Auto Insurance News, tips and tricks - FAQs

Basics

What is the difference between life insurance and auto insurance risk?
What happens to me if I drive without auto insurance?
Must I have auto insurance?
Is automobile insurance available for everyone?
What is assigned risk?
Who is covered by my personal auto policy?
Does car insurance remove the worry of a lawsuit?
What is auto insurance?
Some states have a financial responsibility law. What do these laws require?
I live in a state where I can elect either no-fault coverage or traditional tort coverage. Which one should I choose?
My state has a comparative negligence law. How does that work? Who decides how much I was at fault?
Is it true that auto insurance rates have been falling across the U.S. In the last couple of years?
In respect to car insurance what is an assessable policy?

How Rates Are Determined

In general, What affects insurance company premiums?
How does the car insurance company decide my own premium?
What are the typical rating factors?
What should you consider when purchasing automobile insurance to keep your cost down?
I already have car insurance. Are there any ways to cut my costs?
Do auto insurance companies insure the same class of drivers?
Will my premiums go up if I have an accident?
What is a deductible?
If I buy a flaming red mazda, Will I pay more for insurance than if I bought it as metallic blue?
My daughter just got her drivers license. How can I keep my costs low?
Can my auto insurance be increased because I received a speeding ticket for driving 85 mph on an interstate highway?
I have not had any accidents or violations, So why do my auto insurance premiums continue to increase?
Do I save money on service charges if I pay premiums in full rather than on a quarterly or monthly basis?
How do I know if I am being charged the right premium?
Do I have to pay an insurance premium after my auto is declared a total loss?
Im getting ready to purchase a new car. How does the make and model help determine the insurance premium?
I have had two accidents and neither was my fault. Does the company have the right to raise my premiums?

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