• Does your insurance premium go up if you file a claim for something you’re not at fault for?

    Elaine from Minnesota asked us last week whether “your insurance premium go up if you file a claim for something you’re not at fault for?” – The question is tricky, as it depends pretty much on the type of the claim and the circumstances. Anyways, here we go: Answer: Filing claims for accidents you aren’t at… Continue reading

  • What are the most expensive cars to insure?

    A classic and still interesting question was brought to us by Dan from Colorado: “What are the most expensive cars to insure?” The question is natural and the answers ever changing, at least to some degree. So let’s get started. Answer: The list of most expensive cars to insure is kind of an obvious list.… Continue reading

  • How to chose the right auto insurance company for my car and specific needs?

    Bob from Pennsylvania asks: How can I chose the best car insurance company for my vehicle? How do I know which rates are best for my situation and if the carrier does really deliver?

  • How often do the safest drivers have accidents?

    Tal from New York City today asked us: “Sometimes accidents are unavoidable.  Safe drivers still have car accidents, right?” Answer: Accidents can happen to anyone, no matter how safe you try to be on the road. There’s not one demographic of the population dubbed “safest drivers” but there are things you can do to make… Continue reading

  • Is AAA worth it?

    James from Tallahassee, FL asks: Is getting a AAA membership worth it? InsurancePanda.com answers: Whether or not you think AAA is worth the cost depends on what you value and the resources you have at hand. AAA is a roadside services membership program that can assist you when you’re broken down. While many insurance companies offer… Continue reading

  • What’s the history and background behind AAA?

    Andrew from Brooklyn, NY asks: What’s the history and background behind AAA? InsurancePanda.com answers: AAA was founded in 1902 and despite the small number of cars on the road (when compared with today’s vehicles) there were already 50 motor clubs. AAA was formed when 9 of the clubs joined together in Chicago and the American Automobile… Continue reading

  • Do any auto insurance companies offer discounts for driving very little?

    Zach in Rhode Island asks us this question – “Are there any discounts out there for drivers who don’t drive that much?” Insurance Panda answers: Drivers are always looking for a way to lower auto costs. Having a car can be expensive. When you factor in how much you pay for auto insurance, general repair… Continue reading

  • How Much Will Self-Driving Vehicles Cost To Insure?

    Jason from Hong Kong asked the panda, “Will self-driving cars be cheaper to insure or more expensive to insure?” Insurance Panda answers: Self-driving cars sound amazing. I mean, how nice would it be to get a few extra minutes of sleep during your daily commute to the office? The idea of self-driving cars is becoming… Continue reading

  • Why don’t states verify that motorists have insurance when one is registering a vehicle?

    Jane from Binghamton, NY Asks – “Why don’t states verify that motorists have insurance when one is registering a vehicle?” Our answer: While all states except for New Hampshire require that drivers have at least a minimum amount of liability insurance, some don’t require proof of insurance when registering vehicles. Illinois, Montana, Washington, and New… Continue reading

  • How long does it take for an insurance company to find out about a speeding ticket?

    Your insurance company won’t find out about your traffic ticket until you’ve submitted to the charges. Many people will automatically pay the fine because they realize that they were, in fact, speeding and just got caught. Others will contest the charges and try to get a ticket dismissed or charges lessened. Once you’ve paid your… Continue reading

  • Is pay as you go auto insurance available in the United States?

    Yes. Pay as you go insurance is picking up speed in the United States, but be careful how fast you go because someone is watching. American drivers are always interested in saving money on car insurance and if you don’t drive often, pay as you go insurance may be a great option for maintaining coverage… Continue reading

  • How Are Auto Insurance Rates For Teens Calculated?

    Vivian from Brooklyn, NY Asks – “How Are Premiums Calculated for Teen Drivers?” Our answer: On the surface, the answer is that car insurance premiums for teens are calculated the same as for adults. But underneath that, the insurance company will look at specific factors regarding the teen being insured, such as their gender, whether… Continue reading

  • What Happens If Your Car Gets Hit When You’re Not There?

    Andrew from Columbus, OH Asks – “What Happens When Your Car Is Hit When It’s Parked And You’re Not There?” Our Answer: The primary issue in most car accidents is always who is liable for the damage caused, that is, which driver is at fault in the entire incident. More often than not, one driver… Continue reading

  • Do You Need A Nonstandard Car Insurance Policy?

