Car Insurance Knowledge

Insurify's insurance experts guide you through the basics of car insurance insurance.

Can You Negotiate Car Insurance?

Can You Negotiate Car Insurance?

You can shop around for the most affordable car insurance rates, but you won’t have much success if you try to negotiate the car insurance premiums an insurer charges you.
By Michelle Lambright Black|May 7, 2024
What Does Collision Insurance Cover?

What Does Collision Insurance Cover?

Collision insurance covers damage to your vehicle after hitting other cars or objects, regardless of fault, but it’s important to understand its limitations.
By Amy Beardsley|May 2, 2024
When You Need Car Travel Insurance, and When You Don’t

When You Need Car Travel Insurance, and When You Don’t

You may not need to purchase rental car insurance if your personal auto policy provides coverage.
By Kim Porter|May 2, 2024
When Is a Car Considered Totaled? (2026)

When Is a Car Considered Totaled?

A car qualifies as totaled when its repair costs exceed its actual cash value.
By Anna Baluch|May 1, 2024
What Is Parked Car Insurance?

What Is Parked Car Insurance?

Parked car insurance is comprehensive-only insurance coverage designed to protect your car against damage while parked or in storage.
By Aly J. Yale|April 29, 2024
How Much Can You Afford to Pay for a Car?

How Much Can You Afford to Pay for a Car?

The car you can afford depends on your income, expenses, how you plan to pay for the car, and more.
By Aly J. Yale|April 16, 2024
Anti-Theft Discount for Car Insurance: A Guide (2026)

Anti-Theft Discount for Car Insurance: A Guide

Installing an anti-theft device can help keep your vehicle safe and save you money on your insurance premium.
By Athena Valentine Lent|April 9, 2024
What It Would Really Take for U.S. Drivers to Go Fully Electric

What It Would Really Take for U.S. Drivers to Go Fully Electric

Reaching 100% EV adoption would benefit public health and the environment, but high transaction prices, expensive insurance, and a lack of charging infrastructure present major barriers.
By Cassie Sheets|April 5, 2024
Michigan Warns Car Insurers: Price Fairly or Face Penalties

Michigan Warns Car Insurers: Price Fairly or Face Penalties

State law bars data-driven advantageous markups, department of insurance says.
By Chris Schafer|April 3, 2024
Medical Payments Car Insurance Coverage

Medical Payments Car Insurance Coverage

Medical payments coverage (MedPay) pays for medical bills for you and your passengers after an accident-related injury.
By Christy Rakoczy|March 28, 2024
Rebuilt Title: What It Is and How It Works (2026)

Rebuilt Title: What It Is and How It Works

Buying a car with a rebuilt title comes with risks you need to be aware of, such as higher insurance rates and potential mechanical issues.
By Jacqueline DeMarco|March 27, 2024
When Not to File a Car Insurance Claim

When Not to File a Car Insurance Claim

If the cost of the damage doesn’t exceed your deductible or you damaged your own vehicle and only have liability coverage, it may not be worth it to file a claim.
By Anna Baluch|March 26, 2024
How to Cancel Your SafeAuto Insurance Policy (2026)

How to Cancel Your SafeAuto Insurance Policy

You can cancel your SafeAuto insurance policy over the phone or by sending a written request.
By Theresa Stevens |March 25, 2024
High Car Insurance? Your Car Maker May Be Selling Your Driving Data

High Car Insurance? Your Car Maker May Be Selling Your Driving Data

Consumers allege major automakers sold driving and other types of data to third-party brokers without permission, resulting in higher insurance premiums and coverage denials.
By Cassie Sheets|March 22, 2024
What Are Split Limits in Car Insurance? (2026)

What Are Split Limits in Car Insurance?

A split-limit car insurance policy separates your liability coverage into three distinct parts, each with its own coverage limits.
By Danny Smith|March 12, 2024
More Americans Are Driving Uninsured, Study Finds

More Americans Are Driving Uninsured, Study Finds

14% hit the road without legally required coverage in 2022.
By Sara Getman|March 7, 2024
Good Student Discount: What It Is and How It Works (2026)

Good Student Discount: What It Is and How It Works

Many car insurance companies offer discounts for young drivers who achieve good grades in school. Here’s how to get the savings.
By Lindsay Frankel|March 7, 2024
Collision Damage Waiver: What You Need to Know

Collision Damage Waiver: What You Need to Know

A collision damage waiver helps limit your out-of-pocket expenses if you damage your rental car.
By Theresa Stevens |March 6, 2024