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Car Insurance Articles

At Car Insurance Quote we like to put the power in the hands of you, the consumer. Our extensive articles will help you find the information you are looking for when it comes to buying auto insurance - and getting the best coverage for your situation at the lowest possible price. Remember we also have state guides to car insurance if you are looking for local information on car insurance.

Car Insurance Credit Scoring Model Law

09/02/2010

A car insurance credit scoring model law for state legislators to reference has long been an item of interest to the National Association of Insurance Commissioners (NAIC). Regulators at different levels have shown interest in the industry's use of credit based insurance scoring for most policies from general coverage to emergency services car coverage, and lawmakers across the country have attacked the practice with varying levels of success in recent months and years. The credit scoring model has been in place throughout the industry since at least the 1980s, and industry leaders say it is an extremely accurate predictor of driving performance and claims frequency among drivers. But critics have contended for some time that it unfairly discriminates against low wage earning drivers and that credit and driving performance aren't really tied directly together at all. NAIC Annual Summer Meeting In August of 2010, members of the Property and Casualty Insurance Committee at the NAIC's annual summer meeting sat down and reviewed actions they might take regarding the use of credit scoring in auto insurance underwriting practices. Critics of the insurance credit scoring model presented their arguments to the committee, including Melvin "Butch" Hollowell, insurance consumer advocate from the state of Michigan. The state has been embroiled in a battle over the use of credit to set rates for car insurance. Hollowell argued that credit scoring adversely affects policy holders during difficult economic times. If a worker is laid off, for example, and having a hard time paying bills, their credit score drops through no fault of their own and thus, their insurance rates climb when they can least afford it, according to Hollowell [1]. Critics went on to charge that in areas that experience read more...

Article Archives

Why Car Insurance Is So Costly

Why Car Insurance is So Costly Car insurance is so costly because insurers not only base your rates on your own record, but on the records of people of like age and gender, read more...

Military Car Insurance - Military Members Can Find Military Discount Auto Insurance

Military Car Insurance Military car insurance rates are available for you as a member of the military. It doesn't matter which branch of the military you have served in, you read more...

Alternatives To Car Insurance

Alternatives to Car Insurance Alternatives to car insurance are legal ways drivers can get around buying auto insurance in their home states. Many drivers find themsleves read more...

Self Employed Commercial Car Insurance

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State Laws Mandate Auto Insurance

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Import Car Insurance - Find Cheap Import Auto Insurance Quotes

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Recommendations For Cheaper Teen Car Insurance

Recommendations for Cheaper Teen Car Insurance Recommendations for cheaper teen car insurance are usually welcome by young drivers who pay the price for many years' worth read more...

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Online Auto Insurance Shopping Is Faster

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Pennsylvania Proposes Car Insurance Verification Cameras

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Mandatory Auto Insurance In Louisiana

Mandatory Auto Insurance in Louisiana Just like the Illinois mandatory insurance requirements, drivers in the state of Louisiana are bound by state law to carry liability read more...

Michigan Court Reverses Car Insurance Decision

Michigan Court Reverses Car Insurance Decision Just the same as Louisiana mandatory auto insurance laws, other states keep careful watch over their own insurance regulations. read more...

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Illinois Car Insurance Mandatory Requirements

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Effectiveness Of Car Insurance Texting Bans

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Auto Insurance Laws In Iowa

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Vintage Vehicle Car Insurance

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Comprehensive Auto Insurance - Find Comprehensive Car Insurance Coverage

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Student Auto Insurance Rate Deductions

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Vehicle Liens And Car Insurance

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Multiple Vehicle Auto Insurance Policies

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Replace Your Auto Insurance Coverage

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Cheap Car Insurance - Cheap Auto Insurance Is Available In Minutes Online

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Handling An Auto Insurance Title Dispute

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Idaho Drivers And Car Insurance

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Vehicle Insurance - Compare Vehicle Insurance Rates

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Getting Car Insurance In Georgia

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Green Options And Car Insurance Quotes

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Car Insurance Regulations In Hawaii

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Commercial Auto Insurance For Home Remodelers

