Car Insurance Question & Answers
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Will I pay less for car insurance if I am disabled?
Being disabled doesn’t get you any extra discounts with auto insurance companies, but driving less certainly may bring you cheaper car insurance... Read more>
Being disabled doesn’t get you any extra discounts with auto insurance companies, but driving less certainly may bring you cheaper car insurance... Read more>
I have a learners permit. Is it possible for me to get car insurance?
Yes, with certain car insurance companies it’s possible to get a policy with only a learner's permit. Typically, you will need a valid driver’s... Read more>
Yes, with certain car insurance companies it’s possible to get a policy with only a learner's permit. Typically, you will need a valid driver’s... Read more>
Does financing a car cause you to have higher car insurance rates?
Whether you financed your car with a bank loan or you bought it outright with cash shouldn’t make a difference in your car insurance rates since... Read more>
Whether you financed your car with a bank loan or you bought it outright with cash shouldn’t make a difference in your car insurance rates since... Read more>
I am not an American citizen. I have a one-year valid visa and valid international driving license. My question is, can I buy a car and insure it?
It's difficult to obtain car insurance without a U.S. driver's license. While some insurers will offer you a policy with a valid foreign license (never with just an international driver permit or... Read more>
It's difficult to obtain car insurance without a U.S. driver's license. While some insurers will offer you a policy with a valid foreign license (never with just an international driver permit or... Read more>
Do you have to pay Michigan's catastrophic claims fee on a motorcycle policy?
Yes, with a motorcycle insurance policy in Michigan, you will be charged a Michigan Catastrophic Claims Association (MCCA) assessment fee. Michigan is unique with its motor vehicle insurance... Read more>
Yes, with a motorcycle insurance policy in Michigan, you will be charged a Michigan Catastrophic Claims Association (MCCA) assessment fee. Michigan is unique with its motor vehicle insurance... Read more>
Save Money
Can I drop insurance from a car I’m selling?
If you had already sold the car to the person driving, then there may be steps you can take to keep your license from being suspended. If the car... Read more>
If you had already sold the car to the person driving, then there may be steps you can take to keep your license from being suspended. If the car... Read more>
Do all traffic tickets affect my rates?
Good news, not every single type of traffic ticket will affect your rates. Both minor offenses and major offenses that show up on your driving... Read more>
Good news, not every single type of traffic ticket will affect your rates. Both minor offenses and major offenses that show up on your driving... Read more>
Do I have to add my teen to my car insurance policy if he barely drives?
If your son is licensed, you need to add him to your car insurance policy as a driver. If you don’t, then it’s possible you’ll be paying out of your... Read more>
If your son is licensed, you need to add him to your car insurance policy as a driver. If you don’t, then it’s possible you’ll be paying out of your... Read more>
How do I obtain my CLUE Report?
C.L.U.E. is a registered trademark of LexisNexis Risk Solutions Inc. (who acquired it from ChoicePoint Asset Company in 2008). C.L.U.E. stands for... Read more>
C.L.U.E. is a registered trademark of LexisNexis Risk Solutions Inc. (who acquired it from ChoicePoint Asset Company in 2008). C.L.U.E. stands for... Read more>
Can your car insurance be raised just for having a teen in the house?
State laws and car insurance companies’ guidelines vary; however, just having a teenager in your household doesn’t normally raise your car insurance… Read more>
State laws and car insurance companies’ guidelines vary; however, just having a teenager in your household doesn’t normally raise your car insurance… Read more>
Insurance Companies
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>
Must I list on my car insurance policy people that rent rooms from me?
You should notify your car insurance company that you are renting out rooms in your house. Likely your auto insurance provider will then ask... Read more>
You should notify your car insurance company that you are renting out rooms in your house. Likely your auto insurance provider will then ask... Read more>
My daughter is going to college in August and will not be bringing her car; can her insurance be suspended for the school year?
Yes, your daughter should be able to take car insurance off of her car while she is away at school, as long as she follows state laws. In most states, if your daughter decides to take auto... Read more>
Yes, your daughter should be able to take car insurance off of her car while she is away at school, as long as she follows state laws. In most states, if your daughter decides to take auto... Read more>
Your Car
Will comprehensive cover my rims and body kit?
