Does a physical control violation affect auto insurance rates?
Physical control violation auto insurance is similar to DUI insurance, but instead of driving while intoxicated, violators are charged with being inside or near the vehicle while intoxicated. How does a physical control violation affect auto insurance? It will increase your rates up to 41%.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Sep 4, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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It’s possible to get a DUI charge if you’re just sleeping in your vehicle while intoxicated with the keys in the ignition. It sounds crazy, but this is just one of a number of different circumstances that can result in a physical control violation on your record.
Does a physical control violation increase affect auto insurance rates? The bad news is that it will raise your rates, but the good news is that it won’t be as high as your insurance rates after a DUI or DWI. DUI insurance can be quite costly.
Although physical control violations lead to higher insurance rates, you can still find ways to save on auto insurance. Having a physical control violation on your record doesn’t mean you have to pay excessively for car insurance. Continue reading to discover how physical control violations are defined in your state, the difference between actual physical control and DUI, and how it affects your auto insurance rates, including those with Allstate DUI insurance rates.
- You can be convicted of physical control of a vehicle if you’re intoxicated and in physical contact with the car, even if you’re not driving
- Physical control convictions can add points to your license and may result in fees or even a suspended license
- You’ll still be eligible for auto insurance discounts that can help reduce any rate increases after a physical control violation
Physical Control Violations Defined
State laws will often vary on their definition of physical control, but most DUI laws note six common factors that should be considered when determining whether someone can be accused of a physical control DUI:
- Where the driver was in the vehicle
- Where the key was located within the vehicle
- If the engine was running
- Where the vehicle was parked and who drove it there
- If the vehicle was rendered mechanically inoperable at the time
- How easily that mechanical disability could have been fixed by the defendant
If you’re facing a charge for physical control while under the influence, you must fulfill specific criteria to regain your driving privileges. This often includes having your license suspended, paying a reinstatement fee, and providing current proof of auto insurance. This process is similar to the requirements for a DUI, though it specifically addresses physical control vs DUI situations. Additionally, if you need to secure motorcycle insurance after a DUI, the reinstatement steps will also apply.
Read More: How to Get Instant Auto Insurance Proof
Insurance requirements and fees for a physical control violation can differ depending on your location. For instance, in Ohio, a physical control charge is classified as a first-degree misdemeanor. This can result in penalties such as up to 180 days in jail, fines reaching $1,000, and mandatory drug or alcohol treatment. If you’re wondering whether a reasonable control charge in Ohio can be expunged, the answer is yes, though it involves meeting certain criteria. The physical control charge Ohio punishment can significantly impact your legal and insurance situations.
If you’re looking for ways to contest a physical control charge in Ohio, it won’t be straightforward. You’ll need to demonstrate that you had no intention of driving. Keep in mind that a CMP violation auto insurance claim can be complex, and having even one DUI ticket can raise your auto insurance rate by nearly 127%.
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How a Physical Control Violation Affects Auto Insurance Rates
Auto insurance for drivers with a bad driving record is more expensive. The following table shows average rates with a clean record versus rates after getting just one DUI.
Sports Car Auto Insurance Rates by Driving Record
Insurance Company | Clean Record | One Accident | One Speeding Ticket | One DUI |
---|---|---|---|---|
AAA | $250 | $400 | $320 | $600 |
Allstate | $222 | $356 | $280 | $520 |
American Family | $200 | $350 | $250 | $400 |
Erie | $230 | $380 | $300 | $550 |
Farmers | $271 | $390 | $320 | $650 |
Liberty Mutual | $278 | $420 | $350 | $720 |
Nationwide | $200 | $350 | $250 | $450 |
Progressive | $280 | $450 | $380 | $700 |
State Farm | $150 | $300 | $200 | $400 |
Travelers | $250 | $400 | $320 | $600 |
Rates can rise between 17% and 127% with a single DUI conviction. In comparison, physical control violations generally lead to a smaller increase in auto insurance rates. This is because a physical control charge involves being inside a vehicle while intoxicated rather than actively driving. Despite this, insurance premiums will still be higher than average due to the increased risk associated with the physical control of a motor vehicle under the influence. It’s important to note that physical control is not as severe as reckless operation but will still impact your insurance rates.
How to Save Money on Auto Insurance After a Physical Control Violation
Even though car insurance for an impaired driver is likely to increase after a physical control violation, you may still be eligible for some discounts to help lower it back down. The table below shows just a sample of discounts you may be able to get.
