FAQs

  • Does Expired Registration Void Your Car Insurance Policy?

    It is perfectly understandable to let your automobile registration slip.  Life is busy, things get lost in the shuffle and minor details like renewing your car’s registration can easily fall between the cracks.  However, it is imperative you keep your car registration and auto insurance up-to-date. Let’s take a look at whether allowing automobile registration… Continue reading →

  • Do You Need Medical Payments Coverage if You Already Have Health Insurance?

    There is a common misconception that it is unnecessary to add medical payments coverage to a car insurance policy if health insurance is already in place.  Even if you already have health insurance, you should still give medical payments coverage serious consideration. Here’s why. About Medical Payments Coverage Medical payments coverage is designed to cover… Continue reading →

  • Is Car Insurance More Expensive For New Cars? And Cheaper For Used Cars?

    Most people assume it is more expensive to insure a brand new automobile than it is to insure a used vehicle simply because most new cars are worth good money.  In most cases, this is true. However, the unique car in question, the level of auto insurance and a number of other factors ultimately contribute… Continue reading →

  • What Should You Do If Valet Parking Damages Your Car?

    Valet parking is a very helpful convenience, but if they end up damaging your car, it can leave you feeling frustrated and confused. Not only did you trust them to handle the situation, but now you aren’t sure exactly who’s at fault and whether insurance will cover it. Unfortunately, this situation happens frequently, and in… Continue reading →

  • How Much Will My Insurer Pay for My Totaled Car?

    Having a vehicle deemed as a “total loss” by the insurance company often misleads consumers. One might assume that they have insurance, so their car is totaled, and it will be paid off in full. Unfortunately, this is rarely the case. Right now, Americans are borrowing record amounts of money, and that includes car loans.… Continue reading →

  • Is it Cheaper to Insure a Sedan or SUV?

    You like the feeling of towering over everyone on the road, and the added security of plowing through snow and muddy conditions with ease. However, with that extra space in your SUV comes higher gas prices, car payments, and possibly insurance premiums. Before you take the plunge and buy an SUV or opt for a… Continue reading →

  • Should You Admit Fault in a Car Accident if it is Your Fault?

    It can happen to anyone. You are driving down the street thinking about work or school – perhaps even running a few minutes late which has forced you to speed up. Everything is on your mind except the road ahead, and before you know it you clip the vehicle in front of you as you… Continue reading →

  • What if the At-Fault Party Lies about the Car Accident?

    Unfortunately, not all car accidents are straightforward. In most instances, it comes down to a he-said-she-said debate. If you are involved in a motor vehicle accident, and the other party blatantly lies about fault or even misrepresents facts on the police report, you are not out of options. Instead, you have ways to protect yourself… Continue reading →

  • Will Car Insurance Cover Scratches On My Vehicle?

    You come out of the office after a long day, pull out your keys, and as you go to unlock your vehicle, you stop in your tracks. Right across the driver’s side door is a big glaring scratch in your pristine paint surface. Your once solid black sedan is tarnished with battle wounds, and now… Continue reading →

  • Does Progressive Snapshot Really Save You Money?

    You have seen the advertisements. You are reeled in by the fact that you could cut down your insurance premiums. Like most things in life, when something sounds too good to be real, it probably is – and Progressive’s Snapshot program might be a culprit of that. While you will save money, the savings might… Continue reading →

  • Are there Car Insurance Discounts for Federal Employees?

    Federal jobs are not just for those enlisted in the military or elected into federal office positions. Instead, the United States employs civilians for jobs throughout the United States (and even posts overseas). The federal civil service is considered the U.S. civilian workforce, and they fill positions in government agencies and departments, including those in… Continue reading →

  • Does The Color Of Your Car Affect Your Insurance Rates?

    Bigfoot, Loch Ness, and red cars all have something in common. These topics are widely speculated, but are they true? While we cannot weigh in on the validity of Loch Ness or Bigfoot, we can rely on data to dispel one popular myth: red cars increase insurance rates. Yes, it is true. A red car… Continue reading →

  • Does Auto Insurance Cover Hurricane Damage?

