Popular Questions

How much is the average car insurance?

With so many variables associated with insuring a car, establishing an 'average' is difficult. With that, insuring a vehicle in an urban area is more expensive than coverage in a rural area, securing total coverage is more expensive than obtaining only liability, and your driving record will factor significantly into your rates. Most studies suggest an across-the-country average of $800 per year, but insuring your 16-year old might cost four times that, while obtaining only liability on your 16-year old minivan might be 1/4th that.
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What does travel auto insurance cover?

Few things complicate travel as much as a car accident or hospitalization. And if involved in a car accident on a vacation, you or your passengers might suffer both. Insurance is important wherever you and your vehicle might be, but it's exceptionally important when traveling. When comparing insurance providers, you need to consider three aspects of your coverage: Personal Liability, the Collison Damage Waiver and Supplemental Coverage. Personal Liability coverage pays the bills if you are at fault, the Collision Damage Waiver will repair or replace your vehicle, and Supplemental Coverage is just that - a means of covering those unforeseen expenses that are an inevitable product of an unforeseen accident. It's why they're called accidents.
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What can I do to lower my auto insurance costs?

If you park an expensive vehicle on the street in a congested, urban area you are probably paying a great deal for your auto insurance. Conversely, if you drive a less expensive, older vehicle in the suburbs and garage that vehicle every evening, you'll probably pay significantly less. However, if you're staying where you are and driving what you drive, you can still reduce costs of insurance with the addition of an anti-theft menu of modifications to your car, maintaining a clean driving record while opting for defensive driving, and improving both your driving habits and driving routine.

Am I covered by auto insurance if I drive someone else's vehicle?

Generally, coverage while behind the wheel goes with the vehicle you're in - and not who's in the vehicle. If, however, the vehicle you're driving is not insured, or the coverage does not match those costs associated with the accident, your policy's coverage will kick in to close that gap. For specific answers to the limits of your coverage, regardless of what you're driving, it's best to consult your insurance agent.

If I rent a car, am I covered by auto insurance?

While driving a rental car or truck your own insurance coverage may or may not cover you, your passengers and vehicle. In that this coveage will vary state by state, it's best to take the question to your insurance company for a complete and accurate evaluation of your current coverage, as well as the costs associated with any supplemental coverage you might need or wish to secure. It's far better to pay the relatively small fees prior to a rental than the thousands of dollars in out-of-pocket costs if your own policy were to fall short.

Insurance News

412 Articles
Featured
Cars most likely to be involved in accidents

Accident-prone drivers seem attracted to these vehicles

Featured
Most expensive cars to insure in the U.S.

High rates on these cars, crossovers and SUVs may price them out of reach for some buyers

Official
Report
Halloween is the deadliest holiday for U.S. pedestrians, no matter which day it falls

If you decided to move your celebrations to a weekday, you may want to reconsider

Featured
Least Expensive Cars to Insure in America

Low rates on these cars, crossovers, SUVs and vans makes them more affordable for buyers

Study
Official
Vehicle thefts spiked last year — here's where and why

The West had highest rates, while Puerto Rico and Florida saw the biggest declines

Official
Rivian hops into the insurance game to cover its upcoming R1T and R1S

You'll get discounts for using its hands-free driver assistance system

ETC
Prepare for post-pandemic auto insurance hikes

Insurance is cheap right now; it won't stay that way

Official
2021 Nissan Sentra headlight fix earns it an IIHS Top Safety Pick

Nissan quickly improved the headlights to put the sedan on the list

Report
Official
Report
Allstate is likely to offer another round of coronavirus discounts

More details from the insurance giant will come at a later date

Report
Official
Consumer Federation: We're driving far less, insurance refunds should be much bigger

Refunds should be 40% or more, group says, and here's what you should do

Interstates and city streets are empty and cars are quarantined in their owners' garages, so consumer advocates argue that it only makes sense for auto insurance rates to reflect that. In the states of Washington and New York, the number of traffic crashes reported to state police fell about 30% in March compared with a year ago, as the states were on lockdown for part of the month to stop the spread of coronavirus. Other states are reporting similar declines in traffic and crashes, and consum

Followup
State Farm, Nationwide, USAA latest to offer auto insurance relief in coronavirus lockdown

It has been a busy week in insurance: Here's where the big companies stand

Official
Official
Official
Allstate to return $600 million as coronavirus limits driving

Others give back, too, as 'stay at home' orders reduce insurers' risks

A smaller U.S. auto insurer, American Family Insurance in Madison, Wisconsin, also said on Monday that it would return a total of $200 million to auto insurance customers beginning in mid-April. “There are very few silver linings out there, but auto insurance companies are definitely one of them,” said Piper Sandler analyst Paul Newsome about coronavirus. Fewer accidents generally lead to a lower claim frequency and Newsome expects insurance companies with large auto portfolios, such as Progre

Featured
My Uber driver had an accident — What should I do now?

Everyone OK? Here's what else you need to know

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