    Daniel from Portland, ME Asks – “How do I know if I need a nonstandard auto insurance policy?” Our Answer: Standard policies are for the average driver with no high-risk situations, like a DWI. Nonstandard car insurance policies are for drivers that insurance companies consider riskier to insure. This includes: Drivers with DUIs or DWIs… Continue reading

  • What Financial Information Can Affect My Auto Insurance Rate?

    Nate from Yarmouth, ME Asks – “What financial information affects my car insurance rate?” Our Answer: Your financial history and financial status plays a large role in helping auto insurers determine your “trustworthiness.”  Remember, insurance is a game of risk, and all insurance companies use complex algorithms to determine how much of a risk you… Continue reading

  • What Insurance Discounts Are Available For Young Drivers?

    Cary from Spring, TX asks – “I’m 17 years old and am finding that auto insurance is too expensive. How can I get it cheaper? Are there any discounts for me?” Our Answer: Cheap car insurance is no longer a luxury only available to old men and women; younger drivers can lower their car insurance… Continue reading

  • Why Do Women Get Cheaper Car Insurance?

    Samuel from Tallahassee, FL asks “Why does my girlfriend pay so much less than me for auto insurance? Our driving records are the same!“ Our Answer: You may think it’s unfair that men pay more for auto insurance than women, but you may be wrong in your belief. The statistical evidence is clear: women, by… Continue reading

  • How Do You Get Cheap Auto Insurance After A DUI?

    Sergey From Canton, MA Asks – How Do You Get Cheap Auto Insurance After a DUI/DWI? Our Answer: Finding cheap auto insurance after you have been convicted of DUI (driving under the influence) or DWI (driving while intoxicated) can be a bit tricky.  If you did something stupid and you got caught, chances are that… Continue reading

  • What Are The Cheapest Auto Insurance Companies?

    Jill from Monroe, Louisiana Asks – “What are the cheapest car insurance companies out there?” Answer: While the lowest premium price is the most crucial element in finding the cheap car insurance that will work best for you, there are still a lot of other elements that you should consider when coming to a decision.… Continue reading

  • Do You Need Auto Insurance For When You Borrow A Friend’s Car?

    Sam from Glendale, CA asks, “Are You Covered If You Take Your Buddy’s Car For A Ride?” If your friend lets you borrow his car, does his auto insurance cover you? In most places, it depends on what you’re using the car for and how much you’re using it. If you only borrow your buddy’s… Continue reading

  • How Does My Job Affect My Insurance Rates?

    Steve from Anchorage, AK asks – “Does my occupation have any affect on the amount I will be paying for auto insurance?” Some auto insurers consider your occupation and education when they’re determining your auto insurance rates. Some insurance companies will ask you about your education level and current job to determine how much you… Continue reading

  • Can Car Insurance be Paid by Credit Card?

    Adam from Tallahassee, FL asks, “can I pay my monthly car insurance bill with my credit card?” Our Answer: Car insurance is unfortunately one of those facts of life that there’s just no getting around. If you want to drive, you need to take out car insurance and it’s just that simple. This is what… Continue reading

  • Will Car Insurance Cover Water Damage?

    Norma from Dothan, AL asks – “Will my auto insurance cover water damage to my vehicle?” Our Answer: When you pay for car insurance, you normally assume that your car is covered and that you don’t need to pay for anything else to keep it extra safe. After all, running a car isn’t exactly cheap… Continue reading

  • Do Car Insurance Rates Drop At Age 25?

    If you are approaching the age of 25, you might have heard that your car insurance rate could get better. There are a lot of factors that go into deciding your car insurance rate, and age is definitely one of them. But there is more to know than just what sort of discount you might… Continue reading

  • Is Auto Insurance Tax Deductible?

    Everyone would like to save a little more money and paying less tax or getting a bigger return is definitely one of the ways that you can do that. If you can deduct your auto insurance from your taxes, you’ll pay less, which means more money in your pocket whether or not you get a… Continue reading

  • What Happens If You Get Into An Accident With An Expired License?

