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Should I get insurance or car registration first?
Your best bet for car insurance with an expired registration is to contact your state’s DMV and begin the process for being reinstated. It's unlikely a car insurance company will cover you if your registration is currently expired. The process will vary by your state, but usually includes:Showing p…
Do I need to keep a printed insurance card in my vehicle or can I show digital proof of insurance on my phone?
As of October 2022, 49/50 states and Washington D.C. allow for digital proof of auto insurance rather than a printed paper ID card. The only state not currently included is New Mexico which means in Oklahoma it is perfectly acceptable, and legal, to use an electronic copy on your phone.
How long do I have to add my new vehicle to my existing policy?
This can vary by company so your best bet is to add the new vehicle as quickly as possible to avoid any issues with your finance company or insurance provider. Generally speaking, there is a 14-30 day window for you to add your vehicle and have it insured from the date of purchase. If you happen to…
Should I cancel my policy if I sold my vehicle and won't be getting another car for a month?
Canceling your auto insurance when you sell a vehicle sounds like a good idea until you realize the potential pitfalls of doing so. While it may not make sense to maintain auto insurance when you no longer own a vehicle, consider the fact that you still have to have insurance to test drive a vehicl…
Can I get an SR22 when I don't own a car?
In the event that your state has suspended your license and requires that you have an SR22 then you will need to purchase an auto insurance policy. For people who do not own a car but are required to carry an SR22 then the solution is a non-owners insurance policy. This type of policy will offer th…
What part of my policy covers my car if I hit a pothole?
The resulting damage from hitting a pothole is actually considered an "At Fault" accident and would be covered under the collision portion of your policy. The reason this is the case is because insurance companies expect drivers to operate their vehicles safely and watch for hazards in the road to …
Should I buy a car first, or the insurance first?
You can't exactly buy insurance before you’ve picked a car, because the insurer needs specific information about the vehicle. However, you can’t legally drive off the lot without insurance, either. It can be slightly stressful sitting at the dealership, trying to get your insurance in order. Planni…
What coverage do I need if I hit a deer?
Normally when you are driving and hit something in the road then the damage would be covered under collision. However, hitting a deer (or any other animal) is considered a comprehensive claim since it is an unexpected variable and falls under the category of an "act of god," much like hail damage o…
Do I have to list my spouse on my policy if she isn't driving?
Your spouse must be listed on your insurance policy regardless of driving status. Since insurance is all about properly rating risk, companies will require that your spouse be listed on your policy to know who they are and are not covering. In most instances, if your spouse won't be driving then yo…
Does car insurance cover a locksmith?
If you have roadside assistance on your insurance policy then it is extremely likely that your policy will cover a locksmith to unlock your vehicle. You might even be able to get your vehicle "re-keyed" under your roadside assistance coverage if you aren't able to find your keys. Not all roadside a…
