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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.
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…
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…
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…
You’ve probably heard your car insurance “goes up after a claim.” But how much it rises after a collision claim depends on three big things: whether you were at fault, your state’s rules, and how your insurer prices risk. Below is what most drivers can Read More…
Sometimes, yes — doctors can qualify for car insurance discounts. But it’s not a universal “doctor discount” across every insurer. Most of the time, savings come through professional/affinity programs (like employer or association discounts) or through insurers that use occupation/education as a rating factor where Read More…
If you have a disability, you might wonder whether car insurance is cheaper—or whether insurers can charge you more. In general, car insurance usually isn’t automatically cheaper just because you’re disabled. And while insurers generally can’t charge you more solely because you have a disability, Read More…
Airbags are one of the most important safety features in a modern vehicle. They can reduce serious injuries in a crash—which can mean fewer (and smaller) injury claims. Because of that, some insurers offer an airbag or passive restraint discount. That said, airbags have been Read More…
If you’re hunting for easy ways to lower your car insurance, you’ve probably wondered whether parking in a garage helps. Sometimes it does — but usually it’s a small savings, and not every insurer gives a clear “garage discount” on the bill. Here’s the reality: Read More…
Many companies offer “thank you” perks for first responders — but a true car insurance first responder discount isn’t guaranteed. Some insurers offer an occupation discount, others offer savings through professional organizations (like police or firefighter unions), and some simply don’t offer anything specific beyond Read More…
Uninsured motorist coverage can be a financial lifesaver after you’re hit by a driver with no insurance. But many drivers worry about the tradeoff: Will filing an uninsured motorist (UM) claim raise my car insurance rates? The honest answer is: often no (especially when you’re Read More…
If you’re a BJ’s Wholesale Club member, you might be wondering whether your membership can help you snag cheaper car insurance—similar to Costco. The short answer: BJ’s members may be eligible for a GEICO “organization/member” discount, but the savings aren’t guaranteed and the discount amount Read More…
Mexico is an easy road trip if you live in a border state like Texas, California, or Arizona. But before you head south of the border, it’s important to understand a key rule: your U.S. policy usually won’t satisfy Mexico’s legal insurance requirements, even if Read More…
You already pay for renters insurance to protect your stuff and car insurance to protect your vehicle. So it’s natural to ask: can you save money by putting both policies with the same insurer? In many cases, yes. Most companies that sell multiple property and Read More…
After a car accident, the bills are only part of the story. Serious injuries can cause ongoing pain, limit your daily activities, disrupt sleep, affect your relationships, and create anxiety or trauma that lingers long after your car is repaired. That’s where pain and suffering Read More…
Insurance companies absolutely track claims—but many drivers are surprised to learn that even a simple call can create a paper trail. If you contact your insurer to ask “What would happen if I filed a claim?”, that conversation may be logged internally. And in some Read More…
Car insurance for a 16-year-old is expensive—often the most expensive of any age group. The biggest reason is simple: new drivers have the least experience, and insurers price policies based on risk and claim history. Below are the latest nationwide averages for 16-year-old car insurance Read More…
Canada is an easy road trip from many parts of the U.S. — but before you cross the border, it’s smart to double-check how your auto insurance works outside the country. The good news: most standard U.S. personal auto policies cover short trips in Canada Read More…
Living in your car can be a temporary necessity, a budget reset, or a lifestyle choice (vanlife, road-tripping, seasonal work, etc.). Whatever the reason, it changes your risk: your car isn’t just transportation anymore — it’s also where you keep your valuables, sleep, and spend Read More…
Auto insurance is meant for everyday driving—not competition. If your car gets damaged while racing (or doing many types of track events), your insurer will usually deny the claim. Below is how “racing” is defined in most policies, why claims get denied, and what to Read More…
The Texas Automobile Insurance Plan Association (TAIPA) is Texas’ “last-resort” option for drivers who can’t get auto liability insurance in the regular market. It helps eligible high-risk drivers buy the minimum coverage needed to legally drive. So, is TAIPA cheap? In most cases, no. TAIPA Read More…
Car insurance is a must-have expense for most drivers — and it can be especially tough to afford on a tight budget. The short answer: there’s no nationwide “welfare car insurance” program, but some public benefits can be used to pay your premium (if they’re Read More…
In most cases, yes — you can pay your car insurance deductible with a credit card. The catch is that you usually don’t pay the deductible to your insurer. You typically pay it to the body shop, glass shop, or tow/repair provider handling the work. Read More…
Sometimes, yes — but it’s not guaranteed. Costco doesn’t sell or underwrite auto insurance directly. Instead, eligible Costco members can quote and buy auto (and home) coverage through Costco’s insurance program, which is administered by an agency and underwritten by American Family companies (the program Read More…
Most teens can get a driver’s license around age 16. But when it comes to buying car insurance, the real issue usually isn’t your age—it’s whether you can legally sign the contract and whether the car is titled/registered in your name. Here’s how old you Read More…
Car insurance is expensive at 18 — and for good reason: insurers price teen drivers higher because they have less experience behind the wheel and tend to file more claims. If you’re an 18-year-old shopping for coverage (or a parent adding a teen driver), it Read More…