Car Insurance Question & Answers
Compare Quotes
Can I get canceled for two accidents in three years?
Yes, it’s possible that you get canceled if you have two accidents or more accidents within a three year period. However, if you are… Read more>
Yes, it’s possible that you get canceled if you have two accidents or more accidents within a three year period. However, if you are… Read more>
What is the best car for a male teenager?
We assembled a list of top cars for teens. We compiled our list using various resources. We started by looking at safety information from... Read more>
We assembled a list of top cars for teens. We compiled our list using various resources. We started by looking at safety information from... Read more>
Does my auto insurer need to know about my divorce?
Yes, if you and your spouse have divorced you need to inform your car insurance company about this change in marital status... Read more>
Yes, if you and your spouse have divorced you need to inform your car insurance company about this change in marital status... Read more>
Is it cheaper to have all cars on one policy?
Normally, it is cheaper to have all cars in a household listed on one policy, and it doesn’t matter if the husband or wife is listed... Read more>
Normally, it is cheaper to have all cars in a household listed on one policy, and it doesn’t matter if the husband or wife is listed... Read more>
What does a liability policy cost for a 17-year-old girl in Texas?
The cost of a liability-only car insurance policy for a teenager in Texas will vary depending upon various factors… Read more>
The cost of a liability-only car insurance policy for a teenager in Texas will vary depending upon various factors… Read more>
Save Money
Can you get a discount for living in a gated community?
It’s possible that living in a gated community and having secured parking at work can give you a discount on your car insurance policy, though... Read more>
It’s possible that living in a gated community and having secured parking at work can give you a discount on your car insurance policy, though... Read more>
Is he insuring his car or his stepdaughter?
While it may seem unfair that both parents have to place insurance on a child, it’s not an unusual request from insurers when parents are... Read more>
While it may seem unfair that both parents have to place insurance on a child, it’s not an unusual request from insurers when parents are... Read more>
Can my teenager be listed as an occasional driver?
In general, auto insurance providers will look at the amount of time that your son drives a car to determine if he is a full-time or... Read more>
In general, auto insurance providers will look at the amount of time that your son drives a car to determine if he is a full-time or... Read more>
If my child moves out and takes my car, can I exclude her?
You don’t want to exclude your daughter from your policy. If you did, then while she is driving your car she wouldn’t have any auto... Read more>
You don’t want to exclude your daughter from your policy. If you did, then while she is driving your car she wouldn’t have any auto... Read more>
Does ticket affect my rates if driver not on my policy?
If your daughter isn’t on your auto insurance policy, then her receiving a traffic ticket shouldn’t affect your car insurance rates… Read more>
If your daughter isn’t on your auto insurance policy, then her receiving a traffic ticket shouldn’t affect your car insurance rates… Read more>
Insurance Companies
Will undisclosed rebuilt title affect my full coverage?
Most states have disclosure laws, so the used car lot should have informed you that the car had a rebuilt title before… Read more>
Most states have disclosure laws, so the used car lot should have informed you that the car had a rebuilt title before… Read more>
Can my health insurer grab my auto settlement?
In most states, car insurance pays primary to health insurance for injuries sustained in an automobile accident. If the claims were... Read more>
In most states, car insurance pays primary to health insurance for injuries sustained in an automobile accident. If the claims were... Read more>
Can I be forced to add boyfriend to my policy?
Though it may seem odd to you, it’s not unusual for a car insurance company to require someone to be placed on your car insurance policy if the... Read more>
Though it may seem odd to you, it’s not unusual for a car insurance company to require someone to be placed on your car insurance policy if the... Read more>
How do car insurance companies define living at home?
The definition of "living at home" varies from one car insurance company to another, so you really need to speak to your current insurer... Read more>
The definition of "living at home" varies from one car insurance company to another, so you really need to speak to your current insurer... Read more>
Do all car insurance companies ask for your social security number?
Not all car insurance companies ask you for your Social Security number (SSN) as part of the quoting or application process, but most will. Read more>
Not all car insurance companies ask you for your Social Security number (SSN) as part of the quoting or application process, but most will. Read more>
Your Car
How can I obtain temporary auto coverage?
