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Auto insurance is something that everyone who owns a car should have. It’s not just important for financial protection in the event of an accident, it’s also the law in most states. Imagine getting into a car accident and having to pay for all the damages and medical bills out of your own pocket. That would be a huge burden and could even lead to bankruptcy. But with car insurance, you have a safety net to fall back on. It’s such a relief to know that you and your car are covered in case of an accident. And even if you’re a safe driver, it’s still a good idea to have car insurance. You never know when something might happen, and it’s always better to be safe than sorry.

Curious about specific carriers? View our Carrier Reviews Overview Page 

Allstate | American Family | COUNTRY Financial | Farmers | Liberty Mutual | Nationwide | State Farm

HELPFUL AUTO INSURANCE GUIDES AND ARTICLES

Hometown Quotes is here to answer your tough auto insurance questions. For more info, be sure to check out our Auto Insurance Resource Center.

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AUTO INSURANCE TERMS

Not sure what all the auto insurance terms mean? Don’t worry, we’ve got you covered with our comprehensive glossary of auto insurance terms.

DEDUCTIBLE

DEDUCTIBLE

In order to discourage frivolous claims, insurance companies include deductibles with their policies. This form of cost-sharing is the amount you agree to pay when you have a claim. For example, with a $500 deductible, a $1,200 fender-bender repair will cost you $500, and the insurance company will pay $700.

Premium

COLLISION COVERAGE

A premium is the amount your insurance company charges to provide your coverage. Drivers with clean driving records and good credit scores often get the best rates, though other factors like age, gender and location also come into play. Typically, you can choose to make premium payments monthly, semiannually or annually.

Uninsured Motorist

ENDORSEMENT

Even though most states require it, some drivers do not carry auto insurance. If you are in an accident caused by an uninsured motorist, this coverage will pick up the costs that should have been paid by them or their insurance company, so you aren’t left holding the bag.

Frequently Asked Questions

Here at Hometown Quotes, we receive a number of questions about auto insurance such as: what is covered by an auto insurance policy, how to file a claim, and how to choose the right coverage. You can see a couple of the most asked to the right, and if you would like more information, we encourage you to visit our complete auto insurance FAQ page. This page contains a comprehensive list of questions and answers about auto insurance, and is a great resource for anyone looking to learn more about this important topic.

It is generally possible to add anyone to an auto insurance policy as a named driver, as long as the person meets the insurer's underwriting requirements. However, it is important to note that auto insurance policies are generally based on the primary policyholder's risk profile, so adding a driver who is considered high risk (for example, because they have a poor driving record or a history of accidents) could significantly impact the policy's premium.

Before adding someone to an auto insurance policy, it is a good idea to consider the potential impact on the premium and to discuss the decision with the insurance company. The insurer may have specific requirements or restrictions for adding drivers to a policy, and it is important to follow these guidelines to ensure that the policy remains valid.

If you forget to pay your auto insurance premium, your policy could be cancelled. Most insurance companies will send a reminder or notice when a premium payment is due, and it is important to pay the premium on time to avoid a lapse in coverage.

If your policy is cancelled due to non-payment of premium, you will no longer be protected by the insurance policy and you will be considered uninsured. This can have serious consequences if you are involved in an accident, as you may be held personally responsible for any damages or injuries that you cause.

If your policy is cancelled, you may be able to reinstate it by paying the overdue premium, although the insurance company may charge a reinstatement fee and may require you to provide proof of insurance before reinstating the policy. It is important to address a missed premium payment as soon as possible to avoid a lapse in coverage.

Whether or not you can deduct your auto insurance premiums from your taxes will depend on how you use your vehicle and the purpose of the insurance.

If you use your vehicle for business purposes, you may be able to deduct the cost of your auto insurance as a business expense. This includes situations where you use your personal vehicle for work-related travel, or if you have a separate business vehicle that you use for business purposes.

In order to deduct auto insurance as a business expense, you will need to itemize your deductions on your tax return and provide documentation of your business use of the vehicle. It is a good idea to consult with a tax professional or refer to IRS guidelines to determine if you are eligible to claim this deduction.

If you do not use your vehicle for business purposes, you will not be able to deduct the cost of your auto insurance premiums on your taxes. However, there may be other deductions or credits that you are eligible to claim, depending on your specific circumstances.

Curious about specific car Brands or Makes and Models? View our Auto Insurance Compare Page

Explore and Compare top car brands, their diverse makes and models, and estimated insurance costs associated with each.

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