According to the law, drivers are not allowed to operate motor vehicles on public roads unless they are covered by insurance. What can be confusing is that most states, including California, do not allow anyone under the age of 18 to purchase car insurance…

In most states that offer it, no-fault insurance replaces the tort system. The tort system is the official name of the insurance system where disputes are settled in a court of law, where the no-fault system allows insurance companies to negotiate settlements…

Within reason, you can cancel your car insurance policy at any time. In reality, this means that you can notify your insurance company you wish to terminate the policy at the beginning of the next billing cycle. If you do not give the insurance company sufficient…

For auto insurance companies, who is driving the car is very important. They assess the risks of insuring the vehicle against the driving experience and safe driving records of the people who will be driving. Some insurance companies advise you to list all…

Arizona insurance offers drivers an elective coverage called Full Glass or Safety Equipment coverage. This coverage is a rider on your other policy coverages and includes all of the glass in the windshields, windows, doors, and more. This protection is similar…

The criteria used to determine whether a car is a sports car or not varies from one insurance company to the next. Some insurance companies will go by the horsepower of the vehicle, or name certain models as being sporty. If the location you live in can have…

The points system is how many states keep easy track of your driving violations. Where points are used, the driver receives points for many driving violations, with additional points assessed for more severe instances. When the insurance company pulls your…

There are 3 basic ways to find out what was on your old policy, what exclusions it contained and any riders or waivers that were placed on it. You can either read through the policy yourself, call the insurance company that issued the policy, or look the…

Your driving record has a profound effect on your parent's insurance premiums. For one thing, the cost of insuring someone under the age of 25 can account for as much as a 100% increase in the premiums. And if you get a traffic ticket or are involved in an…

By New York state law, any conviction for driving under the influence of drugs or alcohol will remain on your driving history for a period of 10 years. That does not mean the penalty will affect your insurance rates for 10 years, but it does mean that insurance…