100 Most Frequently Asked Questions About Car Insurance

Fran
Fran Majidi
April 13, 2020

1. Who Has the Cheapest Insurance?

It’s important to compare car insurance quotes because they are determined by many factors. No two rates are the same because different drivers have different life circumstances. You may also be eligible for certain discounts other drivers are not.

2. How Much Car Insurance Do I Need?

How much car insurance you have depends on a few factors. First, if you’re leasing or financing a car you may be required to have full insurance. Each state has different insurance requirements so it’s important to check with your local DMV. However, nearly all states require liability insurance at the very lease, if your car is paid off. Also, you don’t want to over insure a car that is worth very little. For more on how much car insurance to buy, visit here.

3. Does My Auto Insurance Cover Rental Cars?

Depending on your coverage, you may be covered for a rental car if your car is damaged in an accident. If you carry comprehensive, collision and liability coverage on your own vehicle, the coverage will most likely extend to the rental car as well. The same is true when you rent a car for business or travel. For more on what covers rental car damage, visit here.

4. How Much Is Auto Insurance?

Everybody’s rates are different according to several factors, but it’s also important to shop car insurance rates with a trusted source to find out what different insurers are offering a driver like you. People who compare auto insurance quotes save hundreds, if not thousands, of dollars a year. Factors include but are not limited to marital status, garaging address and driving history. Some states rate you based on credit.

5. What Does Comprehensive Car Insurance Cover?

Many people wrongly assume that having comprehensive insurance means you are covered for “everything” after you have an accident. Comprehensive insurance covers you if your vehicle is stolen or vandalized or if it is damaged as a result of anything other than a collision. Other perils that are covered by comprehensive insurance include storms and other natural disasters, broken windows and windshield and damage caused by animals and falling objects.

6. What Is Auto Insurance?

Auto Insurance is a contract between the insured and an insurance company. If the insured suffers a covered loss, the insurance company will help pay for expenses. Insurance payments for insurance coverage are paid in monthly premiums, in a lump sum for the year and semi-annual payments. If you get into an accident that is your fault, you first pay a deductible, or set amount of your choosing, before insurance covers most if not all that remains on the balance owed. Everyone pays a different rate to be insured. For a more detailed article on what auto insurance is, visit here.

7. What Is the Best Auto Insurance Company?

Car Insurance is not a one-size-fits-all type of product. There are many factors that determine what is best for you and your car. It also helps to speak with a knowledgeable agent, who may be able to tell you how much coverage you need if you feel confused.

8. When Not to File an Auto Insurance Claim

Use your common sense. Know that when you make a claim your rate goes up. So, file one if the expense is one you cannot handle. For one thing, you’ll have to pay the deductible before you’re covered. Ask yourself if it’s worth it. If you have a $200 expense, for example, it’ll most likely be less expensive than your deductible, so it’s a good idea to just pay out-of-pocket.

9. How to Cancel Auto Insurance

Each insurer has a different cancellation policy. Contact your insurer to find out if there are any penalties if you cancel outside your coverage term.

10. How to File an Auto Insurance Claim Against Someone

If you’re in an accident, you should always exchange insurance information with the other driver. There should also be a police report explaining what happened. Call your insurance company as soon as you can, after exchanging information and speaking with police. If the accident was their fault, tell your insurance agent what happened. The insurer will file the claim against the other driver.

11. What is Auto Gap Insurance?

Often, when people buy a car, they owe more in loans than the car is worth. For instance, your car’s Kelley Blue Book value may be $10,000 but you owe $15,000 in loans. This is a problem if you find yourself in an accident, you are at a $5000 loss. This is because coverage never exceeds the value of the car. However, you can buy auto gap insurance if this is the case, and it will pay the remaining $5,000 of your loss.

12. How Does Auto Insurance Work?

To drive legally, you must carry your state’s minimum required insurance coverage on your car. Nearly every state requires liability property and casualty insurance, and many require more. In no-fault states like Michigan you must have more coverage, usually PIP insurance, which covers damages and injuries regardless of who is at fault. Most states require liability insurance at minimum, but liability coverage only protects you against the other driver if the accident is your fault. You need to buy additional insurance to cover damages to your own car in case you have an accident that is your fault. You also need more insurance if you owe more money on your car loan than what your car is worth. Otherwise, you’ll still carry a remaining balance if your car is declared a total loss and you’re paid out by your insurer.

