Common auto insurance questions, in plain language.
Is the state minimum always enough coverage?
State minimums establish legal requirements, not a personalized recommendation. Your financial circumstances, assets, vehicle and risk tolerance can be different from another driver's.
What is the difference between collision and comprehensive?
Collision generally addresses covered damage to your vehicle from a collision. Comprehensive generally addresses certain non-collision events such as theft, vandalism, weather or animal strikes. Policy terms control.
Does a higher deductible always mean a lower premium?
A higher deductible can reduce premium in many situations, but pricing methods vary. It also increases the amount you may need to pay after a covered loss.
Why do prices differ between insurers?
Insurers can use different rating models, underwriting rules, discounts and claims experience. Permitted factors also vary by state.
Should I compare only the monthly payment?
No. Compare the underlying limits, deductibles, optional features and exclusions as well. A lower price can reflect a different policy structure.
Are optional features automatically worth adding?
Not necessarily. Consider the benefit, cost, limits and whether you already have similar protection through another service or product.