Your comprehensive coverage should cover both the damage to your car and the rims and tires stolen off your new Honda Fit. The damage was done... Read more>
Your comprehensive coverage should cover both the damage to your car and the rims and tires stolen off your new Honda Fit. The damage was done... Read more>
Must I carry full coverage if I make car payments to a private party?
It’s up to the private party that you bought the car from, and to whom you’re making car payments, if you must carry state liability coverages... Read more>
It’s up to the private party that you bought the car from, and to whom you’re making car payments, if you must carry state liability coverages... Read more>
Can a lienholder mandate your deductible amount?
Yes, it’s legal for a lienholder, such as a bank or finance company, to tell you what your physical damage deductible amount should be… Read more>
Yes, it’s legal for a lienholder, such as a bank or finance company, to tell you what your physical damage deductible amount should be… Read more>
What car insurance coverage is right for a newer car?
When you own a car in the free and clear, without any pesky lien holder telling you what coverages you have to carry, the type of car insurance you... Read more>
When you own a car in the free and clear, without any pesky lien holder telling you what coverages you have to carry, the type of car insurance you... Read more>
I was wondering, approximately how much more is a 2 door car to a 4 door car for insurance?
Two door vehicles do not always cost more than four door vehicles to insure. Each individual car insurance company has their own rating system and vehicle classifications so it will depend how the... Read more>
Two door vehicles do not always cost more than four door vehicles to insure. Each individual car insurance company has their own rating system and vehicle classifications so it will depend how the... Read more>
Your State
If I’m from out-of-state can Rhode Island require me to get a SR-22?
Yes, it’s true that even if you don’t live in Rhode Island they can place certain conditions on you if you want to drive in their state... Read more>
Yes, it’s true that even if you don’t live in Rhode Island they can place certain conditions on you if you want to drive in their state... Read more>
What does my state require for auto insurance?
Each state has its own auto insurance laws and requirements, so without knowing which state you reside in, I can’t tell you here exactly what your... Read more>
Each state has its own auto insurance laws and requirements, so without knowing which state you reside in, I can’t tell you here exactly what your... Read more>
How do I obtain a list of New York state insurance codes?
You can go to the website of the New York Department of Financial Services (DFS) for a comprehensive list of New York insurance codes... Read more>
You can go to the website of the New York Department of Financial Services (DFS) for a comprehensive list of New York insurance codes... Read more>
In South Carolina, is deductible waived for a second windshield claim?
Yes, since you live in South Carolina if your windshield were to be again cracked your comprehensive coverage would again pay for the glass to be... Read more>
Yes, since you live in South Carolina if your windshield were to be again cracked your comprehensive coverage would again pay for the glass to be... Read more>
Wisconsin: Nov 2011 changes to state required auto insurance coverages
Two years ago, Wisconsin finally made auto insurance required of all drivers (with Act 28) but with pretty high limits. Now new Wisconsin law, Act 14... Read more>
Two years ago, Wisconsin finally made auto insurance required of all drivers (with Act 28) but with pretty high limits. Now new Wisconsin law, Act 14... Read more>
Your License
Will your driving record show an accident if no police report?
State laws and the way in which accidents are recorded on a driving record vary, but normally if police don’t show up at the scene... Read more>
State laws and the way in which accidents are recorded on a driving record vary, but normally if police don’t show up at the scene... Read more>
Can you go to traffic school for a ticket for talking on a cell phone in California?
The California Department of Motor Vehicles notes that fine for violating the new cell phone laws will be $20 for a First offense and $50 for a second or subsequent conviction. There is also a... Read more>
The California Department of Motor Vehicles notes that fine for violating the new cell phone laws will be $20 for a First offense and $50 for a second or subsequent conviction. There is also a... Read more>
If I choose deferred adjudication for a speeding ticket are all charges dismissed?