13. Does Auto Insurance Cover Theft?

Comprehensive insurance covers car theft.

14. How Will Buying Car Insurance Help You?

For one thing, you won’t get into legal trouble. If you’re uninsured and get pulled over or, worse yet, find yourself involved in an accident, you’ll pay a hefty fine on top of the legal troubles you’ll need to sort out. Also, without car insurance, you’re on your own to pay for very expensive damages to another person’s car if you’re at fault. You’ll also be on your own to pay for your own repairs. Car insurance was designed to help with the financial impact of an accident.

15. What Does Auto Insurance Cover?

The answer to this question depends largely on which coverages you buy. If you only have the state minimum, you’re only protecting the other driver if you’re at fault. In that case, the expense of repairing the other driver’s car and taking care of medical costs will be your insurer’s responsibility. If you buy collision coverage, your car will be repaired at no cost to you. If you buy comprehensive coverage and your car is stolen, you will be paid the value of the car. If you do not have collision and comprehensive, you’d be on your own to pay for your own losses.

16. What Is a Good Auto Insurance Score?

Auto insurance scores usually range between 200 and 997. A good insurance score is around 770 and higher.

17. What Is Considered Full Coverage Auto Insurance

You have full coverage auto insurance if you have coverage to protect your own losses, not just the other driver’s.

18. What Is the Best Auto Insurance for Teenage Drivers?

The answer to this is not clear cut because many different factors determine an auto insurance rate. One insurance company may offer you better rates than they would to someone with a similar profile. It’s always a good idea to compare several insurance companies’ rates. Also, see if your teen qualifies for a good student discount.

19. Who Is the #1 Auto Insurance Company?

The answer to this is also complicated. One insurance company may offer you better rates than another. If by #1 you mean to ask which is the largest car insurance company, the answer is State Farm. You can compare State Farm’s rates against other insurers to see which will offer you the best coverage at the best rate.

20. How Long Does an Auto Insurance Claim Take?

The answer to this varies by state. For instance, in California, the claim must be acknowledged within 15 days and must be determined within 40 days. On average, it takes about 30 days to resolve most claims.

21. How to Get Cheap Auto Insurance

To find the lowest auto insurance for you fill out a form here to compare auto insurance rates.

22. What Is a Declarations Page for Auto Insurance?

The declarations page on an auto insurance policy states which coverages and limits you have. The declaration page is usually the front page or one of the first pages of your policy and is located inside the policy jacket. The declaration page specifies the named insured, address, policy period, location of premises, policy limits and coverage terms and limits. When you buy car insurance from a new insurer, the most important thing you can do is to look through the coverages listed on the dec page. Make sure there are no mistakes with your name and Vehicle Identification Number (VIN). Your declaration page will also list other vital pieces of information so make sure everything is accurate.

23. What Is a Deductible in Auto Insurance?

The deductible is the amount you’re responsible to pay before the insurance company begins to pay for your losses.

24. How Much Is Full Coverage Auto Insurance?

The average full-coverage car insurance rate is about $1400 a year. However, your rate will vary from this amount according to many factors, which include the value of your car, your marital status, the garaging address and more.

25. How to Switch Auto Insurance

The best way to switch auto insurance is to find out when you can cancel without a penalty. Sometimes, the switch can still offset the penalty charge, however, Next, compare car insurance rates. Never drop your current insurance without having a new one instated.

26. Is Auto Insurance Tax Deductible?

Your car insurance premium is tax-exempt only if you use your car for business. If you drive a car for both personal and business uses, you may deduct your insurance costs from your taxes, for the percentage of the time you use your car for business. You are, however, unable to deduct personal losses due to casualty or theft, regardless of whether or not the loss is covered by an insurance policy.

27. What Auto Insurance Do I Need?

In most cases, if you’re still paying off a car, you’ll be required by the lien holder to carry full coverage. However, if you own your car, you have the option of buying more than the state required minimum liability coverage (and PIP if you live in a no-fault state). How much auto insurance you need depends on the value of your car and whether or not you’re able to cover your own losses if you’re in an accident. There is also such a thing as carrying too much car insurance. Here’s more on how to determine how much insurance you need. Remember that liability only covers the other driver if you’re at fault. It’s a good idea to compare insurance rates after you decide how much insurance you need.

28. What Is an Auto Insurance Premium?

Your auto insurance premium is the amount you pay each month to keep your insurance active.