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Car Insurance Discounts On Business Vehicles

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Car Insurance For Inactive Vehicles

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Texas Car Insurance Uninsured Rates Decline

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Auto Insurance For Tax Exempt Organizations

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Smartphone Car Insurance Apps

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Stacking UM/UIM Auto Insurance

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PA Supreme Court Auto Insurance Ruling

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Short Term Auto Insurance Policy

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MI Credit Based Car Insurance Upheld

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NICB Florida Car Insurance Fraud Study

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Examine Auto Insurance Savings Claims

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Lower Your Car Insurance Bills

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Online Car Insurance - Compare Online Car Insurance

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Car Insurance Pet Coverage

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Car Insurance Customer Service

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Car Insurance Diminished Value Payments

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Telecommute For Cheaper Car Insurance

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Auto Insurance For Blind Drivers

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Protect Yourself From Car Insurance Fraud

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Steps To Buying Auto Insurance

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Mandatory Car Insurance In West Virginia

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How To Switch Auto Insurance Companies

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Find Best Rated Auto Insurance

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Car Insurance Provider - Find A Car Insurance Provider

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Auto Insurance Minimums In Wisconsin

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Car Insurance Quotes No Personal Info

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Auto Insurance Online - Research Online Auto Insurance

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Auto Insurance In Washington D.C.

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Paying Too Much For Car Insurance

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Speeding Tickets And Auto Insurance

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Good Auto Insurance Is Important

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Easy Savings On Car Insurance

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Car Insurance For Risky Drivers

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Car Insurance Optional Coverage

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Best Car Insurance Prices Online

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Auto Insurance Discount Offers

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Auto Insurance With Drivers License Points

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Medical Payments Coverage In Auto Insurance

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Reduce Auto Insurance Payments

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Understand How Auto Insurance Works

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Fault Based Auto Insurance Policy

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Compare Your Car Insurance Quote

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Cheapest Online Car Insurance Quotes

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Compare Car Insurance Rates Annually

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Car Insurance With Bad Driving Record

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Car Insurance Automotive Death Benefits

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Car Insurance Policy Declarations Page

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Roadside Assistance And Car Insurance

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Maximize Car Insurance Savings

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Low Price Liability Auto Insurance

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Colorado Car Insurance Requirements

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Dealing With Car Insurance Companies

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Protect Family With Auto Insurance

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Safe Car Insurance Quotes

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Personal Or Commercial Car Insurance

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Late Auto Insurance Payments

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Low Cost Classic Car Insurance

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Credit Cards And Auto Insurance

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Get Car Insurance Questions Answered

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Car Insurance Compare And Save

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Car Insurance In Arizona

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Auto Insurance For Colorado Drivers

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Before You Buy Commercial Auto Insurance

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Affordable Student Car Insurance

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Alaska Auto Insurance Rules And Regulations

Alaska Auto Insurance Rules and Regulations Alaska auto insurance rules and regulations detail the state's laws regarding car insurance for motorists across the state. Of read more...

Guide To Car Insurance Value

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Overinsuring On Your Car Insurance

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Cut Auto Insurance In Half

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Dump Your Clunker's Car Insurance

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Travel Car Insurance

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Car Insurance Rates After An Accident

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Commercial Auto Insurance For All Vehicles

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Free Car Insurance Quote

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Car Insurance Companies Know You Well

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Car Insurance For Males And Females

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Free Auto Insurance Quote

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Biggest Car Insurance Lies

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Biggest Car Insurance Myths

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Auto Insurance Savings From Life Changes

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Auto Insurance Companies

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Washington Auto Insurance Rules And Regulations

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Rental Car Insurance

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Compare Car Insurance Companies

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Top Rated Auto Insurance Company

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Car Insurance Comparison

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South Dakota Car Insurance Requirements

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Online Car Insurance Quotes

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Obtaining Auto Insurance In Alabama

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Maryland Senate Approves Auto Insurance Increase

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Online Auto Insurance

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North Dakota Auto Insurance Requirements

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Low Cost Auto Insurance

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Keep Car Insurance Documents In Car

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Keep Proof Of Car Insurance

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Insurance Company Ratings

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How To Research Auto Insurance

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Indiana Car Insurance Rules And Regulations

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Free Auto Insurance Quotes

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How Cars Drive Auto Insurance Premiums

How Cars Drive Auto Insurance Premiums Countless variables go into the calculation of auto insurance premiums. From your driving record to your credit score, these variables read more...

