Car Insurance: What you have to reveal at an accident scene

By Jennifer Nelson

You've just been involved in a fender bender. Police are on the way. Meanwhile, what information do you have to exchange with the other driver?
That answer varies by state.
In Florida, for instance, state law requires drivers to share name, address, contact details, driver's license number, license plate number and auto insurance information. In New York it's more of the same, plus if the driver's name is different from the name on the insurance card or registration, you're supposed to provide the name of the person who owns the car or who holds the insurance policy.
In California you're supposed to show your driver's license, vehicle registration card, evidence of

Car Insurance: The most and least expensive 2013 vehicles to insure

By Amy Danise

In a remarkable upset this year, minivans are no longer the go-to vehicles for the best car insurance rates. In the past, minivans have dominated our annual rankings of “the least expensive vehicles to insure,” but in the 2013 model year, crossovers and SUVs have taken control of the top 20, including models from Ford, Jeep, Kia and Hyundai.

Car Insurance: Best insurance companies: 2013 customer satisfaction report

By Amy Danise

USAA, American General and Kaiser Permanente earned the highest scores from customers in their respective categories in Insure.com’s annual customer satisfaction study.

See 2013 Customer Satisfaction Ratings

Travelers

Would you renew?

Yes
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88%
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Can Insurance: how to save money(12 ways to save money on car insurance)

We're always searching for ways to save money on car insurance. Here are the top ways to reduce your bill.

1. Comparison shop

Car insurance rates vary considerably from company to company. Get car insurance quotes from at least three insurers. But don't shop on price alone: Look at the company's reputation, its customer service and the type of coverage and discounts it offers.

2. Ask for higher deductibles on collision and comprehensive coverage

If you file a claim under collision or comprehensive coverage, the deductible is the amount of money deducted from the insurance check. Higher deductibles mean lower premiums. For example, increasing your deductible from $250 to $500 on collision and comprehensive coverage could save you 15 to 30 percent. Increasing it to $1,000 can you save you up to 40 percent or more, according to the Insurance Information Institute (III). Just make sure you can pay it in the event that you need to make a claim.
There is no deductible on liability insurance.

Car Insurance: Minimum car insurance requirements

Most states require you have car insurance and have laws that outline the minimum level of coverage you must buy.

Car Insurance: Ultimate guide to insurance for hitting stuff in the road

Drivers have been colliding with things in the road since 1891, when inventor James William Lambert was involved in what may have been the first auto accident in history. The mishap occurred in Ohio City, Ohio, when Lambert's one-cylinder horseless carriage struck a tree root and veered into a hitching post.   If your car hits something, you’ll want know whether you have the right coverage to make a claim. Here we look at what you’ll need in common situations.

Animals
Comprehensive coverage pays for damage to your car that’s not caused by a car accident.
If you hit a deer, moose or other animal, "it's not your fault that something has gotten in the way of your vehicle and is struck,” says Janet Masters, spokesperson for American Family Insurance.
West Virginia is the worst state for deer collisions -- something to consider when you're buying auto insurance. State Farm annually ranks the worst states for deer collisions.

Car Insurance: 6 top car insurance myths

Insurance can be complicated enough. Don’t let a flood of misinformation drown out the facts. Since misunderstandings can be costly, here are the most common car insurance myths debunked.

Myth: Red cars are the most expensive to insure

Fact: Red will not cost you more green. Roughly 25 percent of drivers surveyed by Progressive Insurance believe that the color of their car is a factor in determining their insurance rate — especially if the car is red. But the belief that drivers of red cars pay higher car insurance premiums is a myth. Insurance companies will likely not even ask the color of your car when they’re calculating your car insurance rates.
The notion that car color determines what you’ll pay for insurance is a longstanding myth. It may have come from the idea that people who drive red sports cars are reckless.
Car insurance companies are interested in the year, make, model, body type, engine size and age of your vehicle. The color may be important to you, but it really doesn’t matter to your insurance company.

Car Insurance: What thing I need to know before I take a car Insurance?

Car insurance basics

 Driving without car insurance is illegal in almost all states. Insurance protects you, and others, from financial ruin in the event of an auto accident. In addition, it can come to the rescue if your car is vandalized, damaged by fire or stolen — depending on your policy.
Besides protecting you financially, car insurance is a social responsibility. Driving without insurance or the ability to pay for the damages you cause in an accident puts others at financial risk. That's why all states (except New Hampshire) require drivers to carry liability insurance, according to the Insurance Information Institute (III).

Car Insurance: Why I need a car Insurance Policy?

Hit the road with the right car insurance policy

 

Auto insurance is a must if you own a car. Most states require you to carry insurance, and without it, you face financial disaster if you cause a serious accident and get sued.
Car insurance can also pay to repair your vehicle if it gets damaged in a crash or natural disaster, like hail or wildfire, or is vandalized or stolen.

Car insurance coverage types

Car Insurance: common lies told to car insurance companies

The 5 biggest lies told to car insurance companies

Fudging on your car insurance application to save on the premium may seem like a harmless white lie, but it can spell trouble for you down the road.
A new report by Quality Planning Corp. in San Francisco says car insurance companies lost $15.9 billion in 2008 from what it calls "premium leakage" — meaning loss of revenue due to the inability of insurers to keep track of changes in customers' situations that affect prices. The number represents almost 10 percent of the total $167 billion in personal auto premium written.

When do I insurance my car?

Car insurance and registration when you move
By Sharon Anne

If you are moving to a state with high auto insurance rates and considering leaving your registration and insurance unchanged to save money, don't go there. Here's why.

For starters, it is unlawful in most states.