All Questions

The short answer is yes, your premium will go up if you file a claim. Anytime your company has to pay out on a claim your insurance will increase. If you do not want to file a claim with your company you can seek an attorney for advice on taking legal action to have the damages covered by the respo…

It is considered illegal to lie about who the listed primary driver is and who actually drives the car most frequently. Depending on the situation, it can either be classified as a misdemeanor or a felony. If you are convicted of insurance fraud, it will be extremely difficult to get insurance goin…

3. It depends on the value of your vehicle. The answer to your third question is subjective and up to each individual to decide what suits their needs best. That being said, you should try to get a fairly accurate idea of your vehicle's actual cash value (ACV) since that is what GEICO would pay if …

Congrats on the move! Because car insurance is priced at the zip code level and regulated at the state, you're going to want to update your coverage to reflect that. Bear in mind, your premium will change as a result of your move. According to our data, the average premium in Illinois is $1,285 ver…

Thanks for reaching out to The Zebra! Adding multiple vehicles and changing policies can be a little confusing, so we're happy to help. The answer is yes, the insurer will pro-rate the change to the plan and add the new vehicle to the existing term. Usually, adding another car just takes a simple p…

This can be a tricky situation. Although we're both licensed insurance professionals, only a claims adjuster would be able to handle this so that is where I would take my question. However, in my experience, the owner of the parked vehicle is considered at fault in these instances because they have…

If your friend was pulled over without insurance, they would be the one to receive the ticket. However, if they caused an accident, the other party may be able to come after you AND your friend for damages. This is because you are the owner of the car and required by law, as an owner, to have insur…

Insure the car at its primary garaging addressThanks for reaching out to The Zebra!I understand that you want to keep the car's warranties, but it's also important to keep the vehicle insured correctly (and insurance is mandatory in 49 out of 50 states). The short answer to your question is that yo…

While it is not illegal to pay for someone else's policy, you might run into issues if she's on your policy as well. Car insurance is regulated at the state level and priced at the zip code level. So, if she's on your car insurance policy but not living at your residence, you will probably run into…

This can be a tricky situation. Usually, someone will try to avoid insurance companies for two reasons: they either don't have any insurance or they want to avoid their rates going up. If the damage is small, this is generally encouraged. You can simply go to a mechanic you trust and get the estima…