Discounts Car Insurance

Discounts Car Insurance Discounts car insurance makes it more affordable to get into a policy for drivers and their families. It is expensive to pay for insurance when you read more...

Georgia Mennonites Challenge Car Insurance Law

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Hogan Sues Car Insurance Company

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Direct Car Insurance

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Easy Savings On Car Insurance

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Direct Auto Insurance

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Consequences Of Late Auto Insurance Payments

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Costly Car Insurance Industry Practices

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Compare Low Cost Car Insurance

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Cheapest Auto Insurance

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Compare Before Buying Car Insurance

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Cheap Car Insurance Quote

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Commercial Auto Insurance For Roofers

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Common Car Insurance Myths Exposed

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Car Insurance Policy

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Cheaper Full Coverage Car Insurance

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Choosing Auto Insurance Coverage

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Car Insurance Online

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Car Insurance Tips To Consider

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Buy Car Insurance

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Car Insurance Consumers Avoid Theft

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Car Insurance On The Internet

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Best Car Insurance

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Best Car Insurance Policy

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CA Mileage Based Car Insurance

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Autos Insurance

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Avoid Auto Insurance Scams

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Automobile Insurance Quote

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Auto Insurance Vocabulary Terms

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Auto Insurance Price

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Auto Insurance Claims Denial

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Auto Insurance Diminished Value

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Affordable Auto Insurance

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Arbitration For Car Insurance Claims

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Surprising Things Car Insurance Covers

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How Cars Drive Auto Insurance Premiums

How Cars Drive Auto Insurance Premiums Countless variables go into the calculation of auto insurance premiums. From your driving record to your credit score, these variables read more...

Consequences Of Late Auto Insurance Payments

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Costly Car Insurance Industry Practices

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New Car Insurance - How To Get The Best Coverage

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Compare Low Cost Car Insurance - It's Fast, Free And Easy!

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Casualty Insurance

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Commercial Auto Insurance - How To Access The Best Rates

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Commercial Auto Insurance For Roofers

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Auto Insurance Diminished Values

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Car Insurance Savings For Twentysomethings

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Why Colorado Dropped PIP Car Insurance

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Automobile Insurance Quotes - How To Get The Cheapest Rates

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Online Auto Insurance Gaining In Popularity

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Saving On Uninsured Motorist Auto Insurance

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Best Auto Insurance - Where And How To Get It

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Automotive Insurance - What Every Driver Needs

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State Auto Insurance - Required Coverage For Every Driver

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Old Car Insurance - Get The Cheapest Rates For Older Vehicles

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Arbitration For Car Insurance Claims

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NY Car Insurance Fraud Keeps Rising

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Michigan Auto Insurance Assessment Rising 14%

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6 Month Car Insurance

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Keep Family Auto Insurance Under Budget

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Maryland Senate Approves Auto Insurance Increase

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Kansas Car Insurance Rules And Regulations

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3 Month Car Insurance - How To Find The Cheapest Rates Online

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Important Considerations For Auto Insurance Claims

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1 Month Car Insurance - How To Find The Cheapest Auto Insurance Rates

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Connecticut Auto Insurance Rules And Regulations

Connecticut Auto Insurance Rules and Regulations Connecticut auto insurance rules and regulations govern the requirements state drivers must abide by in the purchase and maintenance read more...