    Owning an in-date driving license is a legal requirement for drivers. If you are driving and you do not own a license, then that puts you on the wrong side of the law and you may find yourself facing penalties and legal charges. The precise charges for driving without a license will vary from state… Continue reading

  • Which Vehicle is Cheaper to Insure: Honda Civic or Toyota Corolla?

    Shopping for a car is no easy task. There are many factors that you need to consider before making this large purchase. It is important to look at cars that are going to provide you with the most value for the money that you pay for it. In order to determine the true cost of… Continue reading

  • Why Is My Insurance So High With No Accidents?

    So you’re a good driver. You’ve never been in an accident. You’ve never even made a claim on your car insurance policy. Why are you paying so much for car insurance? There are a number of reasons why your insurance may be so high with no accidents. Today, we’re explaining all of these reasons to… Continue reading

  • What is the Cheapest Pickup Truck to Insure?

    So you need a pickup truck – but you don’t want to pay a lot for insurance. Higher-end pickup trucks, just like higher-end cars, can cause your insurance to skyrocket. Fortunately, there are plenty of pickup trucks that come with low insurance costs. Generally speaking, cars and pickup trucks cost about the same to insure.… Continue reading

  • What is the Cheapest Car Insurance You Can Get?

    If you want to legally drive a car on a public road in the United States, then you’re required to have car insurance. Every state in America requires you to have some type of car insurance in order to legally drive. If you don’t have car insurance, then you can’t drive. It’s that simple. Of… Continue reading

  • Can You Get Auto Insurance Quotes Without a Driver’s License?

    So you need a car insurance quote – but you don’t have a driver’s license. What should you do? Today, we’re answering all the questions you might have about getting car insurance with no driver’s license. Yes, You Can Buy a Car Without a Driver’s License There’s no law preventing you from buying a car… Continue reading

  • What Do Car Insurance Rates Look Like for New Drivers?

    Getting car insurance as a new driver can be stressful. Car insurance for new drivers can be expensive. Insurance companies have no way to judge your previous driving history. They don’t know if you’re going to spend your whole life without any major claim. They don’t know if you’ll be the worst driver in the… Continue reading

  • Is It Cheaper to Insure a Toyota Camry or a Honda Accord?

    So you’re comparing the costs of owning two of America’s most popular cars: the Toyota Camry and the Honda Accord. Which car is cheaper to insure? Are you going to pay less to insure a Toyota Camry or a Honda Accord? Today, we’re answering all your questions about the insurance costs of a Toyota Camry… Continue reading

  • Should You Report Every Single Accident to your Insurance Company?

    It’s natural to wonder if you need to report every accident to your insurance company. After all, not all accidents are severe. Maybe somebody hit your bumper. Maybe you inadvertently scraped your garage while pulling in. Does your insurance company really need to know about these incidents? Are you worried about the impact of an… Continue reading

  • How Can You Get Auto Insurance Immediately?

    You need car insurance today. How can you get auto insurance immediately? How do you get an instant car insurance estimate? Today, we’re explaining everything you need to know about getting auto insurance immediately. Most Insurance Companies Offer Instant Car Insurance Quotes Most major insurance companies – including nationwide providers and smaller local insurers –… Continue reading

  • Is It Cheaper to Insure a Ford F150 or a Chevy Silverado?

    The Ford F150 and the Chevrolet Silverado are two of the most popular trucks in the United States. The trucks are priced at a similar rate – but do they have different insurance costs? Today, we’re helping you decide if it’s cheaper to insure a Ford F150 or a Chevy Silverado. Cheaper Trucks Are Generally… Continue reading

  • How Do You Go Through Your Insurance Company to Get Repairs Done to your Vehicle?

    So you want your insurance company to pay for vehicle repairs. How do you get your insurance company to pay for vehicle repairs? How do you go through your insurance company to get repairs done to your vehicle? What’s the next step? Today, we’re explaining the process of filing an insurance claim for vehicle repairs.… Continue reading

  • What If My Car Insurance Payment is Late?

    Maybe you forgot to pay your car insurance. Maybe you just need a few more days until your paycheck arrives. Whatever the reason may be, your car insurance payment is late – and you’re worried about the consequences. What happens if you’re late with your car insurance payment? Will you lose insurance coverage if you’re… Continue reading

  • Who is Eligible to Get Car Insurance from USAA?