Auto Insurance Discounts by Company
Discount Name | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
---|---|---|---|---|---|---|---|---|---|---|
Adaptive Cruise Control | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
Adaptive Headlights | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
Anti-lock Brakes | 10% | ✓ | ✓ | 5% | 5% | 5% | ✓ | 5% | ||
Anti-Theft | 10% | ✓ | 23% | 20% | 25% | ✓ | 15% | |||
Claim Free | 35% | ✓ | ✓ | 26% | ✓ | 10% | ✓ | 15% | 23% | 12% |
Continuous Coverage | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | ||
Daytime Running Lights | 2% | ✓ | 3% | 5% | 5% | ✓ | ✓ | |||
Defensive Driver | 10% | 10% | ✓ | ✓ | 10% | 5% | 10% | 5% | 10% | 3% |
Distant Student | 35% | ✓ | ✓ | ✓ | ✓ | 10% | ✓ | 7% | ||
Driver's Ed | 10% | ✓ | ✓ | ✓ | 10% | ✓ | 10% | 15% | 8% | 3% |
Driving Device/App | 20% | 40% | ✓ | ✓ | 30% | 40% | 20% | 50% | 30% | 5% |
Early Signing | 10% | ✓ | ✓ | ✓ | ✓ | 8% | ✓ | ✓ | 10% | 12% |
Electronic Stability Control | 2% | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
Emergency Deployment | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ | ✓ | |
Engaged Couple | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Family Legacy | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 10% |
Family Plan | ✓ | ✓ | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ |
Farm Vehicle | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
Fast 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Federal Employee | ✓ | ✓ | 12% | 10% | ✓ | ✓ | ✓ | ✓ | ||
Forward Collision Warning | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
Full Payment | 10% | ✓ | ✓ | $50 | ✓ | ✓ | ✓ | 8% | ✓ | |
Further Education | ✓ | ✓ | 10% | 15% | ✓ | ✓ | ||||
Garaging/Storing | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 90% | ||
Good Credit | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
Good Student | 20% | ✓ | 15% | 23% | 10% | ✓ | 25% | 8% | 3% | |
Green Vehicle | 10% | ✓ | 5% | ✓ | 10% | ✓ | ✓ | ✓ | 10% | ✓ |
Homeowner | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | 3% | 5% | ✓ | |
Lane Departure Warning | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
Life Insurance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Low Mileage | ✓ | ✓ | ✓ | 30% | ||||||
Loyalty | ✓ | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | |
Married | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
Membership/Group | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | |||
Military | ✓ | ✓ | 15% | 4% | ✓ | ✓ | ||||
Military Garaging | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% |
Multiple Drivers | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Multiple Policies | 10% | 29% | ✓ | 10% | 20% | 10% | 12% | 17% | 13% | |
Multiple Vehicles | ✓ | ✓ | 25% | 10% | 20% | 10% | 20% | 8% | ||
New Address | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
New Customer/New Plan | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
New Graduate | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
New Vehicle | 30% | ✓ | ✓ | 15% | ✓ | 40% | 10% | 12% | ||
Newly Licensed | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
Newlyweds | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
Non-Smoker/Non-Drinker | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Occasional Operator | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
Occupation | ✓ | 10% | 15% | ✓ | ✓ | ✓ | ||||
On-Time Payments | 5% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | |
Online Shopper | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 7% | ✓ | ✓ | ✓ |
Paperless Documents | 10% | ✓ | ✓ | ✓ | 5% | $50 | ✓ | ✓ | ✓ | |
Paperless/Auto Billing | 5% | ✓ | ✓ | ✓ | $30 | ✓ | $20 | 3% | 3% | |
Passive Restraint | 30% | 30% | 40% | 20% | ✓ | 40% | ||||
Recent Retirees | ✓ | ✓ | ✓ | ✓ | 4% | ✓ | ✓ | ✓ | ✓ | ✓ |
Renter | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Roadside Assistance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Safe Driver | 45% | ✓ | 15% | ✓ | 35% | 31% | 15% | 23% | 12% | |
Seat Belt Use | ✓ | ✓ | ✓ | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | |
Senior Driver | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
Stable Residence | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
Students & Alumni | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | ✓ | ||
Switching Provider | ✓ | ✓ | 10% | ✓ | ✓ | ✓ | ✓ | |||
Utility Vehicle | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
Vehicle Recovery | 10% | ✓ | ✓ | 15% | 35% | 25% | ✓ | 5% | ||
VIN Etching | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | |||
Volunteer | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Young Driver | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | $75 |
The best way to save on car insurance for a physical control violation is to shop around. Get quotes from the best auto insurance companies for high-risk drivers near you to find affordable auto insurance after a physical control violation.
