Car Insurance Resources

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Does car insurance cover damage on private property?

The way your car insurance company deals with a car accident depends on the nature of the crash. The vast majority of auto accidents occur on public property, however, accidents that occur on private property are unique situations. It’s difficult to assign fault on private property, such as parking lot accidents. Police often won’t respond...

The way your car insurance company deals with a car accident...

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What do I do with a totaled car and no insurance?

If you do not have car insurance and get into a car accident, you are responsible for all of the expenses incurred during the accident. This means that you must pay for both your car repairs and medical bills and the other driver’s car repairs and medical bills. If you have no collision coverage on...

If you do not have car insurance and get into a car accident...

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Once I buy a policy, will I ever need to change my insurance coverage?

There are many reasons you might want to switch to a new insurance company. From cheaper prices to bad customer service experiences, people switch their insurance every day. The good news is that it’s relatively easy to find insurance coverage elsewhere, with the exception of your health insurance. Car insurance companies, in particular, may reward...

There are many reasons you might want to switch to a new ins...

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What does it mean when a policy is ‘fully paid up?’

Everyone is looking for some bit of certainty to grasp onto these days, and when you buy fully paid-up car insurance, you can be certain that you’ll have the coverage you need for your entire policy period. A car insurance policy that has been paid in full requires you to make one large payment when...

Everyone is looking for some bit of certainty to grasp onto ...

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If I want to add a driver or vehicle to my insurance, do I need to start a new policy?

We know that understanding car insurance information can be complex. If you’re wondering, How do I add a driver or vehicle to my insurance?, you’ve come to the right place. We have the information you need to make a decision. Is adding someone to car insurance temporarily an option? Does adding a driver increase your...

We know that understanding car insurance information can be ...

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How do I know if I chose the right coverages?

It might sound glib to say, “If you need to buy car insurance, choose the right coverage for your vehicle and your needs,” but buying more than what you need can put a serious strain on your bank account. When you learn how to choose the right car insurance coverage, you’ll be a step ahead...

It might sound glib to say, “If you need to buy car in...

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How does the insurance company determine my premium?

Everybody needs insurance, but not everyone understands how insurance companies calculate their premiums. Whether it’s life, home, health, or car insurance, companies use a standard formula to calculate how much you’ll pay for your coverage. That won’t help you feel any better if you’re receiving insurance rates that you think are too high. However, your...

Everybody needs insurance, but not everyone understands how ...

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Can I add or remove coverages in the middle of my policy?

You may not realize it but your homeowner’s insurance policy is an important insurance tool that can be re-calibrated to your needs at a moment’s notice. With today’s technology, you can even adjust your coverage limits via your insurance company’s website or through the company’s mobile app. There are even insurance companies that offer an...

You may not realize it but your homeowner’s insurance poli...

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How quickly do changes I make to my policy go into effect?

Drivers everywhere will be happy to learn that a car insurance policy can be changed or updated at any point. You can raise your coverage limits or reduce coverage if you sell one of your cars. If you have considered running an Internet search for “how to change my insurance plan,” you should be quite...

Drivers everywhere will be happy to learn that a car insuran...

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What is a car insurance deductible and how does it work?

What is a deductible for car insurance, and how does a car insurance deductible work? In short, a car insurance deductible is relative to how you deal with insurance after a car accident. Your car insurance deductible is one cost that falls upon you, along with your normal rates. To borrow a term from health...

What is a deductible for car insurance, and how does a car i...

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Does full auto coverage cover everything?

Does full coverage car insurance cover everything? In short, no insurance policy will cover you 100% in all situations because you will have out-of-pocket costs in many scenarios. That said, you might need full coverage depending on your state and car insurance needs. To start, you need to know what full coverage car insurance means....

Does full coverage car insurance cover everything? In short,...

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How much insurance coverage do I need?

Car insurance is required in most states, but the amount you need and the types of coverage you must buy may vary by location. The amount of coverage you need may also differ based on your financial situation. If you’re wondering, “How much insurance coverage do I need?” read below to learn more about coverage...

Car insurance is required in most states, but the amount you...

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How do insurance companies value cars?

After your car is damaged in an accident, your insurance company may either reimburse you to help repair it or pay you the car’s value. But, it may not be as much as you think. The amount your insurance company pays you depends on what they determine to be the value of your car. So,...

After your car is damaged in an accident, your insurance com...

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One-Week Car Insurance Companies

” One-week car insurance can be needed for a variety of reasons and is surprisingly easy to find. Many drivers don’t realize it is possible to get car insurance in short-term increments as needed. In fact, most major car insurance companies will allow drivers to purchase a temporary auto insurance policy that can last anywhere...

” One-week car insurance can be needed for a variety o...

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If I sell my car, is my insurance still valid?

If you sell your vehicle, it’s your duty to cancel your auto insurance as soon as the ownership shifts to someone else Your car insurance when selling a car won’t protect the new owner after a bill of sale is signed If you don’t cancel your coverage on a vehicle that you have already sold,...

If you sell your vehicle, it’s your duty to cancel you...

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Can my moped be covered under my car insurance?

The question can my moped be covered under my car insurance is definitely valid since most people are not sure. Mopeds have certain speed capabilities and have motors, which makes them motor vehicles. The ease of acquiring great car insurance rates begins by entering your ZIP code into the FREE toolbox! Mopeds are sort of in...

The question can my moped be covered under my car insurance ...

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The Facts About Car Insurance Coverage: Who’s Covered and Who’s Not

There are several different types of driver’s licenses, and you may find it surprising that you can buy car insurance with any of them, or even with no driver’s license at all! You’re still a valid driver if you have a permit. But non-licensed drivers can also get insurance, which means they don’t need permits...

There are several different types of driver’s licenses, an...

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How to Check When My Car Insurance Runs Out

As an experienced driver, you may be well aware that most states require drivers to maintain a minimum amount of auto insurance, and you can face legal penalties if you are not properly insured. You can also face penalties from your lien holder if you’re financing a vehicle and fail to maintain proper insurance. You...

As an experienced driver, you may be well aware that most st...

Denver Colorado downtown with City ParkPost

Colorado Car Insurance Driver’s Guide [Coverages + Advice]

Whether you’re a current resident of Colorado or considering a move to the Centennial State, you have a lot going on. With world-class skiing and snowboarding, abundant state and national parks, a thriving craft beer scene, legalized marijuana, and teams in every major league (NBA, NFL, NHL, MLS, and even major league rugby and lacrosse),...

Whether you’re a current resident of Colorado or consi...

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Does lowering your car affect insurance?

Have you ever been tempted to tune up your car engine? Have you thought about adding some extra headlights? How about kitting out your vehicle with a new set of alloy wheels? Modifying your vehicle is an excellent way to personalize it, or even boost its performance. The downside is that modifying your car can...

Have you ever been tempted to tune up your car engine? Have ...

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