Which is better, comprehensive coverage or collision coverage?


Question: Which is better, comprehensive coverage or collision coverage? Answer: Both types of auto insurance coverage are popular because both cater to specific types of drivers. Comprehensive coverage is best when there is a high risk of your car being stolen or accidents such as fire are covered. On the other hand collision coverage is [...]

» Read More

Is my driving record taken into account for the auto insurance rates?


Question: Is my driving record taken into account for the auto insurance rates? Answer: Yes, an applicant’s driving record is in fact, one of the most important factors that will affect insurance premium. Note that all insurance companies will collect data and evaluate the information they get from state offices regarding accidents in your local [...]

» Read More

What happens if I am uninsured and still drives my car?


Question: What happens if I am uninsured and still drives my car? Answer: The answer will depend on what state you are in. In certain states, uninsured car owners are subjected to harsh punishment or heavy penalties if they are caught driving with an insurance coverage. Such state where minimum insurance coverage is mandatory will [...]

» Read More

Can I transfer the auto insurance coverage to another person who drives my car?


Question: Can I transfer the auto insurance coverage to another person who drives my car? Answer: Usually, auto insurance owners are not allowed to transfer their coverage to another person. However, some insurance companies allow his or her spouse for the insurance coverage other than the car owner. If asked, make sure to include all [...]

» Read More

Does my credit scores and reports influence my car insurance?


Question: Does my credit scores and reports influence my car insurance? Answer: One of the primary files that insurance companies checks is your credit scores and credit reports because these files contains the history of your financial standing. For insurance providers, there’s more to these documents than just figures. Through your credit scores and reports, [...]

» Read More

How much car insurance coverage do I need?


Question: How much car insurance coverage do I need? Answer: Car insurance coverage is a vital factor in your car insurance because this is where your claims will depend in the event that you do meet an accident. You are likely to be faced with a lot of options once you apply for car insurance. [...]

» Read More

Do I need to file a car insurance claim each time I get involved in an accident?


Question: Do I need to file a car insurance claim each time I get involved in an accident? Answer: It is not necessary to file for a car insurance claim every time you get involved in an accident, more so if the accidents are extremely minor ones. Doing so will eventually increase your premium. Before [...]

» Read More

State Farm Logo Metlife Logo Mercury Insurance Group Logo Nationwide Logo All State Logo Liberty Logo