Car Insurance Knowledge

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

 How Many Cars Can You Have in Your Name?

How Many Cars Can You Have in Your Name?

Federal law doesn’t cap how many cars you can have in your name. But depending on your insurer, you may need multiple policies to cover all your vehicles.
By Kevin Payne|May 9, 2024
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
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
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
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
Rural States Underreport the Most Mileage on Car Insurance Applications

Rural States Underreport the Most Mileage on Car Insurance Applications

Wyoming drivers have the highest average annual mileage in the U.S., at 25,779 miles. The mileage they report to insurance companies is 73% lower.
By Cassie Sheets|March 4, 2024
How Gender Inequity Affects Car Insurance Costs (2024)

How Gender Inequity Affects Car Insurance Costs

If women paid the same percentage of income toward car insurance as men, female drivers would save an average of $337 per year on coverage.
By Cassie Sheets|March 1, 2024