Auto Insurance FAQ, Information & Guides

The Auto Insurance FAQs page gives you quick answers to your questions. Find a quote or get the auto insurance information you need now. Let us be your auto insurance guide.

About Insurance.com
Q: What is Insurance.com—and where is it? Read Answer

Insurance.com's Quoting Partners
Q: What companies do you quote when I complete an application? Read Answer

How Driving Records Affect Rates
Q: How do "points" affect insurance rates, and when do insurance companies check driving records? Read Answer

Information Needed for a Quote
Q: What information do I need to get a quote? Read Answer

Is My Credit Report Important?
Q: Why do auto insurance applications include questions asking for credit information? Read Answer

Quick Quotes
Q: Can I just get an estimated rate? Read Answer

Spouses With Poor Driving Records
Q: I'm marrying someone who has a poor driving record. Will my insurance premium go up? Read Answer

The Best Way to Get Quotes
Q: Can I get a car insurance quote online or by phone? Read Answer

VIN and License Numbers
Q: Do I need my Vehicle Identification Number (VIN) or driver's license number to get a quote? Read Answer

Why Do You Need My Credit History?
Q: Is my credit history important when I get a quote? Read Answer

Why Your Vehicle Gets Higher Quotes
Q: Why do certain vehicles cost more to insure than others? Read Answer

Paying for a Broken Windshield
Q: Is a broken windshield covered under my auto policy deductible? Read Answer

Resolving Body Shop Problems
Q: After a car accident, I had my car repaired at a body shop my insurance company referred me to. But I'm not happy with the work—what should I do? Read Answer

What Happens if My Car Is Totaled?
Q: My car was totaled in an accident. Is there anything I can do to get it back or at least get a larger settlement amount? Read Answer

Comprehensive and Collision
Q: What's included in Collision and Comprehensive coverages, and what should my deductibles be? Read Answer

How Much Coverage Should I Buy
Q: What coverage should I buy? And how much? Read Answer

Medical Payments Coverage
Q: If I have health insurance, should I buy Medical Payments coverage? Read Answer

Rental Reimbursement
Q: Should I buy Rental Reimbursement coverage? Read Answer

What Is Gap Insurance?
Q: What is gap insurance and do I need it? Read Answer

What Is PIP?
Q: What is Personal Injury Protection (PIP) coverage? Read Answer

What Is UM/UIM?
Q: Should I buy Uninsured Motorists coverage? And Underinsured Motorists coverage? Read Answer

I Missed My Car Insurance Payment
Q: I forgot to pay my auto insurance premium last month. Will my policy be canceled? Read Answer

Insurance for Non-Car Owner
Q: I live in the city and rely on public transportation, but I occasionally borrow or rent a car for trips to the city. Should I have an auto insurance policy? Read Answer

Insuring Used Cars
Q: I am buying a used car that is worth only a few hundred dollars. Do I need to insure it? Read Answer

Loaning a Car
Q: If someone borrows my car, are they covered under my auto insurance? Read Answer

Should My Dad Still Drive?
Q: Should my 80-year-old father still be driving? Read Answer

What Is No-fault Auto Insurance?
Q: I'm moving to a state with "no-fault" auto insurance—what exactly does this mean? Read Answer

What Is SR-22 Insurance?
Q: What is an SR-22 Financial Responsibility filing? Read Answer

Insurance Needs at College
Q: My child is heading off to college this fall. What insurance issues does this raise? Read Answer

Insuring Your First Car
Q: I'm buying my first car. Can you give me some tips on finding a good insurance company? Read Answer

Insuring a Teenage Driver
Q: My teenager just got his license. How can I insure him without going broke? Read Answer

My Kid Is Taking My Car to College
Q: I am adding my son to my auto insurance policy and he'll be taking one of my cars with him to college. What do I need to do? Read Answer