1)What are points?ans: Points are given for traffic violations, DUI, accidents, etc and will usually cause your insurance rates to go up. It is a numerical way to determine your driving record.
2)What is no-fault insurance?
ans: Typically insurance companies would pay based on the particular fault of each driver. With no-fault insurance your insurance company pays for your damages regardless of the cause.
3)If somebody borrows my car is it still covered?
ans: Normally a car is covered as long as it was lent and the driver is licensed. Typically insurance is based on a car, not the person.
4)I have a really cheap car. Do I still need insurance?
ans: Yes, it's the law to have liability insurance. However, you may consider dropping your comprehensive and collision coverage.
5)What factors determine the cost of my insurance policy?
ans: Numerous factors are used including driving record, location, age of drivers, education, type of car, type of use, number of drivers, credit history, criminal record, past policy cancellations and sometimes occupation.6)What is SR-22 Insurance?
ans: While it varies by state, SR-22 is normally used when a license has been suspended or revoked by DUI or other serious traffic violations.
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