FAQs

Browse our auto insurance FAQs for clear, straightforward answers to common coverage questions. Our guides explain how car insurance works in real-world situations — from deductibles and claims to discounts, coverage options, and insurer policies — so you can make informed decisions with confidence.

What Does an ISO Rating Mean (for Car Insurance)?

In car insurance, an “ISO rating” usually refers to the vehicle symbol (sometimes called an ISO Symbol) used in many insurers’ pricing formulas. These symbols come from the former Insurance Services Office (ISO), which is now part of Verisk and provides rating data that insurers Read More…

Will Auto Insurance Pay for a Locksmith?

Usually, auto insurance will pay for a locksmith only if you have roadside assistance (sometimes called towing & labor or emergency road service). If you don’t have that add-on, you’ll typically pay out of pocket—unless you have a separate membership plan (like AAA), a credit Read More…

Does Car Insurance Pay for Tornado Damage?

Tornadoes can wreck a car in seconds—flying debris, falling trees, shattered glass, and even floodwater after the storm passes. The big question is whether your auto insurance helps pay for those repairs (or a total loss). In most cases, car insurance pays for tornado damage Read More…

Is Westfield Good for Auto Insurance?

Westfield Insurance is a regional property and casualty insurer best known for home and auto coverage sold through independent agents. It’s headquartered in Westfield Center, Ohio, and traces its roots back to 1848 (originally Ohio Farmers Insurance Company). Is Westfield good for auto insurance? For Read More…

Is Fremont Good for Auto Insurance?

Fremont Insurance is a Michigan-based insurer that’s been around since 1876. If you’re shopping for a regional company (instead of a national giant), Fremont often comes up when drivers compare car insurance quotes in Michigan. So—is Fremont “good” for auto insurance? For many Michigan drivers, Read More…

Is Pronto Good for Auto Insurance?

Pronto Insurance is a South Texas–based provider best known for flexible policy terms and specialty coverage for drivers traveling between the U.S. and Mexico. If you live in the Southwest and want an in-person agent, Spanish-language support, or short-term policy options, Pronto may be worth Read More…

Is Anchor General Good for Auto Insurance?

Anchor General Insurance Company is a San Diego–based insurer that focuses on non-standard car insurance—coverage built for drivers who may be priced out of (or declined by) many big-name carriers. Anchor General generally serves drivers in California, Arizona, and Texas, and policies are typically sold Read More…

Is Omni Good for Auto Insurance?

Omni Insurance is a name drivers still see on policy paperwork in some states, but the consumer-facing brand today is usually Good2Go. Omni got its start in Atlanta, Georgia, and it later became part of a larger group that consolidated multiple brands under the Good2Go Read More…

What If Someone Claims You Hit Their Car (When You Didn’t)?

If someone says you hit their car—but you’re sure you didn’t—it can feel like your word against theirs. The good news: insurers don’t decide liability based on whoever argues the loudest. They look for evidence (damage patterns, photos, witness statements, reports, and video) to figure Read More…

How Can I Avoid Paying My Car Insurance Deductible?

A car insurance deductible is the portion of a covered claim you’re responsible for before your insurer pays the rest. If your deductible feels too high, you usually can’t “skip” it—but there are a few legitimate situations where you won’t owe one (or you may Read More…

Does Car Insurance Cover Bumper Damage?

Bumper damage is one of the most common (and annoying) types of car damage—everything from a low-speed rear-end collision to a parking-lot scrape can leave your front or rear bumper cracked, dented, misaligned, or peeling paint. So, does car insurance cover bumper damage? In many Read More…

Is the Person Making a Left Always at Fault?

In many intersection crashes, one driver is going straight and the other is turning left across their path. In those situations, the left-turning driver is often found at fault — but not always. Fault depends on who had the right of way, what traffic signals Read More…

Why is Car Insurance So Expensive in Rhode Island?

Rhode Island is small, but car insurance prices can feel anything but. If you’re in Providence or you’ve had a recent ticket/claim, it can seem like every renewal comes with sticker shock. So why is car insurance so expensive in Rhode Island? It usually comes Read More…

Why Is Car Insurance So Expensive in Massachusetts?

Drivers in Massachusetts often complain about the price of auto coverage. And in some ZIP codes—especially in and around Boston—those complaints are completely valid. But here’s the twist: car insurance in Massachusetts isn’t always expensive statewide. The biggest reason it feels expensive is that rates Read More…

Can Both Parties Be at Fault in a Car Accident?

Yes—both drivers can be at fault in the same car accident. Fault isn’t always all-or-nothing, and insurers often assign a percentage of responsibility to each driver based on the evidence. That fault split matters because it affects who pays, how much each person can recover, Read More…

Does Car Insurance Cover Hitting a Curb?

It happens fast: a tight turn, a parking misjudgment, or a slick winter road—and you smack a curb. The big question is whether your car insurance will pay for the damage. Usually, curb damage is covered only if you have collision coverage (and even then, Read More…

Is Plymouth Rock Good for Auto Insurance?

If you’re shopping for car insurance in the Northeast, Plymouth Rock Assurance is one regional company you’ll see often—especially through independent agents. But is Plymouth Rock actually good for auto insurance? In most cases, Plymouth Rock is a solid option if you live in one Read More…

Do College Graduates Pay Less for Car Insurance?

You worked hard to graduate from college—but does that translate into lower car insurance rates? Sometimes, yes. In many states, some insurers consider “non-driving” factors like education level when pricing a policy or placing you in a rating tier. But it’s not universal, it’s not Read More…

Does Dairyland Have Good Car Insurance?

Dairyland® is a nonstandard auto insurer that’s often a solid option for drivers who are having trouble getting affordable coverage elsewhere (for example, after tickets, accidents, or an insurance lapse). But it’s not necessarily the best fit for everyone—especially if you have a clean record Read More…

Is Bristol West Good for Auto Insurance?

Bristol West is a “nonstandard” auto insurer (a company that specializes in drivers who may have a hard time getting coverage elsewhere). It’s part of the Farmers Insurance Group and is best known for helping drivers who have a lapse in coverage, a less-than-perfect record, Read More…