Frequently Asked Questions about Auto and Car Insurance
Here are the answers to the most commonly asked questions about auto and car insurance.
If I have good health insurance, do I need medical payments coverage?
For those who have quality health insurance, you probably don't need medical payments (personal injury protection) coverage in your auto and car insurance policy. However, if you do not have health insurance or are underinsured, you might want to include medical payments coverage to be on the safe side.
Are you an auto and car insurance company?
No, we do not sell auto insurance. The purpose of our site is to provide you with free quotes on car and auto insurance policies from our insurance partners. Though you can obtain a policy through our site, we do not issue the policies ourselves.
What insurers participate in your network?
Most major auto and car insurance companies participate in our network. Here is a list of just a few of them:
- State Farm
- American Family
- Allstate
- AAA Insurance
- Farmer's
- Nationwide
How can I find out how much coverage I need to drive legally in my state?
Mandatory minimum auto and car insurance requirements vary considerably by state, so you should always check your state's requirements before shopping for a policy. You can find this information on your state's department of insurance website. Every state has a department of insurance, and most of these departments have websites. You can also find information about customer complaint ratios for every insurer that is authorized to provide coverage in your state.
Will a ticket affect my rates?
Yes, a moving violation of any kind will generally raise your auto and car insurance premiums. However, some insurers give you one "freebee" and will only increase your rates if you have more than one violation. Similarly, you might be able to go to traffic school and get the violation expunged from your record. Learn how to save money on auto and car insurance here.