Temporary insurance is typically hard to obtain. Most car insurance companies only offer six or twelve months’ worth of coverage, not coverage for... Read more>
Temporary insurance is typically hard to obtain. Most car insurance companies only offer six or twelve months’ worth of coverage, not coverage for... Read more>
Does loaning car to relative put owner's assets at risk?
As the owners of the car, the mom and stepfather could potentially be held responsible for damages and injuries that are in excess of... Read more>
As the owners of the car, the mom and stepfather could potentially be held responsible for damages and injuries that are in excess of... Read more>
Is it cheaper to insure a Honda Civic sedan than a coupe?
More often than not, car insurance providers will find one or more of the risk factors associated with a coupe to push the cost of its coverage... Read more>
More often than not, car insurance providers will find one or more of the risk factors associated with a coupe to push the cost of its coverage... Read more>
My car is totaled. What happens to the lien?
If everything goes perfectly, then the lien on your vehicle’s title will be lifted when your lien holder is paid off.. Read more>
If everything goes perfectly, then the lien on your vehicle’s title will be lifted when your lien holder is paid off.. Read more>
Is a car repairable after the Jaws of Life is used on it?
Yes, it’s possible in certain situations for a car to be repaired after the Jaws of Life are used on it. However, normally the Jaws of Life are... Read more>
Yes, it’s possible in certain situations for a car to be repaired after the Jaws of Life are used on it. However, normally the Jaws of Life are... Read more>
Your State
Why insure a car I’m storing in my barn?
Pennsylvania law requires you to keep at least state-minimum car insurance coverage on any vehicle that you currently have registered. If you... Read more>
Pennsylvania law requires you to keep at least state-minimum car insurance coverage on any vehicle that you currently have registered. If you... Read more>
A lawn mower crashed into my car; why isn't that covered?
Most people who own riding mowers do not carry insurance because it is not required by law. Riding lawn mowers are not street legal vehicles... Read more>
Most people who own riding mowers do not carry insurance because it is not required by law. Riding lawn mowers are not street legal vehicles... Read more>
If uninsured driver gets hit, can he file a claim?
Yes, depending upon state laws it’s possible that you won’t be able to file a car insurance claim or sue for your... Read more>
Yes, depending upon state laws it’s possible that you won’t be able to file a car insurance claim or sue for your... Read more>
What is comparative and contributory negligence?
When negligence is shared by drivers involved in an auto accident, it comes down to states negligence laws... Read more>
When negligence is shared by drivers involved in an auto accident, it comes down to states negligence laws... Read more>
Will Wyoming speeding ticket affect my Colorado license?
Due to an interstate agreement, most states’ Departments of Motor Vehicles (DMV) are notified when a driver licensed in their state has been... Read more>
Due to an interstate agreement, most states’ Departments of Motor Vehicles (DMV) are notified when a driver licensed in their state has been... Read more>
Your License
Will suspension from unpaid parking tickets affect my rates?
It’s indeed likely that the suspension of your license, for whatever the reason, will end up affecting your auto insurance premiums... Read more>
It’s indeed likely that the suspension of your license, for whatever the reason, will end up affecting your auto insurance premiums... Read more>
What happens if I don't have enough insurance?
Your son will be expected to pay for damages that exceed his liability limits. And, yes, in most states his license... Read more>
Your son will be expected to pay for damages that exceed his liability limits. And, yes, in most states his license... Read more>
How do I obtain an FR-44?
The state is the one that requires a FR-44 certificate of financial responsibility; however, to obtain the actual form... Read more>
The state is the one that requires a FR-44 certificate of financial responsibility; however, to obtain the actual form... Read more>
Am I insured under a hardship driver's license?
Normally your car insurance policy will cover you even if you drive somewhere that is not allowed by your hardship license, occasional license or... Read more>
Normally your car insurance policy will cover you even if you drive somewhere that is not allowed by your hardship license, occasional license or... Read more>
Do you need an FR-44 if you don't reside in Virginia?
Even if you don’t have a desire to reinstate your Virginia license, it would behoove you to do so or else you cannot... Read more>
Even if you don’t have a desire to reinstate your Virginia license, it would behoove you to do so or else you cannot... Read more>
Your Policy
What does an SR-22 cover?
The actual SR-22 is just a form that your car insurance provider files with the state, on your behalf, after you have been mandated... Read more>
The actual SR-22 is just a form that your car insurance provider files with the state, on your behalf, after you have been mandated... Read more>
Is money stolen out of my car covered?
