Insurance

Car insurance typically covers liability for injuries and property damage, collision damage to your vehicle, comprehensive coverage for non-collision incidents, and medical payments for injuries sustained in an accident.

The amount of car insurance you need depends on your state's minimum requirements, the value of your vehicle, your assets, and your personal risk tolerance. Most experts recommend carrying more than the minimum required coverage.

Your premium is influenced by factors including your driving record, age, location, type of vehicle, coverage levels, deductibles, credit score, and annual mileage.

Yes, you can still get car insurance with a bad driving record, though your premiums will likely be higher. Some insurers specialize in high-risk drivers and offer competitive rates.

A deductible is the amount you pay out of pocket before your insurance coverage kicks in. Higher deductibles typically result in lower premiums, while lower deductibles mean higher premiums but less out-of-pocket expense when filing a claim.

You can lower your costs by maintaining a clean driving record, bundling policies, increasing your deductible, taking advantage of discounts, driving less, and comparing quotes from multiple insurers annually.