Physical Control Violations Will Show Up on Auto Insurance Background Checks
How long does physical control stay on your driving record? That depends on where you live and how many previous violations you have on your record.
In general, physical control violations stay on record for up to five years, and auto insurance companies will likely only go back three years or so, depending on state laws.Dani Best Licensed Insurance Producer
The background check will probably cease to pull it in after a few years, at which point your insurance rates should decrease. But it’s important to note that certain states keep a DUI on your record for 15 years, which will cause the DUI to affect your auto insurance.
Learn More: How Auto Insurance Companies Check Driving Records
Get Affordable Auto Insurance with a Physical Control Violation
DUIs and physical control violations affect auto insurance rates, but it’s still possible to find cheap auto insurance when you comparison shop online. You can get free quotes from multiple insurers in your area with our comparison tool below.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
What is physical control under the influence?
Physical control under the influence refers to being inside a vehicle while intoxicated. Factors such as proximity to the vehicle’s controls and intent to drive may determine whether a physical control charge applies.
Does a physical control violation affect auto insurance rates?
Yes, a physical control violation can increase your insurance rates up to 41% with points on your license. However, it is not as severe as a DUI conviction, which can raise rates up to 127%.
Is a physical control charge better than an OVI for auto insurance?
There is a difference between a physical control charge and an OVI. While both involve being intoxicated in or near a vehicle, an OVI is more similar to a DUI, indicating actual operation of the vehicle. Auto insurance rates may be affected differently based on the specific charge.
Can you be charged with a DUI if you’re just sleeping in your car?
Yes, in certain circumstances, such as having the keys in the ignition, you can be charged with a DUI even if you’re not actively driving the vehicle. Laws regarding this vary by jurisdiction.
Does a physical control violation show up on a background check for auto insurance?
Physical control violations may appear on your driving record, which is often considered during background checks for auto insurance. The duration that it remains on your record depends on the state, typically up to three years.
What are three factors that affect auto insurance rates?
Driver age, location, and driving record have the biggest impact on auto insurance rates.
What is one major cause of higher auto insurance rates?
Violations on your driving record, including speeding tickets, physical control violations, and DUIs, will raise your insurance rates more than other variables.
What are three things drivers should consider when choosing auto insurance after a physical control violation?
Drivers with physical control violations should look for high-risk auto insurance companies that specialize in DUI insurance and don’t check credit scores.
What can you do to make your auto insurance rates go down after a physical control violation?
Asking for discounts and maintaining a safe driving record can help reduce your auto insurance rates after a physical control charge or other moving violation.
Which gender pays more for auto insurance?
Men typically pay higher insurance rates than women.
How do companies assess risk for auto insurance?
Auto insurance companies check your driving history, criminal history, claims history, and credit history to determine your risk as a driver.
Why did my auto insurance rates go up?
Auto insurance companies assess your policy every year, and your rates might go up if your driving record changes, you buy a new vehicle, or crime and auto theft rates in your area increase.
Does physical control increase insurance rates?
Yes, a physical control violation can increase insurance rates. While not as severe as a DUI, it typically raises premiums by up to 41%, depending on the insurer and other factors.
How long does a physical control violation stay on your record in Ohio?
In Ohio, a physical control misdemeanor can stay on your driving record for up to three years. The duration of this record may vary depending on specific circumstances and any additional violations. This applies to both the Ohio physical control charge and Ohio physical control penalties.
How to beat a physical control charge in Ohio?
To contest a physical control charge in Ohio, you need to prove that you had no intention of operating the vehicle and that you were not in control of it. Seeking legal counsel from a qualified attorney can be crucial for developing a defense tailored to the details of your case. This can also be important in situations where car insurance is out of control, as having a strong defense may help mitigate related insurance impacts.
Does DUI diversion affect car insurance?
