Car Insurance Frequently Asked Questions

Here are answers to some common questions about car insurance.

  • What factors affect my car insurance premium?

    Your premium depends on several factors, including your driving record, age, vehicle type, location, credit history, and how often you drive. Insurers also consider past claims and coverage levels when determining your rate.

  • What’s the difference between comprehensive and collision coverage?

    Comprehensive coverage pays for damage caused by non-collision events such as theft, fire, vandalism, or weather-related incidents. Collision coverage, on the other hand, pays for repairs if your car is damaged in an accident with another vehicle or object.

  • Do I really need uninsured or underinsured motorist coverage?

    Yes, it’s strongly recommended. This coverage protects you if you’re hit by a driver who has no insurance or too little insurance to cover your damages. It can pay for medical expenses, lost wages, and repairs.

  • Will my insurance cover me if I use my car for business or ridesharing?

    Most standard car insurance policies don’t cover commercial use. If you drive for business, make deliveries, or use rideshare services like Uber or Lyft, you’ll likely need an additional policy or a rideshare endorsement.

  • How can I lower my car insurance costs?

    You can reduce your premium by maintaining a clean driving record, increasing your deductible, bundling policies, installing safety features, or taking a defensive driving course. Many insurers also offer discounts for low mileage or safe driving habits.