Frequently Asked Auto Insurance Questions

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  • How Do Auto Insurance Deductibles Work?

    • A deductible on a car insurance policy is a pre-determined amount of money that the policyholders must pay before their insurer will cover a claim. Deductibles generally only apply to comprehensive and collision coverage (if you purchased them). Comp/collision coverage apply to a number of ...
  • Can Undocumented Immigrants Get Auto Insurance?

    • Whether undocumented immigrants can get auto insurance depends on which state they live in. Location matters for undocumented immigrants because state law determines whether they're legally allowed to get a driver's license. If they live in a state that lets them get licenses ...
  • Insurance Agents vs. Insurance Brokers: What's the Difference?

    • For drivers looking to buy a new auto insurance policy or switch companies, their friends might tell them to go talk to a particular insurance agent or a particular insurance broker. Agents and a brokers both act as middlemen between the customer and an insurance company. They basically help you buy a policy that fits your needs. But ...
  • What Is a Phantom Vehicle?

    • Let's toss out all notions involving a spirit-possessed vehicle. This FAQ won't be about that love bug Herbie, Hasseloff's KITT, the killer "Christine," or any Autobots and Decepticons. Rather, a "phantom vehicle" is traffic-safety legalese that appears in uninsured/underinsured motorist (UM/UIM) ...
  • Will Obamacare Make PIP Car Insurance Obsolete?

    • In September of 2012, a Tampa man fed up with high auto insurance rates decided he had enough. On the petition website Change.org, Joe Gaston wrote he was tired of paying more than $1,200 for Personal Injury Protection (PIP) insurance he hadn't used and doesn't need. He argued that ...
  • Do Cars with Better Safety Ratings Get Lower Insurance Rates?

    • When shopping for a new or used car, many consumers look at the safety of the vehicle. And one of the best ways to tell if a car is safe is how it scores on crash tests conducted by organizations like the Insurance Institute for Highway Safety (IIHS) and its affiliate organization, the Highway Loss Data Institute (HLDI). When cars ...
  • Making Changes to Your Auto Insurance Policy: What to Know

    • auto insurance policyWhether you're going on a long trip and you need to upgrade your roadside coverage or you've been laid off and need to find a way to cut costs, changes to your auto insurance policy can have a big impact on your financial future. With the help of Insurance Information Network of ...
  • How Can I Enroll in a Usage-Based Auto Insurance Discount Program?

    • Man yelling from carWhether you can enroll in a usage-based insurance discount program will depend on what state you live in and who you want as your insurer. This FAQ will give you some background on programs from major insurers and which states they're available in. Usage-based discounts started out by ...
  • Does Auto Insurance Cover Road Rage?

    • Man yelling from carIt's summertime. The temperature is up. So is congestion. An easy time to get hot under the collar — no doubt — but think again before you rage on the road. According to the Insurance Information Institute (III), road rage incidents are "listed as an exemption ...
  • Can I Get Insurance on Someone Else's Car?

    • Woman inserting key into car doorYou may want to purchase auto insurance for someone else's car for a few reasons. Maybe you just got your driver's license and want to drive around in mom or dad's old car; maybe you want to drive your rommate's car; or maybe you have a good friend who is ...
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Frequent questions about auto insurance who, what, when, where, why, and, how to: