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

Police officer roadside breathalyzer test

Cheap SR-22 Insurance: What Is It? How Do You Get It?

Drivers caught engaging in risky behavior will be required to have an SR-22 form. It can be expensive, but here's how to find the cheapest option.

collector cars

How and Where to Get the Best Classic Car Insurance

Antique and collector vehicles need special auto insurance. Here’s why, plus the best classic car insurance companies.

gap auto insurance coverage

What Is Gap Insurance and Do You Need It?

Gap insurance can cover your auto loan if your car is stolen or totaled. Here's what you need to know about gap insurance.

odometer

Is Pay-Per-Mile Car Insurance Worth it?

Pay-per-mile car insurance is a policy that can help you save money if you don’t drive much.

Man with arm injury

Personal Injury Protection (Pip) in New Jersey: How Does It Work?

New Jersey PIP is no-fault insurance that covers medical expenses and lost wages if you’re injured in a car accident.

subrogation for car accident claims

What is Subrogation for Car Insurance Accident Claims?

In this article, we explain what subrogation means, how subrogation works, how long subrogation takes and more.

car accident and tow truck

Borrowed Car in Accident: Whose Insurance Pays?

What happens if someone borrows your car and gets into an accident? The short answer is your car insurance pays.

Can You Get Car Insurance With a Permit?

You can get insurance with a learner’s permit. But you may not need a policy if you live with someone who’s insured.

Couple discusses taxes

Is Auto Insurance Tax Deductible?

You can write off your car insurance premium and deductible in certain situations. Here’s when and how you can do it.

Driver with rideshare insurance coverage

Rideshare Insurance: A Complete Guide for Drivers (2021)

Do you drive for Uber or Lyft? Here's what you absolutely need to know about the recommended rideshare insurance.

Man signing car insurance policy

Key Car Insurance Terms You Need to Know

If you want to understand car insurance quotes and pay the lowest rates for auto coverage, get to know these words.

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.

Accident with woman on the phone

How Much Time Do You Have to Make a Claim After a Car Accident?

The time limit to file a claim depends on your insurer and the state you live in. The quicker you file it, the better.

Whose Insurance Do I Call After My Car Is Hit?

Your car insurance company is your go-to after someone hits your vehicle. We can help you understand the process.

car, clipboard, magnifying glass

How to Get Low-Income Car Insurance

If you’re looking for low income car insurance, government programs, discounts and less coverage can help drive your car insurance premiums down.

upset man after car crash

Can Car Insurance Companies Deny Coverage?

A car insurance company can deny you coverage for getting into accidents, having a DUI on your record and more. Car insurance companies can also cancel or not renew your policy for similar reasons.

Broken car on the side of the road

What Is Mechanical Breakdown Insurance (MBI) and What Does it Cover?

Mechanical breakdown insurance covers mechanical failures unrelated to a car accident or wear and tear.

Keys and card on paperwork

What Is Temporary Car Insurance and Can I Get it?

Can you buy temporary car insurance? No, but if you need to drive for only a short period of time, there are many other ways to find coverage for your specific situation.

Can You Get Car Insurance Without a License?

You can get car insurance without a driver’s license, but finding an insurer that will sell it to you could be tough.

bad credit

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.

Woman in car pulled over

What Happens if You’re in a Car Accident with No Insurance?

Getting into a car crash without auto insurance can lead to financial and legal problems. This article breaks down the consequences.

What Does Full Coverage Car Insurance Do?

Full-coverage auto insurance helps cover your own damages after an accident, unlike minimum insurance.

The Different Types of Car Insurance

There are many types of car insurance. Some are required, while others are optional. Learn how they work and if you need them.

buying car insurance for first time

Best Car Insurance for First-Time Buyers

Find out how to get car insurance for the first time and how to save money on first-time car insurance, too.

person with empty pocket

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.

Basic Car Insurance: How it Works and What it Covers

A basic car insurance policy comes with liability coverage and satisfies minimum legal insurance requirements.

Driver in car

How to Get Very Cheap Car Insurance with No Deposit

You won’t get cheap car insurance with no deposit from a reputable company. But you can get it with a low down payment.

Happy driver in new car

Same Day Car Insurance

Need car insurance ASAP? Like, today? Get same-day coverage from most insurance companies by following this advice.

car accident

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.

What and Where Is My Car Insurance Policy Number?

Your car insurance policy number is your unique link to your car insurance policy. It's on your insurance card.

How Does Car Insurance Work?

Most states require drivers to carry auto insurance. A policy has a lot of parts that we can help you understand.

What Is Collision Car Insurance? Do I Need It?

Collision insurance covers damage if you hit a car or stationary object. Learn here if you need it.

How Proof of Auto Insurance Works

Most states require drivers to have proof of auto insurance with them. Do you know what you need to carry?

Difference Between Liability and Full Coverage Car Insurance

Liability and full coverage offer two different types of protection. What's the difference, and which one do you need?

sports car under palm tree

Car Insurance for Snowbirds

Whether 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.

driver with non-owner car insurance

No Car, But Still Drive? Get Non-Owner Car Insurance

You can still buy car insurance without a car. Here’s what non-owner auto insurance covers and where to buy it.

Comprehensive Car Insurance 101

Comprehensive auto insurance helps cover unexpected damages that aren’t caused by a car crash.

