There are many factors that determine the rate you pay for your car insurance. One of the larger criteria is where you live.

Let’s take a look at some of the location-specific elements that may have an impact on your car insurance rates.

Years ago, the only way to buy insurance was through a local insurance agent. Even small towns had multiple agencies that often competed directly across the street from each other. There was no internet, no online quotes and no way to contact many companies except through an agent.

Boy times have changed.

There are many types of trailers that you can pull behind your car, SUV or pickup truck.  Most car insurance will extend liability coverage to the trailer being pulled by your vehicle.

However, if the pulling vehicle is in commercial use, such as a contractor or farmer, and you have commercial vehicle insurance on the towing vehicle, liability MAY NOT extend to the trailer being towed.

The Ford Focus is one of the top-selling cars in America. Finding affordable insurance for your Ford Focus can be easy if you know how to shop for car insurance online.

Starting at around $16,600, the Ford Focus is a very affordable vehicle, so it’s not surprising that it’s one of the best-selling cars.

Car insurance for the four best-selling pickup truck models, the Ford F-150, the Chevrolet Silverado 1500, the Dodge Ram 1500 and the Toyota Tundra, can be surprising affordable.

Consumers have long had a love affair with the pickup truck due to the versatility, the cargo space, and just the manly man feeling of driving one down the road.

Teenage driver insurance coverage is notoriously pricey. Obtaining teen driver insurance policies is similar to finding insurance for high risk motorists. DUI along with teen driver insurance are called high risk insurance plans. Not all teen drivers will be considered high risk, but if your child has prior accidents or moving violations, there’s a good change that they will require the more expensive policy.

This question is asked by almost every consumer who buys car insurance and has a vehicle that may be 5 or more years old.

At some point, you begin to wonder if the cost of full coverage car insurance is worth it since you may have never had a claim on that car.

The first step in making this decision is to get an accurate vehicle value from a service such as Kelley Blue Book.

In order to license your car, you must prove your financial responsibility by providing proof of liability insurance to your state licensing department.

What are you required to carry liability insurance on your car?

It’s really quite simple. Liability insurance protects OTHER people when you drive your car. So imagine a society where no liability is required in order to drive a 5,000 pound vehicle at 75 miles an hour.

You may have heard the term ‘deductible’ used by your agent or car insurance company, but maybe you never knew exactly what it meant until you had a claim.

A deductible is essentially the amount of money you agree to pay BEFORE your insurance company will pay any portion of a claim.