Common auto insurance questions, answered simply.
Because policies and state rules vary, these answers are general in nature—but they can still help frame the right questions to ask when reviewing coverage.
What does “full coverage” usually mean?
People often use “full coverage” to describe a policy that includes liability plus collision and comprehensive coverage. It is not a formal single coverage type, and it does not mean every loss is covered.
What is a deductible?
A deductible is generally the amount you pay before certain coverages begin to contribute to a covered loss. Higher deductibles may reduce premium, but they also increase out-of-pocket responsibility.
Why did my premium change?
Premium can change for many reasons, including claim history, vehicle changes, inflation in repair costs, rating updates, mileage assumptions, household drivers, or broader pricing changes by the carrier.
Do I need uninsured motorist coverage?
That depends on your state, your policy, and your comfort level with risk. Many drivers review it closely because it can help protect against losses caused by drivers with little or no insurance.
Should I keep collision on an older vehicle?
That decision often comes down to vehicle value, your deductible, and how much loss you could comfortably absorb on your own if the vehicle were damaged in a crash.
When should I review my policy?
Many people review coverage at renewal, after moving, after adding or removing a vehicle or driver, or whenever household budget and protection priorities change.