Car Insurance Knowledge

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

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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
More Americans Are Driving Uninsured, Study Finds

More Americans Are Driving Uninsured, Study Finds

14% hit the road without legally required coverage in 2022.
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.
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.
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.
Should You Tip the Tow Truck Driver?

Should You Tip the Tow Truck Driver?

Tipping is a personal decision to reward good service, and your driver will likely appreciate a tip.
How to Switch Your Car Insurance in 6 Steps

How to Switch Your Car Insurance in 6 Steps

Switching car insurance companies might be a good idea if you can lower your rates significantly or get better coverage for your dollar.
Young Coloradans More Likely to Use Cannabis and Drive, Survey Shows

Young Coloradans More Likely to Use Cannabis and Drive, Survey Shows

More than one-third of drivers younger than 25 think they could drive safely under the influence.