in an accident. Determining your total protection involves several factors that include bank loans, depreciation, extra components, car modifications and the amount of risk…

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Can I buy car insurance after a gap in coverage?

If you need to buy new car insurance after a gap in coverage rest assured that it’s entirely possible. The only question that remains is how much it will cost you. Depending on the reason for your gap in coverage, you may find that your rates are higher and the number of car insurance companies…

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Can I drop collision or comprehensive coverage?

Should you decide to drop your collision or comprehensive car insurance, it’s simply a matter of contacting your car insurance company and letting them know. However, before you do, you need to consider your decision wisely. There are certain factors that undoubtedly played into getting collision and comprehensive to begin with, so make sure you’re…

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What to expect when filing a car insurance claim?

In order to receive an insurance settlement for injuries or damages after an accident, you need to file a claim with a car insurance company. Some individuals may carry insurance for several years without ever needing to file a claim. Unfortunately, accidents can and do happen every day, so you may some day need to…

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Most Common Car Insurance Claims

Approximately 12 million auto accidents occur each year and of these, the vast majority are minor collisions, also called “fender benders.” In this type of accident, damages are fairly minor and there are no major injuries. Around 42,000 people die each year in serious collisions, and nearly half of these are caused by drunk drivers….

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Types of Car Insurance Coverage

Most people are aware that they need to carry car insurance in order to operate their vehicle, but they may not know how many types of auto insurance coverage are available and what may be necessary for their specific situation. If you don’t know how insurance works, you may not purchase an appropriate amount of…

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How Car Insurance Works

Like all types of insurance, auto insurance is protection against the possibility of a catastrophe. Many people who purchase auto insurance never need to use their coverage; in fact, most people purchase an auto policy in the hopes that they won’t need it. Whenever an accident does happen, however, auto coverage will pay for the…

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