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

459 Articles
Official
IIHS develops tougher side-impact test — and will livestream a crash today

Current side test doesn't reflect impacts between modern vehicles

Official
2020 Hyundai Palisade earns IIHS TSP+ award, doing what the Telluride couldn't

Better headlights pushed the Palisade over top of the Telluride

Official
Tesla offers car insurance in California with plans to expand nationwide

It's another source of revenue, but not without risks

Tesla owners in California can now buy insurance from the electric car company in what may be the first step toward the unconventional automaker providing coverage for a fleet of driverless taxis. The expansion announced Wednesday comes four months after Tesla CEO Elon Musk told analysts the company would branch into insuring its own cars for people who buy or lease them. Musk believes Tesla has learned so much about its cars that it will be able to offer rates 20% to 30% below those offered b

Featured
Insurance answers for gig drivers

Here's what Uber and Lyft provide, and what insurance you'll need to get on your own

Featured
Drivers of these cars are most likely to have speeding tickets

But remember, it's the driver that gets the ticket, not the car

These are the cars and trucks that are most likely to be owned by drivers with at least one speeding ticket on their record.

Report
Don't expect your car's safety tech to reduce insurance costs

Insufficient data related to the various systems' performance and availability is the cause

Breaking
Wells Fargo customers to get $386 million over unwanted auto insurance

275,000 loans became delinquent, 25,000 cars were illegally repossessed

275,000 loans became delinquent, 25,000 cars were illegally repossessed.

Ownership
Turo and Metromile partner on pay-per-mile insurance policy

The new program means Turo hosts pay only for the miles they drive

The new program means Turo hosts pay only for the miles they drive.

Report
Aluminum-bodied Ford F-150 has lower insurance losses than other pickups

It also has similar losses to its steel predecessor

It also has similar losses to its steel predecessor.

Featured
These are the most expensive cars to insure of 2019

It's no surprise that luxury and high-performance cars dominate the list

Car insurance rates vary widely from vehicle to vehicle. Here are the top 10 most expensive cars to insure in America for 2019.

Read This
Vehicle subscription services got you curious? Here's our complete guide

We give you our take on these flat-fee services

We give you our take on these flat-fee services.

Followup
Wells Fargo fights to exclude auto customers from plan to repay them

It forced hundreds of thousands into auto insurance they didn't need

It forced hundreds of thousands into auto insurance they didn't need.

Featured Video
5 great dashcams | Autoblog's favorites

These car cams are all the rage nowadays

These car cams are all the rage nowadays.

Official
Think your driving merits cheaper premiums? Root Insurance will let you prove it

Startup raises $100 million it'll use to expand nationwide

Startup raises $100 million it'll use to expand nationwide.

ETC
‘I am now a woman’: Man changes birth certificate to save on car insurance

Making the ‘switch’ lowered his premium by $1,100

Making the 'switch' lowered his premium by $1,100.

U.S. auto tariffs could raise insurance rates, drive up auto thefts

Feds will hear testimony today about some little-discussed consequences

Feds will hear testimony today about some little-discussed consequences.

Car Buying
How to make choosing the safest car for your family easy

We show you how to use safety ratings and features to choose a car

It's true that vehicles get a little bit safer, cumulatively, with every passing year. Each time a car, truck, SUV, or van is redesigned, the automaker can optimize it to ace the safety ratings and incorporate new features that car buyers value to help protect their families and others on the road, like pedestrians and bicyclists. But new cars are subject to more comprehensive safety testing than ever, and there's a gradient of available safety out there.

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Should insurers dictate autonomous driving behavior?

Oxbotica shares self-driving data with insurers to assess, control risk

Who is responsible when an autonomous car crashes? That's a difficult question to answer. Is it the owner? The company who built the car or its autonomous hardware? The people who programmed the car to make decisions? It's a complex issue, and one that gives legislators — and the general public — pause.

Official
Wells Fargo officially agrees to $1B penalty: What's in the settlement

500,000 customers were forced to buy car insurance they didn't need

Wells Fargo & Co will pay $1 billion to settle with U.S. regulators who say the bank wrongly layered insurance on hundreds of thousands of drivers and routinely hit homebuyers with excessive fees, officials said on Friday.

Wells Fargo reportedly will pay $1 billion fine for loan abuses

It's facing sanctions from two different federal regulators

Wells Fargo & Co is close to settling a record fine of $1 billion imposed by two U.S. regulators for its risk management business, a source familiar with the matter told Reuters on Thursday.

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