Car Insurance

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Clark's Car Accident Guide
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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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Renting out your home or car comes with insurance hassles

Renting out your home or car for extra cash could leave you in a lot of financial hot water with your insurer. I've talked in the past about sites like VRBO.com, HomeAway.com and Airbnb.com as way to get a deal if you're looking for a rental, but also as a ...

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

Auto insurance market share war could drive down rates

A brewing market share war in the auto insurance industry could drive down the cost of insurance at a time when rates were supposed to be heading higher around the country. Allstate has been a troubled enterprise for a while with much dissension in the ranks. They use what's called ...

Full coverage or just liability insurance on your auto?

Should you have full coverage, or just liability coverage, on your vehicle? It depends on the car! For example, a recent poster on our Facebook page asked if she should be paying for full coverage on her fully paid 2005 Toyota Tundra. Here's the bottom line: If you own a ...

Shop auto and home insurance to save money

Shopping the insurance market for auto and home coverage periodically can save you big bucks. I read in The New York Times about a fellow who got a quote for auto insurance from a competing insurer out of the blue. The competitor offered a premium for the same coverage he ...

Allstate introduces claim satisfaction guarantee

Allstate is a company that has never had a very good customer satisfaction rating with Consumer Reports or the American Customer Satisfaction Index. In fact, they've typically been at the bottom end of the heap. But in an effort to restore confidence to their brand, the insurer is now offering ...

California continues with "pay as you drive" insurance models

"Pay as you drive" insurance continues to make inroads in the state of California, according to The Los Angeles Times. California has now seen a fourth insurer test out this unique business model. The idea is that you pay based on the miles driven. The more you drive, the greater ...

GM experiments with free car insurance for a year

GM has a unique new incentive where they will foot the bill on 12 months of auto insurance for new car buyers. While the American automaker has been emerging well out of bankruptcy, they've long had trouble finding receptive buyers on the West Coast. It's a challenge that's shared by ...

Money-saving advice for motorists

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 for you, along with info about the cheapest cars to insure. Local governments have gone crazy with ticketing for everything because they're starved for ...

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Traffic Tickets & Your Insurance Rate

Ever wonder exactly how much your auto insurance will go up after a speeding ticket? How about after 2 or 3 tickets? Clark has new numbers for you!

Auto insurers using level of education and occupation to set premiums

Editor's note: This segment originally aired in Dec. 2010. 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. Both the Consumer Federation of America and Dow Jones ran ...