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Car insurance requirements by state

As drivers, we want to be protected when we’re on the road, but we also want cheap car insurance. However, not all our auto insurance options are in our hands. While you do—ultimately—have a choice whether to carry auto insurance, each state has its own minimum requirements when it comes to car insurance. In general, those…

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Common questions about car insurance rates

Added January 31, 2018 We’re all looking for affordable car insurance or discount insurance. It’s one of those expenses where we frequently look at our options for cheaper coverage while maintaining quality protection. And while we’re required to have insurance, we still have questions about our insurance policies. Here are some frequently asked questions regarding…

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High-risk auto insurance: Your questions answered

What is high-risk auto insurance? High-risk auto insurance—often called nonstandard auto insurance—covers drivers who insurance companies determine to have a higher risk of filing a claim, being an inconsistent payer, or being involved in an accident. While high-risk auto insurance policies are typically more expensive, drivers can improve their records and even remove their high-risk designation…

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Why your car won’t start when it’s cold—and how to fix it

Stranded in the cold because your car won’t start? Cold weather can be especially hard on parts of a vehicle like the battery, alternator, fuel system, and engine oil. This guide covers the four most common reasons a car won’t start in cold weather, how you can fix it and ways to prevent it so you…

10 ways to avoid road rage

We all feel frustrated or annoyed behind the wheel from time to time—whether we’ve been cut off by a speeding driver, someone is tailgating us or won’t let us merge, or we’re stuck in bumper-to-bumper traffic. That’s totally reasonable. But when those feelings intensify into road rage, things become dangerous. According to SafeMotorist, 12,610 injuries and…

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How to jump-start your car in 9 steps

1. Set your car’s parking brake Before you do anything, secure your car by setting the parking or emergency brake to keep your car from rolling as you jump-start it. This is especially important if you’ve parked on any kind of a hill or incline. 2. Check your owner’s manual Your owner’s manual can help…

Understanding bodily injury liability insurance

What is bodily injury liability insurance? Bodily injury liability helps protect you against expenses and damages a person might claim against you due to injuries they sustain in an auto accident you cause. When you purchase an insurance policy, your state likely requires you to purchase liability insurance. In most states, bodily injury liability coverage is…

How car insurance works: A guide to everything you need to know

Car insurance can help protect you from life-altering costs associated with car accidents and damage to vehicles. Our guide helps answer your questions about how car insurance works.  What is car insurance?  Car insurance is an agreement between you and an insurance provider that may help financially protect you if:  Several different types of car insurance…

Nonstandard auto insurance: Your ultimate guide

Car insurance customers are categorized according to their potential risk. The primary classifications auto insurers use are: While your classification and your premiums depend on a variety of factors, it ultimately boils down to this: How much of a risk do you pose for the insurer? You might have a minor blemish on your driving record…

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Insurance lapse: Your guide to understand, fix, and prevent it

What happens if my car insurance policy lapses? If you miss a car insurance payment, your coverage will typically lapse after a 10–15-day grace period—depending on where you live and the type of payment missed—leaving you and your car unprotected. If you’re caught driving while your car insurance has lapsed, you could face legal penalties…