Answering Popular Google Searched Auto Insurance Questions (FAQs)

Does car insurance cover theft? 

Theft of the car is covered if your policy includes Comprehensive Coverage.  Theft of your stuff inside the car is covered by homeowners or renters insurance.

What is the best car insurance Reddit recommends?

Reddit is a fun place to hang out, but a smart Dodo is going to double check what the writers recommend as "good insurance".  A place to start is Reddit Car Insurance subs. 

How does gap insurance work? 

When you drive off in a brand new car, it immediately loses 20-30% of its value.  If your car is only worth $40,000 and you owe $55,000 on it, you need gap insurance.  

What's the difference between liability insurance vs full coverage (comprehensive insurance)?

Liability Insurance covers damages you cause to someone else while driving your car.  Full Coverage refers to Liability coverage, plus physical damage to your car.  

Can I get short term car insurance (temporary car insurance)?

The best way to buy temporary car insurance is to buy a six month term, pay monthly installments, and cancel it when you don't need it anymore.  

What is high risk auto insurance?

If you have a bad driving record, you are considered "high risk".  Most car insurance companies will charge higher rates to drivers who are more likely to cause accidents.

Can I be on my parents car insurance if the car is in my name? 

No, the registered owner and the policyholder must match.  If you don't have ownership of something, you typically can't buy insurance on it.  

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How does car insurance work (coverage options)?

It pays if you cause an accident and you owe someone else money.  It can also pay to have your car repaired or replaced after an accident.

How much does SR22 insurance cost a month? 

Usually its pretty cheap, maybe $20.  The real cost comes from the reason you need an SR-22 on the policy (usually because you just got a DUI).

How to switch car insurance?

Get coverage in force with your insurance car insurance company.  Contact your old company and tell them to cancel their policy when it is time to switch car insurers.  

How much is car insurance for a 16 year old?

Generally, you are looking at 3 times the cost of an adult driver.  So a policy that was costing mom and dad $200 a month will cost $600 a month for a 16 year old driver.  

How long do you have to get insurance after buying a used car?

This varies from state to state.  The best practice is to add the car as soon as you can or your new used car may not be insured

Compare Policies

Action Item:  When comparing auto insurance companies, don’t decide based on price alone.  Get two to three quotes, then call or chat online with the company and ask about their claims process.  Does it sound easy and reliable?  You can get started comparing quotes here. 

Why is my car insurance so high?

Driving records, vehicle values, amount of coverage on the policy, and amount of miles driven annually all impact car insurance rates.

How is auto insurance calculated?

Car insurance companies look at your credit score, publicly available data about you, where you live, your claim history, and the type of car you drive for their auto insurance calculation.  

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What does comprehensive auto insurance cover?

Comprehensive car insurance covers everything that could cause damage to your car except collision accidents.  

Is hail damage covered by car insurance?

Comprehensive coverage will pay to repair damage caused by hail.

How to lower car insurance premium?

Use a higher deductible.  Buy less coverage.  Shop around for quotes.  Use lower estimated annual miles.  Drive a cheaper car. Are some quick ways to lower your car insurance premium.