Car insurance frequently asked questions

Buying car insurance doesn't have to be difficult, but there are many personal situations that may determine the coverage you need on your policy. The following list of frequently asked questions addresses some of those situations and gives some tips on how to buy the right car insurance coverages.

I'm thinking of buying my car insurance online and was wondering which is better: GEICO or Progressive?  Read answer

I have a Ford F-150 and just got my State Farm policy renewal. My rates went up over 10% and I didn't have any accidents or claims. How can I find cheaper F-150 insurance rates?  Read answer

My policy is renewing and my rates increased by over $100 compared to the last term. How can I find cheaper car insurance rates?  Read answer

When should I drop full coverage on an older vehicle on my car insurance? I have an older car on my policy and was wondering when I should drop the physical damage coverage from my car insurance. Is there a guideline to go by?   Read answer

How long will a DUI affect my car insurance rates? I recently got a DUI and was wondering how long the DUI conviction will have an impact on what I pay for car insurance.  Read answer

How do I switch car insurance companies? I just received my car insurance renewal and my rates went up by over $200 and I didn't have a claim or ticket. What's the easiest way to find and switch to a new company?  Read answer

How much will my car insurance be? Is there any way to know how much my coverage will cost with other companies?  Read answer

How much will my car insurance rates increase with a teen driver? My son is turning 16 in a couple months and I want to brace myself for sticker shock when my car insurance renewal comes.  Read answer

I received a DUI a few months ago and as part of my conviction I have to file an SR-22. My current car insurance company doesn't insure drivers with DUI convictions, so where can I find DUI car insurance?  Read answer

How can I determine how high to set my collision and comprehensive coverage deductibles when buying car insurance?  Read answer

With so many car insurance companies to choose from, how can I make a fair comparison without buying into their advertising and marketing ploys?  Read answer

What's the easiest way to compare car insurance quotes? It seems like every company claims to be able to save me money, but I don't know where to start!  Read answer

I tore off my driver's side mirror backing out of my garage. Is that covered by my car insurance policy?  Read answer

My car was stolen from my apartment parking lot. Does my car insurance policy cover theft?  Read answer

How much does where I live impact my car insurance rates?  Read answer

Can I save money on car insurance by letting my teen drive with liability coverage only?  Read answer

I was involved in an at-fault car accident last month. How much will my car insurance rates increase?  Read answer

Can GEICO really save me 15 percent on my car insurance in 15 minutes?  Read answer

What is an SR-22 filing? I was convicted of DUI and my state DMV is requiring an SR-22 filing.   Read answer

I'm moving out-of-state and wanted to keep my current insurance agent. What regulations determine if I can keep my current car insurance agent or if I have to find a new one?  Read answer

Should I file a claim to replace my cracked windshield? I've heard that filing a windshield claim can raise my car insurance rates higher than what the claim amount would be.  Read answer

I accidentally backed over my mailbox. Will my car insurance pay to fix my mailbox and the dent in my bumper?  Read answer

Can I insure my new fifth-wheel camper on my car insurance policy? Or do I need a special camper or RV policy?  Read answer

Are car insurance quotes free? How many do I need to get a good price comparison?  Read answer

Someone broke my car window and stole my laptop and case. Does car insurance cover theft of my personal belongings from my car?  Read answer

I got a rock chip in my windshield on the way home from work yesterday. Does my car insurance pay for rock chip repair or will I have to get a new windshield? And will I have to pay a deductible to get my windshield fixed?  Read answer

I live in an area with a lot of car theft. How can I help prevent my car from being stolen?  Read answer

I left my keys in my car's ignition and the doors unlocked. The car was stolen and wrecked. Will my car insurance pay even though I left the keys in my car?  Read answer

What is gap insurance coverage and do I need it for my new car?  Read answer

My 18-year-old son bought a 2005 Honda Accord and was involved in a minor accident two days later. We hadn't notified our car insurance company yet and we were told he had no coverage because it was titled in his name only. Is this right?  Read answer

My car's front bumper and hood needed replaced after an accident and my car insurance company required the body shop to use aftermarket parts. Are aftermarket parts as good as OEM parts?  Read answer

Can I get lower car insurance rates if I live close to my work? It's only about a 2 mile drive and it seems unfair to have to pay full commute rates when I live so close.  Read answer

Does my car insurance policy cover me when I get a rental car on vacation? The car rental company's insurance is expensive and I don't want to buy it if I don't have to.  Read answer

I had my car in the repair shop and when the mechanic took it for a test drive he backed into a telephone pole. Does my car insurance cover this?  Read answer

I just had an expensive portable GPS navigation unit and some CD's stolen from my car. Is that something I can turn in on my car insurance policy?  Read answer

I live in northern Michigan and it gets REALLY cold in the winter. My radiator fluid froze overnight and it caused my engine to overheat and crack the engine block. Why won't my car insurance cover it?  Read answer

I use my 2006 Dodge Grand Caravan to car pool to work with co-workers. Am I covered if I get into an accident while car pooling?  Read answer

I borrowed my neighbor's riding lawn mower and accidently back into it with my car. My insurance company said there was no coverage for the riding mower. Why?  Read answer

What are the most frequently stolen cars in the U.S.?  Read answer

My family and I are planning a trip to Mexico. Does my car insurance policy provide coverage when we drive a car in Mexico?  Read answer

What is Underinsured Motorists coverage? Why do I need it?  Read answer

I don't own a car because I can borrow my friends' and roommate's cars to drive. So I don't have any need for my own car insurance, right?  Read answer

My employer furnishes a car for me to drive. Does my personal auto policy provide any liability coverage if I'm in an accident in my work car?  Read answer

How can I save money on my car insurance? I don't drive fancy cars and my kids are out of the house but my car insurance premiums just keep going up!  Read answer

I'm buying my car insurance online but I don't know what limits to use. How much car insurance do I need?  Read answer

I just received my car insurance renewal and the premium went up almost 10%. I didn't have any speeding tickets or accidents, so what's with the big price increase?  Read answer

I know car insurance pays to fix my car after an accident, but what else is covered by a basic auto insurance policy?  Read answer