Car Insurance Fundamentals
Learn the fundamentals of car insurance including the difference between liability, collision, and comprehensive coverages, personal injury protection (PIP), medical coverage, and more
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Same Day Car InsuranceNeed car insurance ASAP? Like, today? You can get same-day coverage from most insurance companies by following this advice.
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No Car, But Still Drive? Get Non-Owner Car InsuranceWhat is non-owner car insurance? Where do you buy it? How much does it cost? Here are answers to those and other questions.
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12 Car Insurance Myths DebunkedWe debunk 12 common car insurance myths about auto policies, coverage, discounts, and the many factors used to determine your insurance rates.
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What is Medical Payments Car Insurance Coverage?MedPay covers some of your medical bills and funeral costs if you’re in a car accident, even if you have health insurance.
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What Is a Car Insurance Deductible?Your deductible is how much you pay out of pocket before your car insurance will cover your car’s damages. Find out how deductibles work and how to choose yours.
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What Is a Loss Payee?If you take out a loan to buy a home or car, you’ve got to list the lender as a loss payee on your insurance policy. Here’s how you do that plus some other important info on loss payees.
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Does Insurance Cover Ambulance Rides?Ambulance rides are expensive. Insurance often covers them, but not always—and not always fully.
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Adding a Driver to Your Car InsuranceHere’s all you should know about adding a driver to your insurance policy – how you add them, how much it costs, and more.
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How Long After a Car Accident Can You File an Insurance Claim?Your insurance company might say you need to file a claim within 24 hours of a car accident, but you have more time than that.
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Can You Get Insurance Without a License?
You can buy car insurance with no driver’s license, but it's not so simple. Here's how to get unlicensed insurance.
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Can You Get Car Insurance With a Permit?You can get insurance with a learner’s permit. But you may not need your own policy if you live with someone who’s insured.
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Best Car Insurance for First-Time BuyersFind out how to save money and get the right policy when you buy your own car insurance for the first time.
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What is the Make and Model of a Car?Learn more what you car's make, model, year, trim level and body style are. Plus, how they impact your insurance rates.
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How Much Liability Car Insurance Do I Need?Purchase as much liability coverage as you can afford to cover your assets. Consider an umbrella policy for excess coverage.
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How to Cancel a Car Insurance PolicyAre you thinking of canceling your car insurance policy? Here’s how to do it, how much it costs, and when to avoid it.
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What is an Insurance Underwriter?Insurance underwriters decide how much you pay for coverage, how much coverage you get for that price, and more.
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What is a Car Insurance Declaration Page?The declaration page tells you everything you need to know about an insurance policy.
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SR-22 Insurance in TennesseeYou may need SR-22 insurance in Tennessee after your driver’s license is suspended. Here’s where you can get it, how much it’ll cost you, and more.
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What is Mechanical Breakdown Insurance (MBI)?Find out how much Mechanical Breakdown Insurance costs, if you need it and how it differs from extended car warranties.
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Borrowed car in accident. Whose insurance pays?What happens if someone borrows your car and gets into an accident? Find out if you're covered by your auto insurance when you loan your car to a friend or family member.
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The 10 Largest Car Insurance CompaniesFind out which car insurance companies are the largest in the market (and why it matters).
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SR-22 Insurance in OhioYou may need SR-22 insurance in Ohio if the state suspends your license. Here’s what it costs and where you can get it.
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What Is Gap Insurance? How Does Gap Insurance Work?Gap insurance is optional coverage that can help pay off your auto loan if your vehicle is totaled or stolen.
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What Is an Insurance BinderAn insurance binder offers temporary proof of insurance. Find out more about insurance binders in this article.
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Car Insurance and Vehicle RegistrationRegistering a car requires a lot of paperwork. And in most cases, you can’t register a car if you don’t have insurance.
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What Happens if You’re Caught Driving Without Insurance?If you’re caught driving without car insurance, expect legal punishment. Most states penalize you in one or more ways.