29. Why Is My Auto Insurance So High?

If you’re a new driver, you will be paying the highest rates. If you’ve had a DUI or an accident or several accidents, your insurance rate will also be higher.

30. Can I Cancel My Auto Insurance at Any Time?

You should only cancel your auto insurance after finding another auto insurance company. A lapse of insurance can raise your rates dramatically.

31. Does Auto Insurance Cover Medical Bills?

If you’re in an accident that is your fault, your liability insurance will begin to cover medical bills for the other driver and his/her passengers. However, limits are sometimes insufficient so it’s a good idea to buy liability at higher limits. Compare car insurance rates to pay the least amount for the coverage and limits you need to protect yourself.

32. How Much Auto Liability Insurance Do I Need?

Minimum auto liability insurance limits vary by state. However, most minimums are not enough if there is a bad accident with lots of damage and medical expenses. A general rule of thumb in determining how much liability insurance you need is to cover your assets, like a home and other valuable things you own. Compare car insurance rates to get the best deal

33. How Much Is Commercial Auto Insurance?

Rates for commercial auto insurance vary according to several factors, which include the type of use and the value of the insured car(s). On average businesses spend $900 to $1200 for commercial auto insurance coverage. You can save money on costs if you compare commercial auto insurance rates.

34. How to Reinstate Cancelled Auto Insurance

When you reinstate cancelled auto insurance, you’re reactivating the same insurance policy you had previously. To do this, you’ll need to contact the insurance company. If there was no lapse in the coverage, that’s better. Otherwise, your policy will show a gap and may likely raise your rate. If your policy has been inactive for 30 days or more, you may have a hard time reinstating your policy. Regardless of whether or not you can reinstate a previous policy or not, it’s a good idea to compare auto insurance rates to see if you can pay less.

35. What Is an Auto Insurance Quote?

An auto insurance quote is a price estimate for what you’d pay to have car insurance coverage based on the information you give to an agent.

36. What Is the Best Insurance Company for Home and Auto?

Several insurance companies offer bundle discounts to cover home and auto. One company will offer you a better rate than another based on several factors. It’s always a good idea to compare insurance rates to see which company will offer the most savings.

37. Can You Get Auto Insurance Without a License?

You need a valid driver’s license to buy auto insurance. As you can imagine, an insurance company would feel uneasy covering a car for someone who doesn’t have a license.

38. Do All States Require Auto Insurance?

Most if not all states require that drivers carry the minimum liability coverage. Some states require more than others. In no-fault states, you are required to carry PIP insurance.

39. How to Buy Auto Insurance

The best way to buy auto insurance is to compare quotes for the best rate for the best coverage.

40. How to File an Auto Insurance Claim

It’s important to contact your insurance agent after you file a police report, whether the accident is your fault or not. It’s also important to gather information, like the other driver’s name, insurance policy number and insurance company. Give as much information as you can to your agent.

41. How to Save on Auto Insurance

When you compare auto insurance quotes, you usually get the best deal. See if you are eligible for discounts and bundle your home and auto or your renters and auto. If you have business insurance, see if you can get a good deal by bundling that too.

42. How to Shop for Auto Insurance

When you shop auto insurance rates, you fill out a 3-minute survey.

43. What Auto Insurance Companies Offer 12-month Policies?

Many insurers offer 12-month policies. Most, however, renew every six months. After you fill out a brief form here, you will be connected with a licensed agent. If you’re specifically looking for an insurer for a 12-month policy, let them know. Rates do not necessarily go up more with six-month policies.

44. What Does Medical Coverage on an Auto Insurance Policy Cover?

Medical Coverage on an auto insurance policy may help pay your or your passengers' medical expenses if you're injured in a car accident, regardless of who caused the accident. Also called MedPay, this insurance is required in some states but is optional in most other states.

45. Who Pays First Auto Insurance or Health Insurance?

If you have MedPay or Medical Coverage on your auto insurance, it’s highly advised that you use this first before using your health insurance coverage. There’s no deductible for medical coverage on auto insurance and if you use your health insurance first, they may negotiate to be paid back by MedPay anyway.

46. Can You Backdate Auto Insurance?

Backdating auto insurance is a fraudulent activity. Most insurance companies in good standing will never do it.

47. Do Auto Insurance Premiums Increase with Age?

When you first start driving you have the highest premiums due to inexperience with driving. Your rates will drop and be at their lowest between ages 30 and 65. You’ll then see an increase in premium rates.