Panel holding up score numbers

What Is an Auto Insurance Score?

To get your best car insurance rate, you need a good insurance score. Here’s what that means and how to raise your score.

How Does A Car Insurance Deductible Work?

Your deductible is how much you must pay out of pocket before your auto insurance pays for damages, but not all claims require a deductible.

How to Cancel a Car Insurance Policy

For one reason or another, you may need to cancel your auto insurance policy. Learn how to do it without fees or a coverage lapse.

Can You Drive Without Insurance?

Driving without car insurance is dangerous at best and illegal at worst. Learn here what the perils and consequences may be.

Car owner observing damage

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.

Bare Minimum Car Insurance Coverage Requirements by State

Many states require a minimum amount of liability coverage. What’s your state’s limit, and is it enough for you?

Person points at car and insurance

Negotiating the Value of Your Car with an Insurance Company After an Accident

Don’t like the settlement you get after a car accident? Here's how to negotiate a better payout with your insurance company.

What Does Car Insurance Cover?

Auto insurance coverage depends on your specific policy, and can help you recover physically and financially after an accident.

Man looks at papers in car

Do You Need Insurance to Register a Car?

Depending on what state you live in, you’ll likely need auto insurance to register your car.

Car Insurance and Hail Damage Coverage

Can you file a car insurance claim for hail damage? That depends on what coverage you have and if it’s worth your while.

Car being broken into

Does Car Insurance Cover A Stolen Vehicle?

Basic auto insurance doesn’t cover car theft. Do you have the right auto insurance coverage if your car gets stolen?

Is Your Child Covered Under Your Auto Insurance?

If your child drives, they need auto insurance. Does your policy cover them, and is that even the best option?

How Much Car Insurance Do I Need?

Most people who own and drive a vehicle need at least some car insurance. Here’s when you need it and how much you need.

Man searching through documents

What is a Car Insurance Declaration Page?

The declaration page tells you everything you need to know about an insurance policy.

Do I Have to Have Car Insurance?

Most states and lenders require car insurance. Here’s what you need to know about when you have to have car insurance and why.

What is No-Fault Insurance and How Does it Work?

In no-fault states, drivers are compensated by their own insurance companies for injuries after accidents, no matter who caused the crash.

Cars parked in front of garage

Stacked vs. Unstacked Car Insurance

What is stacked insurance? What is unstacked insurance? Here are the answers – plus how they differ and which is better.

insurance agent pointing at policy limits

Car Insurance Limits

Car 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.

Father helping teen driver

Adding a Driver to Your Car Insurance

Here’s all you should know about adding a driver to your insurance policy – how you add them, how much it costs, and more.

totaled car on side of road

How Does Auto Accident Forgiveness Work?

Accident forgiveness helps keep your rates low after a car accident. Learn here if you qualify and if it's worth it.

Do I Need to Get Rental Car Insurance?

If you don't have your own car insurance policy or a credit card, you may need to get rental car insurance.

personal injuries protection claim paper

What Does Personal Injury Protection (PIP) Cover?

If you're injured in a car accident, PIP can help take care of immediate medical expenses and other costs that arise.

Health insurance form pen and money

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.

Woman handing check

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.

Ambulance rushing on highway

Does Insurance Cover Ambulance Rides?

Ambulance rides are expensive. Insurance often covers them, but not always—and not always fully.

Man handling documents

What is an Insurance Underwriter?

Insurance underwriters decide how much you pay for coverage, how much coverage you get for that price, and more.

Nashville skyline

SR-22 Insurance in Tennessee

You 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.

umbrella and car

The 10 Largest Car Insurance Companies

Find out which car insurance companies are the largest in the market (and why it matters).

car key and beer

SR-22 Insurance in Ohio

You may need SR-22 insurance in Ohio if the state suspends your license. Here’s what it costs and where you can get it.

Contract with magnifying glass

What Is an Insurance Binder

An insurance binder offers temporary proof of insurance. Find out more about insurance binders in this article.

car on scale

What to Do If Your Car Insurance Is Canceled for Nonpayment

Your car insurance company can cancel your policy if you miss a payment. Find out what to do in case of a cancellation.

claims file

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.

umbrella insurance policy

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.

car with auto badge

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.

Houston skyline

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.

Woman handing rental car keys

Reimbursement for a Rental Car Through an Insurance Claim

Depending on who was at fault, there are several possibilities for who pays for a rental car after an accident.

Hurt driver showing discomfort

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.

Third party insurance documents

What is Third-Party Car Insurance?

Learn about what third-party liability insurance covers, like bodily injury and property damage.

cars in highway traffic with uninsured drivers

Uninsured and Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage protects you if another driver hits you and doesn't have enough or any insurance.

Car driving away from accident

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.

Family moving to new state

Car Insurance and Moving to a New State

You 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.

Saleswoman handing out keys

Buying a Car Without Insurance

You 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.

Annapolis, Maryland

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.

Cars waiting at border

Car Insurance for Driving in Mexico

What you need to know about car insurance to drive in Mexico. Read about the laws and costs for Mexican car insurance.

photo of Rocky Mountains in Alberta  Canada

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?

car accident and tow truck

Why Minimum Liability Car Insurance is Not Enough

Your 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.