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What can I do if I can't find coverage?
There may be several reasons why you can’t get insurance through traditional private insurance companies:

  • You have a poor driving record
  • You own a special, high performance car
  • You have not driven long enough
  • You have not owned your car very long and therefore have no insu...
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What information do I need to give to my agent or company?
Your agent will ask you what make and model cars you own, roughly how many miles you drive each year, and what kind of liability coverage you will need. The agent will also want to know how many people drive the cars, how old the drivers are, where you live, and driving records of each household member.

The agent will then ask more detailed questions about you...
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What determines the price of my policy?
There are many factors that influence the price you pay for auto insurance. The average American driver spends about $700 a year. Your premium may be higher or lower, depending on:

  1. Your driving record.
    The better your record, the lower your premium. If you've had accidents or serious traffic violations, you will pay more than if you have a c...
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How much coverage do I need?
Almost every state requires you to buy a minimum amount of liability coverage. Chances are that you will need more liability insurance than the state requires because accidents cost more than the minimum limits. If you’re found legally responsible for bills that are more than your insurance covers, you will have to pay the difference out of your own pocket. These costs could wipe you out!
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How can I save money?
The price you pay for your auto insurance can vary by hundreds of dollars, depending what type of car you have and the insurance company you buy your policy from. Here are some ways to save money. Shop around Prices vary from company to company, so it pays to shop around. Get at least three price quotes...
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Where can I buy insurance?
You can buy insurance through your local insurance agent and through insurance companies that sell through their own employees, over the phone, by mail and over the Internet. Consult your state insurance department, the yellow pages of your phone book, and friends or relatives for the names of insurance companies doing business in your state. In most states, there are dozens, sometimes hundreds of...
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How do I choose an Insurance Company
There are many insurance companies, so choosing between them can be a challenge. Here are the main points to keep in mind when selecting an insurance company: Licensing
Not every company is licensed to operate in each state. As a general rule, you should buy from a company licensed in your state, because then can you rely ...
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Is there a difference between cancellation and nonrenewal?
There is a big difference between an insurance company canceling a policy and choosing not to renew it. Insurance companies cannot cancel a policy that has been in force for more than 60 days except when:
  • You fail to pay the premium
  • You have committed fraud or made serious misrepresentations on your application
  • ...
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Do I need insurance to rent a car?
When renting a car, you need insurance. If you have adequate insurance on your own car, including collision and comprehensive, this may be enough. Before you rent a car:
  • Contact your insurance company.
    Find out how much coverage you have on your own car. In most cases, the co...
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What if I lease a car?
If you lease a car, you still need to buy your own auto insurance policy. The auto dealer or bank that is financing the car will require you to buy collision and comprehensive coverage. You'll need to buy these coverages in addition to the others that may be mandatory in your state, such as auto liability insurance. Collision covers the damage to ...
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