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What to Do If Your Car Insurance Is Canceled for NonpaymentYour car insurance company can cancel your policy if you miss a payment. Find out what to do in case of a cancellation.
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What is Collision Car Insurance?Learn about collision auto insurance coverage, which protects you if your car is damaged in a collision.
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What is an SR-22 Insurance Policy?What is an SR-22? Who needs it? Where do you get it? How much does it cost? Learn all you need to know about SR-22 insurance here.
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What are Car Insurance Scores?If you want to get the best car insurance rate, you need a good car insurance score. Here’s what that means and how you can raise your score.
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Antique, Collector and Classic Car InsuranceIf you have a vintage car, protect it with specialized auto insurance coverage. Here’s why, plus where you can get it.
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Rental Car Insurance CoverageAvoid paying for unnecessary rental car insurance while also making sure you’re covered. Find out what car insurance coverage you need to stay protected and avoid what you don’t.
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What Are Diminished Value Claims?A car’s resale value drops after it’s damaged in an accident. Filing a diminished value claim can make up for that loss.
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Negotiating the Value of Your Car with an Insurance Company After an AccidentDon’t like the settlement you get after a car accident? Here's how to negotiate a better payout with your insurance company.
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How to Get a Car with No CreditIf you don’t have a credit history, you can still get a car. Find out how to buy, lease, loan, or finance a car with no credit score.
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Low-Income Auto InsuranceIf you’re on a low income and can’t afford car insurance, state programs, common discounts and less coverage might help.
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What's an Umbrella Insurance Policy? Do I need One?You may need more liability coverage than a typical insurance policy provides. Umbrella policies increase your liability.
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Short-Term or Temporary Car InsuranceCan you buy temporary car insurance? Usually not, but you can cancel standard policies early. Here's all you need to know.
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What is Pay-Per-Mile Car Insurance?Do you only drive your car occasionally? Learn how pay-per-mile car insurance may help you save on auto insurance.
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Why is Collateral Protection Insurance Forced After a Car Loan?What is CPI and how does it work? This article covers lender-placed and forced auto insurance.
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Personal Injury ProtectionPersonal injury protection is perhaps the most misunderstood and unfairly ignored type of car insurance coverage. Read on to learn why it’s so important.
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Rideshare Insurance for Lyft and Uber DriversHere’s what you need to know to make sure you have the required rideshare insurance when driving for Uber or Lyft.
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Bare Minimum Car Insurance Coverage Requirements by State
Find out if your car insurance policy meets your state's minimum liability coverage requirements. We have the minimum car insurance requirement for each state.
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Getting Cheap Car Insurance with No DepositFind out how to get cheap car insurance with no deposit, and whether it’s possible to get free insurance.
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How Can I Get the Best Cheap Car Insurance With Bad Credit?Shopping around for quotes with non-standard insurers and usage-based insurance can save bad credit drivers hundreds.
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What If I Can't Afford Car Insurance?Can’t afford auto insurance? Here’s how to lower your premiums and also keep the coverage your state requires.
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What is the Texas Automobile Insurance Plan Association (TAIPA)?High-risk drivers in Texas can use the Texas Automobile Insurance Plan Association (TAIPA) to get state minimum insurance coverage.
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10 Common Car Insurance TermsIf you want to pay the lowest rates and have the right amount and types of auto insurance coverage, you need to know these commonly used words.
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How Much Does Car Insurance Go Up After an Accident?Car accidents can almost double your premiums. Shop around to minimize your insurance going up and even save hundreds.
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What Is Accident Forgiveness and Is It worth It?Insurers reward safe drivers with low premiums. And they punish people who’ve gotten into accidents by giving them higher rates. Accident forgiveness can help with the second situation.
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Reimbursement for a Rental Car Through an Insurance ClaimDepending on who was at fault, there are several possibilities for who pays for a rental car after an accident.
