Compare Auto
Insurance Rates
Find the Lowest Car Insurance Rates!
Enter Your Zip Code

Zipcode

Are you insured? Yes No

Get up to 4 FREE Quotes!
Compare insurance rates from these companies and up to 30 others!

Car Insurance: Everything You Need To Know

An auto insurance policy is an agreement between an insurance company (insurance provider) and a customer (policy holder). The policy holder will pay a fee, or a premium, and the insurance provider will cover the costs of any car-related accidents covered under the terms of the insurance policy. Here are some questions some might have regarding auto insurance.

Is Auto Insurance Really Necessary?

Yes. In fact, in some states, it is illegal not to have any coverage. Many state governments will also allow someone with proven finances to cover payment in case of an auto accident for which they are liable, but most people don't have that kind of money. Auto insurance is protection against sudden a financial hardship caused by a car accident. Even if it isn't required by law, it is still highly recommended, since a good insurance policy will pay the costs of a hospital stay, therapy, and even loss of income, when such is necessary.

Who Is Covered By Auto Insurance?

When the policy is being formed, it includes a list of drivers who will receive coverage for a specific vehicle. It usually includes the main policy holder, the policy holder's spouse, and any other family members of legal driving age in the household, but it can include others who will use the vehicle as well.

What Falls Under Auto Insurance Coverage?

Most states require a driver to have a certain minimal amount of liability insurance. Required liability insurance generally only applies to damages or injuries caused to others, but that is not enough for effective coverage. Different drivers have different needs and there is probably a good policy for each one of them. Following are a few other things insurance might cover:

? The car of the policy holder: It doesn't have to be a single car. Many policy holders have more than one car on the policy. The vehicle can be insured not only against liability but against collision, regardless of fault. There is coverage for vandalism, or such "acts of God" like extreme weather or falling objects.

? The policy holder or the policy holder's passengers: The people inside the car can be covered under the insurance policy as well, so their medical costs can be paid in case of an accident, up to the agreed-upon amount in the insurance policy.

? The policy holder, the passengers, and the car against uninsured or underinsured drivers: This merely covers the costs of being hit by a driver without adequate insurance.

What Causes Changes In The Auto Insurance Premium?

Policy rates are affected by a number of factors, including place of residence, the type of car under the policy, and any safety features the vehicle may have. Previous driving record is almost always a factor, as is age. Older drivers receive a reduced cost, as they tend to be more careful than younger drivers.

Auto Insurance Articles
Ten Tips for Auto Insurance Buyers
Auto Insurance Glossary
Car Insurance: Everything You Need To Know
A Few Important Things to Know About Auto Insurance
Do I need auto insurance?
Is it mandatory to have vehicle insurance
Understanding liability insurance
Auto Insurance Information You Need To Know
The Facts Behind Auto Liability Insurance
Auto Insurance Coverage Is Something You Must Have
Understanding Auto Insurance Claims
Car Accidents Will Happen
No-Fault Insurance (It Does Not Cover Earthquakes!)
DUI's and YOU'
Auto Insurance (Abridged) Glossary of Terms

How to Find Affordable Auto Insurance on the Internet
The Best Auto Insurance Quotes
Looking for Cheap Auto Insurance Quotes?
Comparing Auto Insurance: The Best Way to the Best Policy
A Few Things to Remember When Looking for Auto Insurance
Auto Insurance Online - The New Way to Get Your Vehicle Covered
How to find the best auto insurance
Tips on finding low cost auto insurance
Making Auto Insurance Comparisons Is Important
What You Need To Remember About Auto Insurance Quotes Online
Finding Affordable Auto Insurance
The Search (for Auto Insurance Discounts) Is Over

Just How Much Car Insurance is Required
Five Important Factors That Influence Auto Insurance Premiums
Expensive Cars to Insure
Does Driving a SUV Mean Higher Car Insurance Rates?
Questions About Auto Insurance - You Must Know The Answers To!
Understanding Car Insurance Quotes
Auto Insurance Ratings
Have you read the fine print on your auto insurance terms?
Is it possible to buy good cheap auto insurance and what does that mean exactly?
Don't Be a Claim Duck!
What to Consider When Buying Auto Insurance
Insurance Rate Traits

Some Money-Saving Tips for Auto Insurance
Save Money with Auto Insurance Tips
The Importance of Saving Money on Auto Insurance
Affordable auto insurance - is that possible?
How To Save Money With Auto Insurance
Avoid Paying Too Much for Car Insurance
Is there really a thing such as discount auto insurance?
Saving Money is the Best Insurance Policy
Lower Rates for Your Midlife Crisis Car