48. Does Auto Insurance Cover Hail Damage?

If you have comprehensive coverage on your auto insurance policy, you are covered for hail damage.

49. Does Auto Insurance Cover Lightning Strikes?

If your car is damaged as a result of lightning strikes you are covered if you have comprehensive coverage on your auto insurance policy.

50. Does Auto Insurance Cover Scratches?

If you have comprehensive insurance, scratches are covered if they resulted from vandalism. If you have scratches on your car as a result of an accident, collision coverage would cover the scratches.

51. Does Comprehensive Auto Insurance Cover Rodent Damage?

If a rodent damages your car, you are covered if you have comprehensive coverage.

52. How Does Force Placed Auto Insurance Work?

If you bought or leased a car and do not have full insurance while you still owe money on the car, the lienholder can opt to insure the car and you will be billed for it. You never want this to happen because it’s not in the lienholder’s best interest to find you a good rate. Shop car insurance rates and buy your own coverage before this happens.

53. How Long Can Your Child Stay on Your Auto Insurance?

There’s no cutoff age with auto insurance. As long as your child lives in the same house as you, you can continue to keep your child on your insurance policy

54. How Many Types of Auto Insurance Art There?

There are the usual coverages like liability, comprehensive, collision, gap insurance, PIP, and uninsured/underinsured motorist, but some insurers create their own coverage terms as well, such as New Car Replacement.

55. How to Find Someone’s Auto Insurance Information

If you are in a car accident, the other driver needs to surrender their auto insurance information. If they do not, it’s important to take down their license plate number. The police will be able to call up all the necessary information based on the license plate number.

56. How to Lower Auto Insurance Cost

Several factors affect your auto insurance rate. For instance, get married and your rate will drop. Move to a safer neighborhood, find a more stable type of job and improve your credit score for more savings. Even then, it’s important to compare insurance rates to get the best one.

57. How to Maximize Auto Insurance Claim

The most important ways to maximize an auto insurance claim are to follow the rules. This means staying at the scene of the accident, answering police questions, getting a copy of the accident report, taking the other driver’s insurance information, speaking with witnesses and gathering everyone’s information. After doing all this, contact your insurance agent for help.

58. Is Good to Go Auto Insurance Legit?

Good2Go sells policies through member companies and several other partners, so you’re never sure which company you’re getting a quote from. Regulators in several states have found fault with the business practices of the Good2Go brand. Concerns have also been raised about the companies’ financial strength. You’re better off comparing car insurance rates from established companies.

59. What Is Medpay on Auto Insurance?

MedPay is short for Medical Payments, usually an optional coverage on auto insurance, which pays for medical costs in a covered claim.

60. What Is Standard Auto Insurance?

Standard auto insurance usually refers to the state minimum. In most states liability insurance is standard auto insurance. Note that liability insurance only covers the other driver if you’re at fault in an accident.

61. What Is the Best and Cheapest Auto Insurance?

Because different insurers rate individuals differently, it’s hard to say who is the “best” or “cheapest.” To find out which insurer will give you the best and lowest rates, compare auto insurance quotes.

62. When Do I Need to Get Auto Insurance?

It’s illegal to drive a car that is uninsured no matter what. If you have a car that is not insured, it’s important to buy car insurance now.

63. When to Stop Full Coverage Auto Insurance

You have the option of shedding your current coverages down to standard auto insurance coverage after you pay off a car and the title belongs to you. However, if you have the state minimum, you will not be covered for damages to your car if you are at fault in an accident. You are only covered for that if you have collision coverage. You will also not be covered for theft or vandalism without comprehensive coverage. To see if you can keep full coverage but pay less, compare auto insurance rates.

64. Where to Buy Mexican Auto Insurance

If you buy Mexican auto insurance at the kiosks along the way into Mexico you will pay more than you need to. Ask your insurer if they offer Mexican insurance. If not, visit here.

65. Who Is Covered Under My Auto Insurance?

Car insurance usually follows the car, not the driver. This means that if you allow someone to use your car, they are covered unless they are excluded in the policy.

66. Why Auto Insurance Rates Increase

Your auto insurance rate may increase due to many reasons which include car accidents, moving violations, a lapse in coverage, a new job, a change in marital status and more.

67. Will Health Insurance Cover a Car Accident?

If you have Medical Payments, it’s the primary form of insurance for injuries related to a car accident. Health insurance is secondary.

