• 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?” 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 and those occasional… 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?” 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 more and more… 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?” 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 or… 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?” 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 on… Continue reading

  • What Financial Information Can Affect My Auto Insurance Rate?

    Nate from Yarmouth, ME Asks – “What financial information affects my car insurance rate?” 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 will… 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?” Answer: Cheap car insurance is no longer a luxury only available to old men and women; younger drivers can lower their car insurance premiums… 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!” 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 their… 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? 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 you… 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 Friends 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?” 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?” 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