    Hurricanes strike, and those living in areas like Connecticut, Florida, and Alabama know all too well that it happens frequently. In fact, the Hurricane Research Division of the National Oceanic & Atmospheric Administration (NOAA) estimates that the U.S. sees seven direct hits every four years, which averages 1.75 hurricanes per year. Florida has received 40… Continue reading →

  • Does Car Insurance Cover Normal Wear and Tear?

    Life is unpredictable. You buy car insurance to cover unexpected costs – like the cost of an accident. Wear and tear, however, is a predictable cost: every car experiences wear and tear. Does normal car insurance cover wear and tear? Does any car insurance cover wear and tear? Today, we’re explaining everything you need to… Continue reading →

  • Is Car Insurance Cheaper For Leased Cars? Or More Expensive?

    When buying a new car, you have two main options: leasing or buying. If you’re trying to decide between leasing or buying a vehicle, then you need to compare all of the pros and cons – including which option comes with cheaper insurance prices. Is it cheaper to insure a leased car? Or is it… Continue reading →

  • Will Car Insurance Cover an Ambulance Ride?

    In the United States, car insurance covers both vehicle damage and medical bills. What happens if you need to take an ambulance after a car accident? Will car insurance cover an ambulance ride? Or will you need to pay for the ambulance ride out of pocket? Different types of insurance cover different types of ambulance… Continue reading →

  • Can I Self-Insure My Car? What is Self-Insured Car Insurance?

    Self-insuring a vehicle sounds like a crazy concept, but it’s a legitimate strategy used by thousands of drivers across the United States. Today, we’re explaining everything you need to know about self-insuring your vehicle. Is self-insured car insurance the right choice for you? Keep reading to find out. What is Self-Insured Car Insurance? Self-insured car… Continue reading →

  • Will Car Insurance Cover a Blown Engine?

    Your car’s engine stops working. You’re left with a repair bill for thousands of dollars. Fortunately, you have insurance. Isn’t this what car insurance is for? Will car insurance cover a blown engine? Today, we’re explaining everything you need to know about whether or not car insurance covers a blown engine and other serious car… Continue reading →

  • Does a Car Insurance Policy Have to Be in the Same Name as the Car Loan?

    If you’re leasing or financing a vehicle, then you may have questions about car insurance. One of the most common questions we get is this: does your car insurance policy have to have the same name as your car loan? Today, we’re answering that question to ensure you stay protected on the road. Yes, Your… Continue reading →

  • Who Should Pay First in a Car Accident – Health Insurance or Car Insurance?

    You have health insurance and you have car insurance. If you get injured in a car accident, however, then who’s responsible? Does your car insurance or health insurance provider pay first after a car accident? Today, we’re explaining everything you need to know about how car insurance and health insurance work after an accident. Who… Continue reading →

  • What Happens If You Hit an Expensive Car?

    Getting into an accident can be frightening. Getting into an accident with an expensive car can be even more frightening. Today, we’re explaining everything you need to know about hitting an expensive car, including your options, liability limits, and insurance coverage. How Much Car Insurance Do You Have? Many insurance experts recommend buying at least… Continue reading →

  • How Do Gaps In Coverage Affect Car Insurance Rates?

    Some people think gaps in car insurance coverage are not a big deal. These people are wrong: gaps in auto insurance have a significant effect on premiums. If you fail to renew your car insurance policy on-time, then you may have a gap in coverage, and that gap can lead to serious consequences. How much… Continue reading →

  • Can You Really Save 15% By Switching to GEICO?

    You’ve seen the GEICO commercials for years: 15 minutes could save you 15% or more on car insurance. But can you really save 15% when you switch to GEICO? Or is this just another catchy marketing slogan that fails to live up to the hype? Today, we’re exploring whether or not you can really save… Continue reading →

  • What’s the Difference Between Uninsured and Underinsured Motorist Coverage?

    You’re driving down the road, at the speed limit and obeying all of the rules of the road, of course, when all of the sudden you’re hit from behind or T-boned by another car. Even if the damage is minimal, an accident can be devastating. But, you’re thankful that you can at least rely on… Continue reading →

  • I Can Pay My Car Insurance Late Because There is a Grace Period, Right?

    It’s that time of the month again – time to pay the bills. Of course, it’s important to pay all of your bills in a timely fashion, including your car insurance premiums. But what happens if you’re strapped for cash and you can’t make the payment on time? A lot of car owners are under… Continue reading →