It will depend upon your state's laws and how deferred adjudication or adjudication withheld as pleas are dealt with whether the traffic ticket would be ultimately dismissed. A basic definition of... Read more>
It will depend upon your state's laws and how deferred adjudication or adjudication withheld as pleas are dealt with whether the traffic ticket would be ultimately dismissed. A basic definition of... Read more>
If your license is suspended in one state can you not get one in another state?
No, normally you cannot move to another state and obtain a driver's license (DL) there while your license is still suspended in your previous state. All states check the National Drivers... Read more>
No, normally you cannot move to another state and obtain a driver's license (DL) there while your license is still suspended in your previous state. All states check the National Drivers... Read more>
Can I possess a drivers license for two different states at the same time?
State laws differ but in general you cannot possess two different state's driver's license at the same time. Normally you need to be licensed in the state that you are considered to have... Read more>
State laws differ but in general you cannot possess two different state's driver's license at the same time. Normally you need to be licensed in the state that you are considered to have... Read more>
Your Policy
Does a named driver exclusion continue at renewal?
No. Normally, when you list a person as a named driver exclusion on your car insurance policy that exclusion remains active until you request a... Read more>
No. Normally, when you list a person as a named driver exclusion on your car insurance policy that exclusion remains active until you request a... Read more>
Will policy pay towing and storage for recovered stolen vehicle?
It depends upon what coverages you have as part of your car insurance policy. If you have liability only, then it won’t pay for any towing or storage… Read more>
It depends upon what coverages you have as part of your car insurance policy. If you have liability only, then it won’t pay for any towing or storage… Read more>
Can you cancel your policy after an accident?
Even if your car is damaged or totaled in an accident, you would normally want to continue to keep your car insurance policy valid for a while, for a variety of reason. However, if your policy... Read more>
Even if your car is damaged or totaled in an accident, you would normally want to continue to keep your car insurance policy valid for a while, for a variety of reason. However, if your policy... Read more>
Does uninsured motorist property damage come with a deductible?
No. Uninsured motorist property damage deductible isn’t for when you’re the one at-fault in an auto accident. If you don’t have physical damage... Read more>
No. Uninsured motorist property damage deductible isn’t for when you’re the one at-fault in an auto accident. If you don’t have physical damage... Read more>
Is car gas leak covered by car insurance?
If the gasoline leak from your car is strictly a mechanical problem, then your car insurance would not pay for the gas leak or any mechanical issues... Read more>
If the gasoline leak from your car is strictly a mechanical problem, then your car insurance would not pay for the gas leak or any mechanical issues... Read more>
Insurance Claims
Can rust and previous damage be deducted from ACV settlement amount?
Yes, your car insurance company can deduct for rust and previous damage when determining the actual cash value (ACV) of your vehicle. Rust, scratches... Read more>
Yes, your car insurance company can deduct for rust and previous damage when determining the actual cash value (ACV) of your vehicle. Rust, scratches... Read more>
Does comprehensive cover stolen tools?
While comprehensive coverage is the portion of a car insurance policy which theft goes under, unfortunately, it's unlikely that it will cover your tools that were stolen... Read more>
While comprehensive coverage is the portion of a car insurance policy which theft goes under, unfortunately, it's unlikely that it will cover your tools that were stolen... Read more>
Can I be paid lost wages without being injured?
No. If you weren’t injured in the auto accident, then you can’t claim for lost wages. Unfortunately, the time you had to take off of work... Read more>
No. If you weren’t injured in the auto accident, then you can’t claim for lost wages. Unfortunately, the time you had to take off of work... Read more>
Is rekeying my car covered if keys are stolen?
Comprehensive insurance covers damage to stolen vehicles, but not usually to re-key your vehicle after a theft because car insurance in general... Read more>
Comprehensive insurance covers damage to stolen vehicles, but not usually to re-key your vehicle after a theft because car insurance in general... Read more>
Is my parked car covered if I have limited tort?
State tort systems normally deal with limitations on claims for injuries and not property damage. Since it was property that was damaged in this... Read more>
State tort systems normally deal with limitations on claims for injuries and not property damage. Since it was property that was damaged in this... 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>
