About Auto Doctorz

FAQ

Your Questions

Got quick questions? This FAQ covers the most common things people ask when they first shop for car insurance. Answers are short and plain - meant to point you in the right direction, not replace a conversation with a licensed agent.

What is the minimum car insurance I need?

Minimums vary by state - typically liability for bodily injury and property damage. These are the legal floor, not necessarily enough to fully protect you.

Will my rates drop if I add safety features to my car?

Is collision coverage worth it on an older car?

Does filing a small claim always raise my premium?

Not always. It depends on fault, frequency of claims, and insurer policies. For some small claims it might be cheaper to pay out of pocket.

Can I drive someone else's car and be covered?

Often you're covered for liability under the car owner's policy, but specifics vary. Check the owner's policy and local rules before assuming coverage.

How do I find discounts on my policy?

Ask insurers about safe driver, multi-policy, multi-car, good student, and anti-theft discounts. Also shop around and ask — many discounts are not automatically applied.