Insurance Answers

• Do I need motorcycle insurance to register my motorcycle?

  Motorcycle Insurance Requirements in Each of the 50 States Motorcycle registration requirements vary by state, and this includes providing proof of motorcycle insurance. Most states require proof in the form of an insurance identification card provided by insurance companies. If you're in the ma ...

• Will my auto insurance carrier notify the state if I cancel my policy?

  Your state of residence dictates whether you or your insurance company notifies the DMV; car insurance providers do not set this policy. If you're unsure of your state's law regarding car insurance notification, contact either your local DMV or insurance agent. It's a good law to know, especiall ...

• Motorcycle Insurance Guide

  You might think earning your motorcycle license is the last step to easy riding, but it isn’t; before you hit the roads, you need to protect yourself and your bike with motorcycle insurance. A motorcycle insurance policy covers many of the same areas a regular auto insurance policy covers; ...

• What is the penalty for driving without insurance?

  You don't want to find out the penalty for driving without insurance while behind the wheel. The penalty will be severe. Penalties vary by state. In Delaware, for example, your license will be suspended for six months and you'll get hit with a minimum $1,500 fine. While in Utah, driving without ...

• Top 10 Ways To Save Money On Auto Insurance

  Getting Car Insurance Discounts To get the most discounts on auto insurance, you might have to do a bit of legwork yourself and not just depend on your insurance broker. 1. Obtain at least three different quotes from different companies. This will allow you to choose from a variety of auto insur ...

• How do I add a vehicle to my car insurance policy?

  Adding a vehicle to your car insurance policy is a fairly uncomplicated procedure; however, as always, the process for doing so varies from company to company and state to state. In most cases, it may be easiest to call your car insurance company as opposed to going online, since you will need t ...

• What if my loan was more than my car insurance company says my car is worth?

  Sometimes car insurance companies determine that vehicles are worth an amount that is less than the current amount of the loan the consumer has for the lease or purchase of the vehicle. There are several reasons for this, such as interest rate increases, rebates that did not apply to the purchas ...

• Does car insurance pay for my medical bills?

  Car insurance in most states requires that the driver carry some form of personal injury coverage or PIP. This coverage is typically called a no-fault coverage wherein medical expenses are covered regardless of who is at fault in the accident. However, the car insurance company determines what ...

• Why is it harder to get car insurance with a bad driving record?

  If you have a bad driving record you may notice that your current auto insurance rates go up, and your insurer may even decide not to renew your policy. When you go to shop for a new car insurance policy, you may also find that it is difficult to find another car insurance company to insure you. ...

• Do car insurance companies share my information?

  Car insurance companies do not directly share your personal information with each other. However, reporting claims that you have made to a national database known as C.L.U.E. (Comprehensive Loss Underwriting Exchange) is a possibility. Updating new claims becomes part of your claim history, and ...

• At what age does car insurance go down?

  For the young, turning a certain age can mean the possibility of driving a car and all the joy that can bring. If you are a male between the ages of 18 and 24, however, you will generally pay more for car insurance than a female of the same age. So when do car insurance rates equal out for men a ...

• Do I have car insurance coverage for a rental car if I get in an accident?

  You might assume your car insurance policy will cover a rental car if you are ever in an accident, but this is not always the case. Rental car coverage does not automatically come with all car insurance policies. If another driver is at fault for the accident, their insurance policy may cover yo ...

• Do car insurance companies look at my driving record?

  Yes. A few significant factors go into setting insurance rates. Vehicle replacement costs and the costs to repair the vehicle are the first key factors in setting premiums for auto insurance. Liability is the next major factor that is assessed, and it is based on an individual’s driving hi ...

• Is a broken windshield covered through my car insurance?

  Your car insurance policy may or may not cover a broken windshield depending on what state you live in and what type of coverage you have purchased. Some states require that drivers purchase comprehensive car insurance with a deductible that explicitly includes full windshield or glass coverage. ...

• Are Jeep Cherokees among the most commonly stolen vehicles?

  Jeep Cherokee and Car Theft On average, around one million cars are stolen annually in the United States, and the Jeep Cherokee sometimes makes the Top Ten list. In 2008 and 2009, for example, the 1996 Jeep Cherokee/Grand Cherokee was the seventh most stolen vehicle in the nation; but, not one J ...

• What factors may affect my car insurance premium?

  Multiple factors are used when determining auto insurance premiums. This is why your rates may be different from a friend or family member’s rates, even if you have the same coverage amounts for the same type of car and you both have similar driving records. Car insurance companies typica ...

• How do I make insurance claims?

  Regardless of who was at fault, drivers should file claims with their insurance companies as soon as possible after an accident. It is important that you have a phone number for your insurance agent that you can call. You will need to find out if you are covered for the loss and let your insura ...

• Where can I find a list of insurance codes?

  This can be a little tricky, and take some work. Insurance codes are assigned by each state to every company authorized to sell insurance within their state. (The state department of insurance decides which insurers can operate within their state.) You may need to know this information, for exam ...

• What is the auto insurance cost per 1 point on my driving record?

  The auto insurance industry, and the individual insurance carriers, will decide what the auto insurance cost per 1 point is. The exact cost of car insurance depends on a variety of factors, such as the make and model of your car, your age, and your state. In some cases, the more points you hav ...

• What are the most frequently stolen vehicles?

  The National Insurance Crime Bureau’s (NICB) most recent “Hot Wheels” stolen vehicles report is from 2008. Auto thefts were highest in 2008 for these top ten cars: Honda Accord (1996) Chevrolet Conventional Cab 4x2 (1989) Ford F150 Pickup (1998) Chevrolet Caprice (1991) Olds ...

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