How much do you know about auto insurance?
Take this quick quiz and find out. What you learn may help you save money.
Take the quiz
Answer true or false to these questions to test your auto insurance knowledge.
False. Not every policy covers flood damage to your vehicle. You may be able to file a claim for flood damage if you have “fully comprehensive” car insurance.
True. Damage caused by potholes is usually covered—but only if you also have collision coverage.
True. Comprehensive coverage usually covers theft, as well as damage caused by break-ins. However, liability insurance probably won’t cover theft—its purpose is usually to protect against bodily injury and property damage resulting from an accident.
False. Although all 50 states plus Washington, D.C. require coverage for property damage liability (PD), only about half the states require uninsured/underinsured motorist insurance. Florida does not require bodily injury liability insurance (BI). So what’s required varies by state.
False. Rates don’t change until it’s time for your insurance company to renew your policy. Speeding tickets usually result in a rate increase. Other moving violations often do as well.
True. Nearly every state allows insurers to set auto insurance rates based partially on gender. Only California, Hawaii, Massachusetts, Montana, North Carolina, and Pennsylvania ban insurers from taking gender into consideration.
True. Car insurance usually covers vandalism—but only if your policy includes comprehensive insurance.
True. Generally, married couples get a lower car insurance rate than people who are single. If you’re recently married, you might want to consider looking into your coverage. You might save money.
True. Comprehensive coverage on a car insurance policy may help pay to repair or replace your windshield if it is cracked or shattered by a rock.
False. Some insurance companies won’t even ask the color of your car when you request a quote on coverage. However, insurers will usually want to know the year, make, model, body type, and engine size of your vehicle.
False. Look to comprehensive collision coverage to insure your vehicle against most run-ins with wildlife — and it might even cover damage caused by your own pet.
False. “No-Fault” is an insurance term that means drivers have insurance to cover their own injuries and damage—no matter who is at fault in the accident. In other words, who’s at fault doesn’t determine whose insurance is used to pay for damage and injuries.
True. Based on statistics that show drivers over the age of 65 are more high-risk than younger drivers, most 65+ drivers will see their car insurance rates steadily increase.
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5 - 9 correct
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We get it. Auto insurance can be complicated.
Looking to learn more?
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