    The United Services Automobile Association, or USAA, is an insurance company that serves active-duty military, veterans, and family members. Originally founded as a car insurance company, USAA now offers a wide variety of banking and insurance services. You may have noticed great prices on USAA auto insurance when comparing quotes online. However, not everybody is… Continue reading

  • I Can’t Afford Car Insurance Anymore – What Should I Do?

    Car insurance can be prohibitively expensive for some people. Sometimes, even basic liability car insurance will break your budget. Or, in other situations, drivers with a bad driving record can face costly monthly insurance premiums. Whatever your situation may be, you have a problem: you need car insurance but you can’t afford it. What should… Continue reading

  • Do Traffic Violations Affect Insurance Premiums?

    Your driving history has a huge effect on the price of your auto insurance. If you have a long history of driving safely, for example, then you’ll pay less than someone with multiple speeding tickets or collisions in the last five years. Do ordinary traffic violations affect insurance rates? Will your insurance prices go up… Continue reading

  • Is Auto Insurance Cheaper If You’re Married?

    How does getting married affect the price of car insurance? Can you expect to pay cheaper rates when you’re married? Today, we’re explaining everything you need to know about the cost of car insurance for married couples. Typically, Car Insurance is Cheaper for Married Couples Dozens of factors go into the price of your auto… Continue reading

  • What’s Better for Car Insurance – GEICO or Progressive?

    GEICO and Progressive are two of the most popular car insurance companies in the United States. Approximately 9% of American drivers are Progressive customers, while 11% are GEICO customers. Which insurance company is better – GEICO or Progressive? Which company offers better value on their car insurance policies? Which company handles claims more honestly and… Continue reading

  • What Happens If I Lie About My Driving History to the Insurance Company?

    Many drivers try to get cheaper car insurance rates by lying about their driving history. Does your car insurance company really need to know about that speeding ticket you received 3 years ago? Does your insurance company really need to know the primary driver of your vehicle? Today, we’re explaining what happens when you lie… Continue reading

  • Does My Auto Insurance Policy Cover Rental Cars?

    If you’ve recently rented a car, then you were probably asked if you wanted rental car insurance. Some people say it’s a cash grab by the car rental company. Your car rental company, on the other hand, tells you it’s a smart idea. What’s the truth? Does your current auto insurance policy cover rental cars?… Continue reading

  • Am I Covered If I Drive Outside of the Country?

    Whether you’re crossing the border into Mexico or Canada or renting a car in Europe, you may be wondering if you’re covered while driving outside the country. Are you covered when you rent a car in a foreign country? Does your insurance provide the same coverage on a road in Canada or Mexico? Today, we’re… Continue reading

  • Is It Cheaper to Insure an Audi A4 or a BMW 325i?

    The BMW 3 Series is a perennial bestseller. The Audi A4, however, was fully redesigned for the 2017 model and remains one of the bestselling cars in its class. But what about insurance costs? Is it cheaper to insure an Audi A4 or a BMW 325i? Today, we’re explaining everything you need to know about… Continue reading

  • What’s Cheaper to Insure – An Automatic or Manual Vehicle?

    Manual vehicles are declining in popularity. However, a number of drivers still debate whether it’s cheaper to insure an automatic or manual vehicle. What’s the cheapest vehicle to insure? Today, we’re explaining the difference between insuring automatic and manual vehicles. Automatic Cars Are More Expensive to Insure than Manual Cars Automatic cars tend to cost… Continue reading

  • Can Your Car Insurance Company Send You to Collections If You Don’t Pay Your Bill?

    Late bill payments are never a good thing. What happens if you don’t pay your car insurance premiums? Can your car insurance company send you to collections? Will you ruin your credit score when you miss an insurance payment? Today, we’re explaining everything you need to know about whether or not your car insurance company… Continue reading

  • Does Your Car Insurance Go Up After an Accident?

    So you’ve been involved in a car accident and you’re worried about the cost of your insurance. Will your insurance rates rise after an accident? How much does an accident affect your insurance premiums? Today, we’re answering all your questions about whether or not insurance goes up following an accident. If You Caused an Accident,… Continue reading