Auto Insurance Frequently Asked Questions (FAQ)

At, we get asked a lot of questions about car insurance.  Here are some of the commonly asked questions (and the answers we provide).  Click on one of the links below to be brought directly to your question, or start reading from the top.

frequently asked questions about car insurance

Is it required that I have auto insurance?

In most cases yes. Laws surrounding auto insurance are dictated  by state law, and most states do require that you have some form of auto insurance. The amount of coverage varies from state to state so be sure to check for your particular situation.

What is the difference between collision and comprehensive coverage?

Collision coverage only covers you in situation involving a collision. Comprehensive coverage, on the other hand, protects you against theft, vandalism, water damage, and other non-collision incidents. Comprehensive coverage does NOT include collision coverage, the name deceives many people.

auto insurance FAQ

Common questions about the confusing subject of auto insurance.

Does my driving record affect my auto premiums?

Your driving record is arguably the most important thing auto insurance companies use when determining your premium costs. Your driving record isn’t the only thing they take into consideration though. Your age, credit score and history, time on the road, and many other statistics play a major role.  Read more about how your driving record affects your rates here.

My son/daughter just got their learning permit, do they need to be insured?

Those with learning permits are not required by law to have auto insurance. For extra protection, however, it may be a good idea. Some auto insurance companies will cover permit drivers under your current plan. However, the day they get their license, you should sign them up for car insurance coverage immediately.

How often do I have to pay my premium?

The amount of money you pay upfront must be at least enough coverage for a month, but many insurance companies offer discounts for 6 month down payments, and even better discounts for 1 year agreements.

My driving record is really bad, can I still get insurance?

No matter how bad your driving record, there is always an auto insurance company there to provide you with coverage. Of course, you’ll have to pay more than someone with a clean driving record, but it still is not hard to find coverage. Check out our auto insurance quote tool, and we’ll find a insurer for you in no time.  Alternatively, you can read about high risk auto insurance here.

Can I get auto insurance quotes for free?

Absolutely! If you are advised to pay for a credit report, turn around, and don’t look back. Auto insurance quotes are a service to you, not the insurance companies. Our tool is 100% free, and we provide you with multiple options. You will also find that getting quotes online will get you much better premiums.

Can I sign up multiple people under the same policy?

This is actually fairly common practice. Not only is is doable, but you will also get a better rate than if you were to insure each person individually.  Read more about the advantages of having all of your family members on the same policy here.

Any additional questions?

Please look at our additional FAQ to get answers for any site-related questions you may have. Otherwise, take a look at some of the FAQs from other sites:

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