Monthly Car Insurance - Compare Low Cost Auto Insurance On A Monthly Basis

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Commercial Car Insurance For Self Employed

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One Day Car Insurance - Where To Buy Auto Insurance For 1 Day

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Cheaper Car Insurance

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Daily Car Insurance - Get Free Auto Insurance Quotes For Daily Drivers

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Cheap Single Driver Car Insurance

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Cheap Broad Form Comprehensive Car Insurance

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Car Insurance To Protect Your Family

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Beyond The Basics In Car Insurance

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Variables In Senior Car Insurance Rates

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Save More On Collision Car Insurance

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Obtain Instant Auto Insurance Quotes

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New Hampshire Auto Insurance Regulations

New Hampshire Auto Insurance Regulations It is widely reported in online articles that New Hampshire does not require auto insurance protection for its drivers. While this read more...

Maryland House Approves Car Insurance Increase

Maryland House Approves Car Insurance Increase On Tuesday, March 23, the Maryland House of Delegates voted to approve an increase in state standards regarding minimum auto read more...

Learn More About Used Car Insurance

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Kentucky Car Insurance Rules And Regulations

Kentucky Car Insurance Rules and Regulations Kentucky car insurance rules and regulations require all drivers in the state to be covered by automobile insurance policies meeting read more...

How Claims Affect Car Insurance Rates

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Hit And Runs And Auto Insurance

Hit and Runs and Auto Insurance Hit and runs and auto insurance have a rather unique relationship one to the other. In strict insurance terms, hit and run accidents are classified read more...

Finding Cheap Group Auto Insurance

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College Students On Parents Car Insurance

College Students on Parents Car Insurance College students on their parents' car insurance policies present a unique insurance challenge to both families and to industry professionals. read more...

Auto Insurance And Your Car's Depreciation

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Arizona Auto Insurance Rules And Regulations

Arizona Auto Insurance Rules and Regulations Drivers in the state of Arizona are legally required to carry auto insurance according to state law. Based on Arizona auto insurance read more...

Advantages Of Non Owners Car Insurance

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Quotes On Car Insurance

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Online Car Insurance Rate

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Car Insurance Coverage

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Automobile Insurance Company

Automobile Insurance Company Review your automobile insurance company information right now and you will find the discounts will quickly follow. You can have the best vehicle read more...

Auto Insurance Coverage

Auto Insurance Coverage Auto insurance coverage is just a click or two away and you can get back on the road where you want to be. Drivers need to have automobile insurance read more...

Lowest Auto Insurance

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Collector Car Insurance - Everything You Need To Know

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Instant Auto Insurance

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No Deposit Car Insurance - Find The Lowest Car Insurance Rates With No Deposit Required

No Deposit Car Insurance Money is tight now for most people and has been for quite some time. It is important to keep money in reserve for emergencies. This is why no deposit read more...

Free Car Insurance

Free Car Insurance Looking for free car insurance information online is the only way to shop for auto coverage. Drivers who compare free automobile insurance provider information read more...

Performance Car Insurances - Access High Quality Sport Car Insurance Coverage Online

Performance Car Insurances Performance auto insurance is for a car that will be fun to drive. Many people will drive a high performance car for the status it will give them, read more...

Free Auto Insurance

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Local Car Insurance - Find The Best Rates From Local Insurance Agents

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Car Insurance Online Quotes

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Liability Car Insurance - How Much Do You Have To Pay?

Liability Car Insurance Liability auto insurance is mandatory and is state controlled like all car insurance. The term liability car insurance is best defined as a defense read more...

Car Insurance For Teenagers

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DUI Car Insurance - How To Find The Best Rates Available

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Car Insurances Comparisons

Car Insurances Comparisons Drivers who make car insurance comparisons are going to save more money than those who do not. You don't pick up the first apple at the grocery read more...

Low Income Car Insurance - How To Find The Lowest Rates

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High Risk Auto Insurance

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Compare Auto Insurance Prices

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West Virginia Legislation Tackles Auto Insurance

West Virginia Legislation Tackles Auto Insurance The West Virginia House of Representatives is working on a measure that would work to counteract the high cost of auto insurance read more...

Car Insurance Costs

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Save Money On Liability Auto Insurance

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Temporary Car Insurance - Free Short Term Auto Insurance Quotes

Temporary Car Insurance Temporary car insurance is important when you use your car or drive another person's car. If you don't know about the coverage you might get into trouble. read more...

