FAQ

Navigating car insurance is simpler than you think. Whether you’re buying coverage for the first time or checking your policy details, this page answers drivers’ most frequent questions. From quotes to policy changes, you’ll get clear, helpful answers to support your insurance decisions.

What is car insurance and what does it cover?

Car insurance helps cover financial losses after vehicle-related incidents. Basic policies include liability (for injuries or property damage to others), and optional protections like collision (damage from crashes) and comprehensive (damage from theft, weather, or animals).

What doesn’t car insurance cover?

Policies usually don’t pay for routine maintenance, wear and tear, intentional damage, or business use unless you’ve added specific coverage. Custom features and commercial use often require separate protection.

Do I need to list every driver on my policy?

You must include all licensed drivers in your household, including spouses, children, roommates, and frequent non-residents. Failing to do so could cause denied claims or cancellation.

Are occasional drivers covered?

Yes, most policies allow for occasional use if the person has your permission. Frequent drivers should be listed to avoid issues.

How do I choose the right coverage?

Start with your state’s minimum. Then consider your vehicle’s value, how often you drive, and whether you can afford higher deductibles. If your car is financed, your lender may require more protection.

What is a deductible?

This is the amount you pay before your insurer contributes to a repair. Higher deductibles usually lower your monthly cost, while lower ones reduce what you pay after a claim.

Will my premium go up if I file a claim?

You can reduce costs by comparing quotes, increasing your deductible, removing unneeded coverage, driving safely, and taking advantage of available discounts.

What types of discounts are available?

Common discounts include bundling, low mileage, good student, vehicle safety features, paying in full, and using automatic payments.

Will my policy automatically renew?

Yes, most policies renew unless you cancel or switch. You’ll receive a renewal notice with updated terms. Always review it to make sure it still fits your needs.

Can my premium increase during my policy term?

Usually not, but it might if you add a driver, change your address, modify your coverage, or remove a discount you previously qualified for.

What are policy limits?

These are the maximum amounts your insurer will pay per person and per accident for injuries or property damage. If damages exceed your limits, you’re responsible for the rest.

Do I need extra coverage for custom parts or upgrades?

Yes. If you add a sound system, truck cap, or any non-factory equipment, talk to your insurer. You may need custom parts coverage to protect those items.

Do different insurers offer the same coverage?

No. While basic coverage is similar, optional benefits, pricing models, and discounts vary. Always read the details and compare quotes from several providers.

What happens if I cancel my policy early?

You can cancel anytime, but you might pay a small fee. If you’re switching, have your new policy start immediately to avoid a gap in coverage.

Do I need special coverage for rideshare or delivery driving?

Yes. Personal policies typically exclude business use. You’ll need a rideshare endorsement or a commercial policy to be fully protected.

What is gap insurance?

Gap insurance pays the difference between your car’s loan balance and its market value if it’s totaled. This is helpful if you lease or recently financed your vehicle.

Is roadside assistance included?

Not always. Some policies include it, but in other cases, you need to buy it as an add-on. It covers services like towing, jumpstarts, and flat tire help.

When should I update my car insurance policy?

Update your policy after major life changes like moving, buying a new car, adding a driver, or changing your vehicle’s use. Keeping your policy current prevents denied claims.