Getting Car Insurance

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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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Do auto insurance companies do background checks?

Auto insurance companies put their own money on the line when they offer to insure you, which is why your background is up for grabs as far as they are concerned. You know some car insurance companies check your credit report to determine your risk as a customer. You also know they check your driving...

Auto insurance companies put their own money on the line whe...

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Do car insurance companies check police records?

Insurance agents run a few different reports when they are taking applications for auto insurance. At a minimum, the company will need to review your motor vehicle report, your claims history report, and your license history before any underwriter can adequately assess risk and issue an insurance policy at a fair rate. Another record that...

Insurance agents run a few different reports when they are t...

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How often do auto insurance companies check driving records?

Your driving record speaks volumes about how responsible you are behind the wheel. When you request an abstract to provide information to an insurance company for pricing estimates, what shows up is a lot like what would show up on a high school transcript. If your report is clear, it’s just like getting straight A’s...

Your driving record speaks volumes about how responsible you...

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Can I get car insurance with no title?

A title is legal proof of who owns a vehicle, and is just as important as registration. This can cause a little confusion when it a person goes to purchase coverage, and even though they’re the vehicle owner, their name isn’t shown on the title. However, most auto insurance companies understand that not everyone has easy...

A title is legal proof of who owns a vehicle, and is just as...

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Can you have car insurance in two different states?

Can you have car insurance in two different states? When life takes you to several different states within the course of a year, making sure you have the right car insurance to protect you in the event of a theft or accident can be confusing. Traveling itself can be stressful; tack on a sudden accident...

Can you have car insurance in two different states? When lif...

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Can I get car insurance with a foreign driver’s license?

When you get a visa to work or study in the United States, it’s important to find out the steps that you have to take to get properly licensed to drive a car. Some of the college areas and metropolitan areas around the country have excellent walking paths and public transportation systems, but that doesn’t...

When you get a visa to work or study in the United States, i...

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Can you get car insurance if you owe another company?

As a consumer, it’s important to build a good reputation by paying your auto insurance bills on time. If you’re paying for a service or you’re financing a product, failing to make the agreed-upon payments by the due date could have a serious effect on your creditworthiness. Can I get car insurance if I owe...

As a consumer, it’s important to build a good reputati...

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Can I insure my car under my dad’s name?

Purchasing insurance coverage for multiple vehicles under one policy is nothing new. A lot of customers take advantage of the benefits that come with sharing a policy. However, each insurance provider has different rules and stipulations that go along with multi-vehicle policies, some of which may not work for your needs. So a word of...

Purchasing insurance coverage for multiple vehicles under on...

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How far back do auto insurance companies look?

If you have a blemished driving record, you may be worried about how it will affect your auto insurance premiums and how long it will stay on your record. An insurance company does tend to take your driving history as well as your credit score into account when setting you up with a policy. High-risk...

If you have a blemished driving record, you may be worried a...

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Does a car insurance company drug test?

There is probably no chance that you would ever be required to take a drug test in order to get a car insurance policy. If you are taking out a health or life insurance policy, this may be a different story because having blood work done is a very typical requirement for those types of...

There is probably no chance that you would ever be required ...

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Does your car insurance and registration address have to match?

When you buy car insurance, it’s not only important to buy the right type of car insurance coverage, it’s also important to structure your policy right. Does your car insurance and registration address have to match? What is good car insurance coverage? Knowing this is the key to getting the right policy for you. Car...

When you buy car insurance, it’s not only important to buy...

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Does my name have to be on insurance card?

Does my name have to be on the insurance card? What happens if your name is not on the insurance card? Auto insurance is something that you must purchase and maintain when you own a vehicle. You’re required to carry proof of insurance with you at all times. In most states, proof comes in the...

Does my name have to be on the insurance card? What happens ...

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Does my cosigner have to be on my car insurance policy?

Sometimes, given a person’s income, credit score, or any other number of reasons, they may not be able to purchase a car on their own. The good news is, the majority of the time a business will allow a buyer to have a cosigner. But then you might be asking, “does my cosigner have to...

Sometimes, given a person’s income, credit score, or a...

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Do car insurance companies check your employment?

Several factors impact your insurance rates, and what you do for a living is only one of them. But do car insurance companies check your employment? When companies calculate your accident risk factors, they take into consideration everything from where you work to your credit score. Do car insurance companies check work history? No. They...

Several factors impact your insurance rates, and what you do...

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