Car Insurance Claims

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No Fault Car Insurance History

No Fault Car Insurance History No fault auto insurance is a specific insurance format in use in 12 states plus the Commonwealth of Puerto Rico. No fault theory began to gain read more...

Non OEM Parts And Car Insurance

Non OEM Parts and Car Insurance Non OEM parts and car insurance are related in important financial ways. Non OEM or aftermarket auto parts are regularly used by auto insurance read more...

Business Auto Insurance

Business Auto Insurance Business auto insurance is a necessity for a company just as it is for an individual. A teenager needs to have coverage and the head of a Fortune 500 read more...

Minnesota Car Insurance Rules And Regulations

Minnesota Car Insurance Rules and Regulations The state of Minnesota legally requires auto insurance for all state drivers. Minnesota is a no fault state for car insurance, read more...

New York No Fault Car Insurance

New York No Fault Car Insurance Auto insurance is mandatory for all drivers in the state of New York. Every driver must carry at least the minimum acceptable levels of insurance read more...

Automobile Insurance Companies

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Feel Safe Buying Car Insurance Online

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Maryland Drunk Driver Liability Auto Insurance

Maryland Drunk Driver Liability Auto Insurance A group of delegates in the Maryland state House sponsored a bill that would significantly increase the minimum requirements read more...

Short Term Car Insurance - Free Temporary Auto Insurance Quotes Online

Short Term Car Insurance To compare temporary car insurance, you simply enter your zip code or click an insurance company and we will help you get a free quote on short term read more...

Auto Insurers

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Credit Repair And Car Insurance Rates

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Factors Affecting Truck Insurance Premiums

Factors Affecting Truck Insurance Premiums Factors affecting truck insurance premiums either work in your favor or against you as a policy holder. There are many things that read more...

Auto Insurance Comparisons

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Check Auto Insurance For Unnecessary Coverage

Check Auto Insurance for Unnecessary Coverage Auto insurance is very important for multiple reasons. First and most obvious is the legal factor. If a driver wants to stay read more...

Commercial Car Insurance For Delivery Drivers

Commercial Car Insurance for Delivery Drivers Commercial car insurance for delivery drivers is an important concern that all delivery drivers ought to pay close attention read more...

Affordable Auto Insurance Quote

Affordable Auto Insurance Quote An affordable auto insurance quote isn't going to be hard to come by when you shop online. When you review rates and quotes from multiple providers, read more...

Alabama Car Insurance Rules And Regulations

Alabama Car Insurance Rules and Regulations Alabama car insurance rules and regulations are set into place by Alabama state law and administered by the state Department of read more...

Auto Insurance Policy Coverage Definitions

Auto Insurance Policy Coverage Definitions Auto insurance coverage is an expense most of us are accustomed to paying, since some form of car coverage is mandated virtually read more...

Low Mileage Auto Insurance Policies

Low Mileage Auto Insurance Policies Low mileage auto insurance policies are not for everyone, but they are a great way to save money if you are a driver who doesn't do a lot read more...

When To Buy Temporary Auto Insurance

When to Buy Temporary Auto Insurance The question of when to buy temporary auto insurance is one that comes up among auto insurance consumers from time to time. Auto liability read more...

Why Buy Auto Insurance Online

Why Buy Auto Insurance Online The online auto insurance market has steadily become a larger part of the overall industry, most notably over the past few years. More and more read more...

Understanding Your Car Insurance Policy

Understanding Your Car Insurance Policy Understanding your car insurance policy should be a priority. Consumers need to know what they are paying for when they send out premium read more...

Warming Up Vehicle Jeopardizes Auto Insurance

Warming Up Vehicle Jeopardizes Auto Insurance Unbeknownst to most of us, warming up a vehicle before going somewhere can jeopardize your auto insurance. With winter upon us read more...

Seasonal Commercial Auto Insurance

Seasonal Commercial Auto Insurance Seasonal commercial auto insurance is a niche market for auto insurance consumers who have specific insurance needs directly related to read more...

Types Of Car Insurance Coverage

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