Popular Questions

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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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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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.
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.
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

453 Articles
Car Buying
Should you buy a used car? We weigh the benefits

Some say new cars are for suckers.

Straight purchase price doesn't tell the entire story.

Report
Lane-departure warnings really are saving lives, says IIHS

Fatalities are reduced by 86 percent.

U.S. drivers like to turn the systems off, though.

Study
AAA names cheapest vehicles to own and operate, and the costliest

EVs would rank better if not for their high depreciation

Large vehicles are rather pricey.

ETC
Official
Report
AAA will boost Tesla’s insurance rates by about 30%

Tesla calls data AAA uses for price hike 'flawed.'

AAA cites data saying Tesla Model S and Model X drivers make more claims, and the repair costs are higher, than other 'large luxury' vehicles.

Featured
These are the cars most likely to be damaged in an accident

Car accidents may be an inevitable part of our daily lives, but some cars and trucks are more likely to be involved in crashes than others.

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Car insurance costs more in minority neighborhoods without higher risk

California, Texas, Illinois and Missouri were examined.

Report
Wal-Mart is going to start selling cars

Sort of.

Now they really have everything at Wal-Mart.

Unluckiest man alive has two vehicles crushed by trees in one day

In an incident that must make him the unluckiest man alive, a California man had two cars mangled by two trees during a storm in Sacramento last week.

How Bad Credit Affects Your Car Insurance Rate

Having bad credit makes it difficult to get a car loan or lease a car - it can also make it more difficult to get car insurance.

How to Save on Car Insurance With a Defensive Driving Discount

Taking a defensive driving class can save you money on your car insurance rates.

How the Demerit Point System Affects Car Insurance Rates

The point system in traffic parlance refers to the assignment of "points" or values to each infraction you incur.

How to Tell if You Need Car Gap Insurance

In the context of insurance, gap is an acronym which stands for Guaranteed Auto Protection or Guaranteed Asset Protection (depending on who’s answering), and typically comes into play when insuring a new car.

How to Know if Your State Shares Speeding Ticket Information

Driving in a state that’s not your home state may give you a false sense of security when it comes to speeding tickets and traffic fines.

All About Full Coverage Car Insurance

Full coverage car insurance can be a misleading term when you’re searching for car insurance quotes.

How to Compare Car Insurance Companies

Comparing car insurance companies is important if you want to get the best deal to meet your insurance needs.

The States With the Highest Number of Deer Accidents

It is not uncommon for car owners to hit deer while driving.

How to Bundle Your Car Insurance and Homeowners Insurance

Buying two or more insurance policies - such as your homeowners and car insurance - through the same insurance company is known as “bundling.

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