Auto Insurance
Auto insurance, demystified
Quick answers to the questions everyone asks.
Auto basics
How is auto insurance calculated?
The factors that determine your auto insurance premium.
Claims
Should I file a claim or pay out of pocket?
When it makes financial sense to file a claim — and when it doesn't.
What happens if I'm in an accident?
The step-by-step process after an auto accident.
Coverage basics
How much auto insurance do I need?
How to size your auto coverage to your actual financial exposure.
What is full coverage auto insurance?
What 'full coverage' actually includes — and what it doesn't.
Coverage details
Does my auto insurance cover rental cars?
When personal auto policies extend to rentals and when they don't.
What is gap insurance and do I need it?
When gap coverage makes sense and when it doesn't.
High-risk drivers
What is an SR-22 and do I need one?
When SR-22 filings are required and how to get one.
Migrated
Policy mechanics
Can I have two auto insurance policies on the same car?
Why double coverage rarely makes sense and what happens if you have it.
Can I insure someone else's car?
Insurable interest, named drivers, and policy ownership.
What happens if my auto insurance lapses?
The consequences of coverage gaps and how to recover.
Pricing factors
Does my credit score affect my auto insurance rate?
How credit-based insurance scores influence premiums and where they're banned.
How long does an accident affect my insurance rate?
How long at-fault accidents stay on your record and how to recover.
Shopping
How often should I shop my auto insurance?
When and why to compare auto insurance quotes.
What is the cheapest auto insurance company?
How to find the cheapest carrier for your specific profile.