For low mileage users, this system could present significant
I Only Drive a Few Months Each Year. Can I Get Auto Insurance Just for Those Months?
There are a couple of factors at work when it comes to this auto insurance question.
Does My Classic Vehicle Need Specialty Insurance?
Special insurance might be one of the few ways your classic car doesn't need to be babied. With Allstate, you can include it on your regular auto policy.
My Spouse Has a Bad Driving Record. Will That Affect My Insurability?
In most cases, a bad driving record will not prevent you from obtaining auto insurance. But if your spouse's record shows a significant amount of moving violations, citations, and/or accidents and insurance claims, that may translate into higher premiums.
Is My Car Insured if my Babysitter (Who's Not on My Policy) is Driving?
Auto insurance is designed to follow the car, which means that the coverage you purchased for your vehicle will cover the car regardless of who's driving it.
Why Are Hybrid Cars Cheaper to Insure?
Hybrid cars aren't just cheaper to drive. Research shows that hybrid car owners tend to fall into the lower-risk category, which gives insurance companies the chance to offer them a lower insurance premium.
I Have a Babysitter Who Drives My Car with the Kids. Should I Put My Babysitter on My Auto Insurance Policy?
Auto insurance is designed to follow the car, which means that the coverage you purchased for your vehicle will cover the car regardless of who's driving it.
I Work From Home—Is My Business Equipment Covered?
Whether you telecommute for your job or own a business you run out of your home, chances are you've got some equipment—like a computer, or a camera if you're a photographer.
How do I talk to my teenager about driving safely?
When's the best time to talk about safe driving? Right now.
Is My Car Insured if a Friend or Family Member (Not on my Policy) is Driving?
Auto insurance is designed to follow the car, which means that the coverage you purchased for your vehicle will cover the car regardless of who's driving it.
Am I Covered if a Tree Falls on My Car While it's Parked?
Comprehensive Coverage, is designed for just such a situation. Comprehensive Coverage applies when a car's been damaged by either a natural or civil disturbance.
Do I Need Insurance for a Used Car?
Laws in most states require that you carry coverage for a used car. However, you may be able to save on certain options.
Are my Car Electronics and Other Add-Ons Covered by Auto Insurance?
After-market modifications, equipment, and accessories aren't automatically protected by a standard auto insurance policy. We offer options that can shield your investments.
Will my Rates be Affected if I Have a Few Accidents on my Driving Record?
Your driving record is a summary of your life on the road. It's also a mathematically accurate predictor of your general risk profile—meaning, what's happened in the past is a good predictor of the future.
What Could Make my Premiums Go Up?
Many factors affect your premiums: some are factors you can control; others are factors you can't control. Let's focus on the factors you can control.
Should I Wait Until My Auto Insurance Policy Expires to Switch Policies? What if I'd Like to Switch Companies?
Whether you've changed employers and now have access to less expensive auto insurance coverage, or you're simply unhappy with your current auto insurance provider, switching policies—or carriers—is simpler than you might think.
How Does my Deductible Affect my Premium?
Your premium is the amount you pay Allstate either twice a year, or in installments throughout the year.
What's the Difference Between Comprehensive and Collision Coverage?
Here's an easy way to understand the basic differences between Comprehensive and Collision coverage
Are There Things I Can Do to Lower my Premiums?
Many factors affect your premiums: some are factors you can control, others are factors you can't control. Let's focus on the factors you can control.
When Will my Tickets Disappear from my Driving Record?
Your driving record keeps close track of your behavior on the road. However, state laws vary widely when it comes to the length of time a moving violation remains active on your record.
What Happens During the Claims Process?
Whether you've been in a fender-bender or a major accident, filing an auto insurance claim with Allstate is easy.
Clarifying the Confusion: A Few Common Auto Insurance Misconceptions
Know what you have before you need it: a quick review of your auto insurance policy will remind you what's covered, and what's not.
Why is my premium different?
My Neighbor and I Drive the Same Car, but my Premium is Different. Why?
What Exactly Affects my Insurance Scores? And why does my Credit History Matter to Insurance Companies?
Your insurance score is a snapshot of how safe or risky you are to insure, and most insurance companies use it to help figure out your premium.
What Do I Do if I've Just Gotten Into an Accident?
Protect yourself first and foremost. Guard your safety and well-being in the moments after an accident. Listen to your body: if it hurts, don't move it.
Does My Policy Cover the Cost of a Rental Car if My Car is in the Shop?
Many people assume that rental car coverage is part of any auto insurance policy. But the truth is it's rarely automatically included.
What Kinds of Discounts Does Allstate Offer?
With discounts for safe driving, certain safety features, good students, and even for having more than one policy with Allstate, you might be surprised by how much you can save with Allstate.
Will My Policy Still Cover Me if I Get into an Accident Out of State or Out of the Country?
At Allstate, we've got you covered across the US and Canada—even in parts of Mexico.
How is my Premium Calculated?
Many factors combine to create your premium. We can help demystify things, and explain whats behind the most complex number in your policy.
Will Tickets Have an Impact on my Premiums?
Your driving record says a lot about you, its your resume for the road. Its also one of the first things that any insurance company will evaluate when considering you as a customer.
Should I Buy More Insurance than my State Requires?
State laws may not reflect the coverage thats right for you, which is why state required minimum limits could leave you less protected than you want to be.
I Know I Need Auto Insurance, But Where Do I Start?
Researching auto insurance can seem a bit daunting. We can help you shop smartly by clarifying some of the basics and offering valuable insights.
Do I Really Need Auto Insurance?
If you own or lease a car, auto insurance is as necessary as the fuel in your gas tank.

reductions in premiums, for higher mileage drivers searching about for the best deals at renewal time is an absolute must.

Unfortunately, last year five million motorists failed to shop around, missing out on an average premium saving of £180. Shopping around becomes especially important for anyone coming to the end of a free insurance offer on a dealership and should not simply take the quote offered by the manufacturer's insurer, as significant savings can be made by shopping around. Comparisons sites such as Moneynet enable consumers to quickly look at hundreds of insurance providers in one go, making it easy to find the best deals that are available, and they often have their own extra discounts which are provided through their own sites.

While the government tries to work out new ways to extract more money from motorists, the competitiveness of the insurance industry is thankfully helping to drive down the cost of insurance premiums, making it one of the few rays of hope for UK drivers.

Richard works in Edinburgh for a media company, occasionally writing for the personal finance blog Cashzilla, and drinking too much coffee.