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F.A.Q. - Frequently Asked Questions

What is auto insurance?How does work?

This is a quick and easy. The consumer provides your details through our site and we connect to the systems of our partners and display to you the cheapest prices and best rates from leading insurance companies.

What is auto insurance?What is auto insurance?

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

What is covered by a basic auto policy?What is covered by a basic auto policy?

Can I drive legally without insurance?Can I drive legally without insurance?

NO! Almost every state requires you to have auto liability insurance. All states also have financial responsibility laws. This means that even in a state that does not require liability insurance, you need to have sufficient assets to pay claims if you cause an accident. If you don’t have enough assets, you must purchase at least the state minimum amount of insurance. But insurance exists to protect your assets. Trying to see how little you can get by with can be very shortsighted and dangerous.

If you've financed your car, your lender may require comprehensive and collision insurance as part of the loan agreement.

Do I need insurance to rent a car?Do I need insurance to rent a car?

When renting a car, you need insurance. If you have adequate insurance on your own car, including collision and comprehensive, this may be enough.

Before you rent a car:

Contact your insurance company. Find out how much coverage you have on your own car. In most cases, the coverage and deductibles you have on your personal auto policy would apply to a rental car, providing it's used for pleasure and not business. If you don't have comprehensive and collision coverage on your own car, you will not be covered if your rental car is stolen or if it is damaged in an accident.

Call your credit card company. Find out what insurance your card provides. Levels of coverage vary.

Do I need to purchase the collision damage waiver from the rental car agencyDo I need to purchase the collision damage waiver from the rental car agency?

For the best overall protection, Yes. However, if you have other-than-collision (often referred to as comprehensive) and collision coverage on at least one vehicle on your auto policy, then your policy will cover your rental vehicle as though it were your own. The deductible(s) on your policy will apply to the rental car. Your auto policy will not pay for any extra charges the rental agency may apply, such as loss of use or administrative fees. In addition, there may be a difference of opinion between the rental agency and your insurance company regarding the value of the rental car in the event of a total loss. Concerning any benefit you may gain from charging the rental car with your "gold" credit card, the charge card only responds as excess over any other available insurance. Furthermore, the "gold" card may not pay for loss of use of the rental car and administrative fees in the event of a loss to the rental car. You should always clarify coverage with your agent and be sure you understand the rental agency's contract.

Why does the driving record of members of my household affect my rates if they do not drive my car?Why does the driving record of members of my household affect my rates if they do not drive my car?

Auto policies are heavily regulated by the state you live in and most situations require insurance to pay no matter who's driving your car. If the insurance company only had to pay for losses involving the listed drivers then they would only be concerned with the driving records of the listed drivers because all others would not be covered.

Should I buy collision coverage on my ten year old car?Should I buy collision coverage on my ten year old car?

The answer depends on many factors. Compare how much your car is worth versus the cost of collision coverage plus your deductible. You can get an estimate of how much your car is worth from the "blue book" or N.A.D.A. which can be found at book stores and libraries. If you have not transferred the collision risk to an insurance company by buying collision coverage, you are assuming the entire risk yourself. Sometimes the collision coverage may seem expensive, but it should be purchased if you could not afford to absorb the total loss of the value of the car. Remember collision coverage responds to damage to your car only. If it is the other party's fault their policy will pay for damages to your car and there is no deductible.

Must I have auto insurance?Must I have auto insurance?

- Yes. If you have one or more vehicles.

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