68. What Are AM Best Auto Insurance Company Ratings?

AM Best rates the financial strength of insurance companies. It’s important to be with a financially stable company to ensure a payout in the event of a covered claim.

69. Can Auto Insurance Deny a Claim?

If you are driving illegally or breaking state or federal law, your auto insurance claim may be denied. Or, the damages you are claiming may be disputed.

70. Can I Switch Auto Insurance with an Open Claim?

You can switch auto insurance companies after you file the claim. It’s fine to have an open claim. However, you can not file a claim after you’ve switched insurers.

71. Can You Pay Auto Insurance with a Credit Card?

Yes, you can pay your auto insurance premiums with a credit card.

72. Does Auto Insurance Cover Broken Windows?

If you have comprehensive coverage, you may be covered for a broken windshield and/or broken windows. Only comprehensive insurance covers vandalism. Some policies will cover windows but not the windshield. Also, if the windows broke as a result of an accident, you will only be covered by collision coverage.

73. Does Auto Insurance Cover Mechanical Repairs?

Most repairs due to wear-and-tear are not covered by auto insurance. However, repairs resulting from vandalism or a car accident may be covered. If you’re at fault in the accident, however, you will only be covered if you have collision coverage.

74. Does Auto Insurance Cover Negligence?

In most cases you’re determined negligent if you didn’t do what a prudent driver would do. For example, if you hit a pole to avert hitting a person, you’re not negligent but if you hit a pole because there was a spider in your car, you’d be considered negligent and may have a hard time getting insurance coverage for the accident.

75. Does Auto Insurance Cover Punitive Damages?

Many insurance companies exclude punitive damages or damages caused by bad intentions. Punitive damages can be awarded if the plaintiff can prove that the driver did something that was grossly negligent or intentionally engaged in misconduct.

76. Does Auto Insurance Cover Storm Damage?

Comprehensive coverage usually covers storm damage, so you may be in luck if you have this optional coverage. If not, compare rates with comprehensive coverage here.

77. Does Auto Insurance Go Down When You Retire?

No, age 65 and up, rates usually increase.

78. Does Being Married Affect Insurance?

Yes, marital status affects insurance. Married people are seen as lower-risk drivers. If you haven’t gotten a car insurance quote since you got married, it’s time to see if you can save on car insurance.

79. Does Homeowners Insurance Cover Auto Theft?

If your car is stolen, you are only covered by comprehensive insurance and you need to file a police report to file a comprehensive insurance claim. If your possessions are stolen out of your car, homeowners insurance or renters insurance would cover those items.

80. Does Your Auto Insurance Go Up After a Claim?

In most cases, you auto insurance will go up after you file a claim and you will have to pay a deductible before you’re covered. This is why it’s important to fully consider whether or not you should file a claim.

81. How Do I Get Non Owners Auto Insurance?

You can get non owners auto insurance here. Non-owner car insurance provides liability coverage when you don’t have a car and drive one that isn’t yours. Liability coverage pays for injuries and property damage you cause to others in a car accident. However, it doesn’t cover any damage to the car you’ve borrowed or rented, nor does it pay for any of your own injuries if you cause a crash.

82. How Long Does an Auto Accident Stay on Your Insurance?

Insurance companies usually look at driving records for the past three to five years. However, how long the accident stays on record depends on the severity of the accident and your state’s policies. Some states, like New York, have lifetime records. But the average range for how long an accident will stay on your record is 3 to 13 years.

83. How Many Auto Insurance Claims Per Year Are You Allowed?

There is no limit to the number of claims you file, but your auto insurance company can refuse to renew you. If they do this, you will have a hard time finding another carrier. To save money, find the lowest car insurance rate but don’t file unnecessary claims you can take care of on your own.

84. How to Choose Different Auto Insurance Coverage Amounts

Different people have different coverage needs and need to buy different car insurance products. If you are still making payments on a car you likely need full insurance. Otherwise, you can pick and choose car insurance coverage.

85. How to Fight an Insurance Claim

Your insurance carrier will fight a claim on your behalf if one is filed against you by the other driver but you were not responsible for the accident. Police reports will also be investigated. However, if you file a car insurance claim that is denied, you can fight for an appeal. To do this, you’ll need to understand why it was denied. You’ll also probably need to gather more evidence to back up the legitimacy of your claim.

