The Basics of Car Insurance and Other Auto Insurance Types

Auto insurance (typically referring to car insurance) is a coverage type that protects from the potential financial risks of operating a motor vehicle. Auto insurance involves a contract in which the auto insurer agrees to pay covered costs up to an amount in exchange for an incremental premium.

Typically auto insurance provides financial protection for property, liability, and personal medical.

By browsing the auto insurance pages below you will be taken step-by-step through everything you need to know about car insurance, motorcycle insurance, and insurances for any other road-based vehicle type.

How to Deal With an Auto Claim Adjustor

There is no better way to owe more and get a smaller claim then not understanding how to deal with an auto claim adjustor. They may be nice or they may try to intimidate you, whether or not they can sleep at night is on them, knowing tips and tricks for dealing with them is on you. Here is how you do it.

What to Do After an Auto Accident

After an auto accident: don’t incriminate yourself, seek medical attention, call the police, trade info, don’t touch anything or anyone, get advice from a lawyer, and then file a claim. That is the gist of what to do after an auto accident, below we cover those key points in detail. What Steps to Take After . . . read more

How to Make an Auto Insurance Claim

Perhaps the most important aspect of auto insurance is filing a claim correctly. We’ll show you how to avoid auto insurer traps and to get the most out of your new-found relationship with your claims adjustor.

Driving Record – Motor Vehicle Report (MVR)

What is a Driving Record? Your driving record – or Motor Vehicle Report (MVR) – includes information about you, your driver’s license, and any traffic incidents in your past. Auto insurance companies use your driving record (among other factors) to determine your premium and deductible rates. Below we cover what is on your driving record, . . . read more

How Auto Insurance Works

Auto insurance is a legally binding contract that states that, in return for a timely premium, the insurer agrees to pay up to an amount in certain events. Although there are many different types of auto coverage, they share a lot of basics in regards to policy types, how contracts work, and what they cover.

Auto Insurance Facts

Sometimes the easiest way to understand a subject is to look at a bullet-pointed facts list. With that in mind we created a comprehensive auto insurance fact list covering everything you ever wanted to know about vehicle insurance.

Commercial Auto Insurance

Car Insurance for Businesses: Commercial Auto Insurance Commercial auto insurance, or commercial coverage, is insurance providing financial protection for damages relating to a vehicle designated for business use. If you use your vehicle for any business-related purpose besides driving to work, you may need some form of business car insurance as personal policies rarely cover commercial . . . read more

Auto Insurance Quotes Explained

Find out all about auto insurance quotes. We cover everything from the mechanics of how quotes work, what costs are based on, how to shop smart, and some tips and tricks for saving money on auto quotes.

How to Compare Car Insurance Quotes

How to Compare Car Insurance Quotes When shopping for car insurance, one of the biggest challenges is figuring out how to compare car insurance quotes to get the best policy at the best price. Beyond premiums, you’ll also be looking at policy periods, cost sharing, coverage limits, and both current and future discounts. On this page, . . . read more

The Auto Insurance Residual Market

Auto Insurance: The Residual Market The auto insurance residual market (also called the shared market) is a pool of drivers who are too high-risk to get car insurance in the private market. This high-risk pool (or “assigned risk pool”) is created by your state’s insurance regulators (the Department of Insurance), and its drivers are distributed to the insurers . . . read more