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Car Insurance


  • Buy uninsured motorist coverage to protect yourself against uninsured or under insured drivers.
  • If you have a car loan and don't carry insurance, the lender may buy insurance for you at five or six times what you would normally pay.
  • Collision coverage takes care of damage to your car from an accident that is all or partially your fault. Normally you'll be responsible for a deductible of $250 or $500, and your insurer pays the rest.
  • Comprehensive coverage takes care of non collision calamities, such as damage from a break-in, theft or windshield cracking.
  • Liability is the most important component of auto insurance and the one to which people pay the least amount of attention. It pays for damage to property and physical injury from an accident that is your fault.

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How speeding tickets affect your insurance rates

How speeding tickets affect your insurance rates

How much will a speeding ticket raise your insurance rates? Depends on how fast you were going! Here are the raw numbers...

Now is the time to re-shop your insurers

Now is the time to re-shop your insurers

When is the last time you shopped around for auto and homeowners insurance? Here's why it's time to check rates now.

When should you switch insurers?

A huge percent of people never shop their auto and home insurance. That's not necessarily a good idea considering that modern American business punishes loyalty, rather than rewarding it. The Wall Street Journal reports that roughly 1 in 3 people never shop their auto insurance. Almost half never their shop ...

Best auto insurance companies

Thinking about shopping your auto insurance? A new Consumer Reports tally reveals the best auto insurance companies. Car insurance ads on TV promise accident forgiveness, vanishing deductibles, and other selling points. But those features are just a side show to the main act, which is a company's reputation with satisfying ...

ClarkHoward.com and The Clark Howard Show offer more consumer advice.

Worst thing to do after an accident

When you're in a fender bender, what's the one thing you shouldn't do post-accident? Not surprisingly, it involves social media! According to the blog Daily Finance, insurance adjusters investigating your claim are going to be all over social media and the search engines to develop a digital dossier on you. ...

1986 GMC V8 Auto. 4X4 Short Bed

Save on car insurance by trading privacy

There's a way to save on auto insurance that's gaining popularity, but you'll have to trade your privacy for lower premiums. Under what's generally referred to as the 'pay as you drive' model, auto insurers track your every move using small monitoring devices that can plug into your car's diagnostic ...

Education used to set insurance premiums

Some auto insurers are now giving level of education and occupation greater weight in setting insurance premiums. That makes shopping multiple insurers at the time of renewal more important than ever. A new study from the Consumer Federation of America (CFA) finds many auto insurers are setting rates not based ...

ClarkHoward.com and The Clark Howard Show offer more money-saving advice.

Did you buy fake car insurance?

No wonder people fall for fake car insurance scams. When everyone else asks for thousands of dollars to provide a little piece of paper that allows you to drive legally, the guy who asks for only hundreds seems like a saint. Until you have to file a claim. Or get ...

Listen to The Clark Howard Show and visit ClarkHoward.com for more money-saving car rental advice.

Which tickets most impact auto insurance rates?

Ever wonder exactly how much your auto insurance will go up after a speeding ticket? How about after 2 or 3 tickets? I have new numbers to share with you. Local governments have gone crazy with ticketing for everything because they're starved for revenue. You may recall that TomTom was ...

Learn how to counter lowball offers from auto insurers

Auto insurance adjusters use an industry database that's stacked against the consumer and tends to value cars at 70 cents on the dollar—a whopping 30% less than what your car is really worth! If you feel an insurer is trying to cheat you on the value of a vehicle that ...

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