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Top Summer Insurance ConsiderationsCan't wait to break out your pool, boat, or trampoline this summer? Before you do, consider getting extra insurance to protect yourself from potential damages.
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What is Bodily Injury Liability Car Insurance Coverage?Learn about Bodily Injury auto insurance, including what a BI claim covers and what your policy limits should be.
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What is Third-Party Car Insurance?Learn about what third-party liability insurance covers, like bodily injury and property damage.
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Uninsured and Underinsured Motorist CoverageUninsured and underinsured motorist coverage protects you if another driver hits you and doesn't have enough or any insurance.
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Does Car Insurance Cover Vandalism if Someone Keyed My Car?Find out what to do if someone keys, scratches or vandalizes your car and if it will raise your auto insurance rates.
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What is Comprehensive Car Insurance?Comprehensive auto insurance coverage protects you if your car is damaged by something other than a collision.
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Are Hit and Runs Covered by Car Insurance?Hit and runs are covered by parts of auto insurance policies including collision and UIM coverage, PIP and MedPay.
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Does Car Insurance Cover A Stolen Vehicle?Liability insurance will not cover a stolen vehicle. Comprehensive coverage will cover the actual cash value of a stolen car.
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Car Insurance and Moving to a New StateYou may have to get a new car insurance policy after you move to another state. You have a set amount of time to do it.
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Stacked vs. Unstacked Car InsuranceWhat is stacked insurance? What is unstacked insurance? Here are the answers – plus how they differ and which is better.
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What Happens if You’re in a Car Accident with No Insurance?Whether or not you cause it, you could face fines, license or registration suspension, jail time, lawsuits, and more if you get in an accident without car insurance.
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Buying a Car Without InsuranceYou can buy a car without insurance, but you may not be able to drive it home. Here’s how to buy a car with no insurance.
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What is Full Coverage Car Insurance?Learn what full coverage car insurance is, how much it costs, and whether you need to purchase it.
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Car Insurance Policy NumberA car insurance policy number ties your coverage to an insurer. Here’s what it means, what it’s used for, and how to find it.
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What is MAIF Insurance?The Maryland Auto Insurance Fund aims to provide high-risk drivers with auto insurance. Find out more about MAIF in this article.
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Car Insurance for Driving in MexicoWhat you need to know about car insurance to drive in Mexico. Read about the laws and costs for Mexican car insurance.
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Car Insurance Coverage Basics: Explanations and DefinitionsLearning about auto insurance basics can help you choose the right car insurance coverage for you and your family.
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Personal Injury Protection (PIP) in New JerseyPersonal Injury Protection (PIP) is mandatory according to New Jersey law. Find out more about “no-fault insurance” in this article.
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Is Auto Insurance Tax Deductible?When you’re filing taxes, it’s natural to try to deduct as many expenses as possible. Does car insurance qualify?
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What to Do If You're Denied Car InsuranceAlmost all states require you have car insurance before you hit the road. Here are some common reasons why you might be denied coverage.
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What is No-Fault Car Insurance and how does it work?Learn more about no-fault car insurance including which states have it, what it covers, and how it restricts the right to sue.
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What is Subrogation for Car Insurance Accident Claims?If you’ve been in a car accident, you may know all about subrogation. If you haven’t, here’s what you need to know about the subrogation process.
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Does My Car Insurance Cover Me in Canada and Mexico?Depending on where you live, Canada or Mexico could be closer than neighboring states. This proximity makes them ideal locations for a road trip, but do you need more car insurance before hitting the road?
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Car Insurance for SnowbirdsWhether migrating to a Florida beach or the Arizona desert, snowbirds need to comply with insurance laws in the state where they’re spending the winter.
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Why Minimum Liability Car Insurance is Not EnoughYour state's legal liability car insurance minimums aren't likely to offer you, your loved ones, or the other drivers on the road much protection.
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Car Insurance LimitsCar insurance coverage limits aren’t a fun topic to read about. But you need to understand them if you want to know whether you’re properly insured.