Car insurance does not cover money stolen from your vehicle. Liability coverages, what the state requires you to have, only cover injuries and... Read more>
Car insurance does not cover money stolen from your vehicle. Liability coverages, what the state requires you to have, only cover injuries and... Read more>
Is carjacking covered by my policy?
If you have the right coverages, your car insurance company will cover the carjacking of your vehicle. In general, carjacking and carnapping... Read more>
If you have the right coverages, your car insurance company will cover the carjacking of your vehicle. In general, carjacking and carnapping... Read more>
Can I use an old insurance policy on a new car?
If your old policy were truly canceled out, then you’d be unable to use it for your new car. To have coverage on your new car... Read more>
If your old policy were truly canceled out, then you’d be unable to use it for your new car. To have coverage on your new car... Read more>
Is failing to list your husband on your policy fraud?
Purposely misrepresenting something to your car insurance company is found, in most states, to be a form of insurance fraud, which... Read more>
Purposely misrepresenting something to your car insurance company is found, in most states, to be a form of insurance fraud, which... Read more>
Insurance Claims
Are items that fall out of my pickup covered?
Your personal belongings that you place in the bed of your pickup truck are not normally covered by your car insurance policy... Read more>
Your personal belongings that you place in the bed of your pickup truck are not normally covered by your car insurance policy... Read more>
Unlicensed teen crashes car; is family covered?
Chances are that your daughter will be covered since you did have her listed on your policy already as a driver. When a household member is listed... Read more>
Chances are that your daughter will be covered since you did have her listed on your policy already as a driver. When a household member is listed... Read more>
Am I covered if my trailer hits my car?
Since the trailer collided with the back of your van, any damage to your van would normally be covered by your van’s... Read more>
Since the trailer collided with the back of your van, any damage to your van would normally be covered by your van’s... Read more>
If you’re not at fault in an accident, will your rates go up?
Whether your car insurance rates will go up after a not at-fault accident really varies by insurance company and by state... Read more>
Whether your car insurance rates will go up after a not at-fault accident really varies by insurance company and by state... Read more>
What coverage do I claim under for hitting a utility pole?
If you hit a utility pole in a one-car accident, then the damage to your car would normally fall under you collision coverage because you... Read more>
If you hit a utility pole in a one-car accident, then the damage to your car would normally fall under you collision coverage because you... Read more>
Other
Your CPI data about average teen premiums is very interesting. How are you defining teen premiums, teen-only policies or family policies with teens?
The CarInsurance.com Premium Index (CPI) tracks car insurance trends, including the one you mentioned that shows the average annual premiums for teenagers. For this particular part of the CPI, we... Read more>
The CarInsurance.com Premium Index (CPI) tracks car insurance trends, including the one you mentioned that shows the average annual premiums for teenagers. For this particular part of the CPI, we... Read more>
How can I pay my insurance bill with two different cards?
Unfortunately, at this time CarInsurance.com cannot accept payments using two different cards. If you've purchase a car insurance policy through CarInsurance.com, then we will accept payment from... Read more>
Unfortunately, at this time CarInsurance.com cannot accept payments using two different cards. If you've purchase a car insurance policy through CarInsurance.com, then we will accept payment from... Read more>
Where do I go to e-sign for my insurance?
If you purchased a car insurance policy through an agent at our call center or on the Internet, with most companies you can choose to have your documents mailed to you or you can choose to log on... Read more>
If you purchased a car insurance policy through an agent at our call center or on the Internet, with most companies you can choose to have your documents mailed to you or you can choose to log on... Read more>
How do I change my address online?
To change your address with us online you will need to log onto your account. Once you log into your account, depending on your insurance company and their ability to help you change your... Read more>
To change your address with us online you will need to log onto your account. Once you log into your account, depending on your insurance company and their ability to help you change your... Read more>
Can I get insured online today?
Yes you can. CarInsurance.com a licensed independent insurance agency that represents leading insurance companies. Our online car insurance quote takes a few minutes and then we provide rates... Read more>
Yes you can. CarInsurance.com a licensed independent insurance agency that represents leading insurance companies. Our online car insurance quote takes a few minutes and then we provide rates... Read more>