86. Is a Trailer Covered by Auto Insurance?

In some cases you can add a trailer to your auto insurance but you will likely need to pay a little bit more. If you do not add the trailer to your policy, you may not be covered for damages in the event of an accident. You may also not be covered if the other driver files a claim against you if you are at fault. For more on insuring an RV visit here.

87. What Auto Insurance Doesn’t Credit Check?

Not all states allow credit checks for insurance. In California, Hawaii and Massachusetts for example, credit checks are not used to determine risk. In most states it is used and most insurance companies will run a credit check on you.

88. What Does Collision Mean in Auto Insurance?

Collision insurance pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible of your choosing. Like comprehensive coverage, the higher the deductible, the lower your premiums and vice versa. It, too, is not required by law but is usually required if you lease or finance a vehicle. If you have a collision with another moving vehicle and it was your fault, your liability insurance covers the other driver, that driver’s vehicle and passengers while your collision coverage will cover you, your vehicle and your passengers. The same goes for hitting a parked car, utility pole or street sign. Your collision takes care of you. Liability insurance will never take care of damages to you or your vehicle and passengers. It’s intended to cover your liability for harming the other party in terms of losses. Just as with comprehensive insurance, you can choose a deductible for your collision coverage. The deductible usually ranges between $250 and $1,000 for each accident. Keep in mind that your collision insurance will not pay out for damages until you have paid the deductible amount towards your losses first. Choose a deductible that you’ll be able to afford.

89. What Does Property Damage Liability Auto Insurance Cover?

Property damage helps pay to repair damage you cause to another person's vehicle or property if you are at fault in an accident. It will also cover repairs to public property.

90. What Is an Auto Insurance Card?

An auto insurance card is the same thing as an insurance ID card. You must always carry this card with you when you are driving. An auto insurance card shows the policy number, policy effective dates, vehicles and policyholders. You can also show proof using a digital auto insurance card if your insurer has an app.

91. What Is Bodily Injury Liability Coverage on Auto Insurance?

Bodily injury liability covers the cost of the other driver and all pedestrians and passengers’ injuries in a car accident for which you are found to be at fault. It is one of two types of liability auto insurance. The other covers property damage.

92. What Is Full Tort Auto Insurance?

Some states only have limited tort insurance, some full tort insurance and a few allow you to choose between a full tort or limited tort insurance plan. With a limited tort plan you will only sue the other driver in cases of severe injury. With full tort a driver can sue for pain and suffering, even inconvenience.

93. What Is sdip in Auto Insurance?

Some states like North Carolina and Massachusetts have SDIP programs. SDIP stands for Safe Driver Insurance Plan. SDIP encourages safe driving with lower premiums for drivers who do not cause accidents or commit traffic violations. Ask your local DMV if your state has an SDIP.

94. What Is the Best Auto Insurance for Seniors?

There are many auto insurance companies that offer lower rates for seniors or big discounts to offset costs. It’s important to compare auto insurance options side by side with a reputable agent to see which offers more coverage for less money.

95. What Is the Best Auto Insurance Score?

The best auto insurance score is 900. It is the highest insurance score you can get.

96. What Type of Auto Insurance Covers Hitting a Deer?

In almost all cases comprehensive insurance would cover hitting a deer. However, there have been instances where collision insurance covered it.

97. When Should You Drop Comprehensive and Collision Auto Insurance?

You should remember that comprehensive and collision coverage will pay out the value of the car at most. Are you paying hundreds of dollars for these coverages every year? If your car is worth a thousand dollars, it makes no sense to pay dozens of dollars a month on comprehensive and collision. You’d still have to pay a deductible to get that amount paid out if you total the car or if it gets stolen. Deductibles can cost $500 or $1000. The math makes no sense.

98. Which Auto Insurance Companies Use OEM Parts?

Some insurers don’t offer OEM parts but that does not mean you have to go with aftermarket parts. If OEM is important to you, you can pay the difference between the price of the two options. Or, you can tell an agent who will compare OEM parts insurers’ rates for you.

99. Who Typically Has the Highest Auto Insurance Premiums?

New drivers have the highest auto insurance premiums. Also people with multiple DUI offenses have incredibly high insurance premiums. Driving without insurance can also drive up your rates. It’s important to have car insurance from a reputable agent.

100. Can Auto Insurance Refuse to Pay

If you file a car insurance claim that is denied, you can fight for an appeal. To do this, you’ll need to understand why it was denied. You’ll also probably need to gather more evidence to back up the legitimacy of your claim.

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