Auto Insurance

Browse our articles about auto insurance

June 1, 2026

Modified Cars: Custom Parts and Equipment Coverage

Auto policies usually cover a vehicle as it left the factory, with a small allowance for additions. Here is how custom parts and equipment coverage fills that gap.

New Car Replacement Coverage and How It Differs From Gap

New car replacement pays for a new vehicle rather than a depreciated one after a total loss. Here is how it works, who qualifies, and why it is not the same as gap coverage.

Storing a Car: Suspending Coverage Without Creating a Lapse

Cancelling insurance on a car you are not driving is usually the wrong move. Here is how storage or comprehensive-only coverage works and what a lapse costs you later.

Driving in Canada and Mexico: What Your Policy Does Abroad

A US auto policy generally follows you into Canada. Mexico does not recognize it, and a Mexican liability policy is required. Here is what to arrange before you cross.

ATVs, UTVs, Golf Carts and Snowmobiles: Who Covers Them

Off-road vehicles fall in a gap between auto and home policies, and where they sit depends on where you ride. Here is how coverage is usually arranged.

RV and Travel Trailer Insurance: Where It Differs From a Car

Motorhomes, travel trailers and fifth wheels are insured differently from cars, and differently from each other. Here is what changes and what coverages are specific to RVs.

When a Personal Auto Policy Is Not Enough for Business Use

Personal auto policies exclude some business use of a vehicle. Here is where the line falls, what commercial auto covers, and how to tell which side you are on.

Excluding a Driver From Your Auto Policy: How It Works

A named driver exclusion removes one person from coverage entirely. Here is why insurers ask for one, what happens if that person drives, and what the alternatives are.

Rental Reimbursement: A Car to Drive While Yours Is Repaired

Rental reimbursement pays for a rental while a covered repair is under way, up to a daily rate and a cap. Here is when it starts, when it stops and what it will not do.

Roadside Assistance and Towing: What the Coverage Includes

Roadside assistance on an auto policy pays for a tow, a jump start or a lockout, but only up to set limits. Here is what it covers and how it differs from a motor club.

Moving to a New State: What Changes for Your Insurance

Insurance is regulated state by state, so a move changes your required coverages, your policy forms and sometimes your insurer. Here is the sequence.

Insuring a Student Away at College

A student who moves to campus stays on the family policies in some ways and not others. Here is what changes for belongings, liability and the car.

When You Disagree With the Adjuster: Your Options

Disputes about the amount of a loss and disputes about whether it is covered follow different paths. Here is the escalation ladder, in order.

Subrogation: How Your Deductible Comes Back

When someone else caused the loss, your insurer pays first and then pursues them. Here is how that process works and where your deductible sits in it.

Motorcycle Insurance: Where It Differs From a Car Policy

A motorcycle policy uses the same coverage names as an auto policy and behaves differently in several places, starting with passengers and custom equipment.

This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.