Yes, participating in a DUI diversion program can affect car insurance rates. While it might help in avoiding a DUI conviction on your record, insurance companies may still consider the diversion program and associated risk, potentially leading to higher premiums.
What does physical control mean?
Physical control refers to being in or near a vehicle while intoxicated, even if you are not actively driving. It implies having control over the vehicle or its operation, such as having keys in the ignition.
Is physical control a criminal offense?
Yes, physical control can be considered a criminal offense. The severity of the offense and its classification (e.g., misdemeanor) depends on state laws and the circumstances of the violation.
Is physical control a misdemeanor?
In many jurisdictions, including Ohio, physical control is classified as a misdemeanor. The specific degree of the misdemeanor can vary based on the state and prior offenses.
What is a physical control charge in Ohio?
In Ohio, a physical control charge occurs when a person is found inside or near a vehicle while intoxicated, with the keys in the ignition or otherwise in control of the vehicle. It is classified as a first-degree misdemeanor.
Which factors affect one’s car insurance premium?
Several factors can affect car insurance premiums, including driving record, age, location, type of vehicle, credit history, and specific violations such as DUIs or physical control charges.
Does insurance cover driving under the influence?
No, standard auto insurance policies generally do not cover damages if the driver was under the influence of alcohol or drugs. Insurance companies may deny claims and may also cancel or refuse to renew your policy if you’re caught driving while intoxicated.
How long do traffic tickets affect insurance in California?
Traffic tickets can affect your insurance rates in California for up to three to five years, depending on the severity of the violation and your driving history. Insurers may review your driving record periodically during this time.
What does it mean if a premium is not listed next to a coverage that is shown?
If a premium is not listed next to a coverage that is shown, it means the cost for that particular coverage is not specified in the quote or policy document. It could be included in a lump sum or may require additional clarification from the insurer.
What is the definition of physical control?
Physical control refers to being in or near a vehicle while intoxicated, with the ability to operate or control the vehicle, even if not actively driving. This typically includes having the keys in the ignition or being in the driver’s seat.
What does a physical control charge mean in Ohio?
In Ohio, a physical control charge means being found in or near a vehicle while under the influence of alcohol or drugs, with the keys in the ignition or otherwise in a position to operate the vehicle. It is considered a first-degree misdemeanor.
Do old tires invalidate insurance?
Yes, old or worn-out tires can potentially invalidate insurance if they are deemed unsafe and a contributing factor to an accident. It is essential to maintain your vehicle in good condition to ensure coverage remains valid.
Which risks are covered through insurance?
Insurance typically covers a range of risks depending on the policy, including damages from accidents, theft, fire, natural disasters, and liability for injuries or property damage. Specific coverage details depend on the type of insurance and policy terms.
Does 1 point affect insurance in California?
Yes, accumulating 1 point on your driving record in California can affect your insurance rates. Points generally lead to higher premiums as they indicate a higher risk to insurers.
Do red light camera tickets affect insurance in California?
Yes, red light camera tickets can affect your insurance rates in California. These tickets usually result in points on your driving record, which can lead to increased insurance premiums.
Do unpaid traffic tickets expire in California?
Unpaid traffic tickets do not expire. They remain on your record until they are paid, and failure to address them can lead to additional fines, a suspended license, or other legal consequences.
What happens if you don’t pay the premium?
If you don’t pay your insurance premium, your policy may be canceled or suspended. This means you will lose coverage, and you may face difficulties obtaining insurance in the future.
What happens if you have no insurance but the other driver was at fault in California?
If you have no insurance but the other driver is at fault, you may still face legal and financial consequences, including fines and potential legal action. You can seek compensation from the at-fault driver’s insurance, but having no coverage may complicate the process and result in additional liabilities.
Can physical control be expunged in Ohio?
In Ohio, a physical control charge can potentially be expunged, but this process requires meeting specific eligibility criteria and filing a formal request with the court. It is advisable to consult with a legal professional to understand the expungement process and requirements.
How long does a domestic violence charge stay on your record in Ohio?
A domestic violence charge can stay on your criminal record indefinitely unless it is expunged. The record can affect background checks and legal proceedings for an extended period, depending on the nature of the case and subsequent actions.
Does your license get suspended for physical control in Ohio?
Yes, a physical control violation in Ohio can result in a license suspension. The length of the suspension can vary based on the specifics of the violation and any prior offenses.
What is the cost of cheap SR22 insurance in Oregon?
The cost of cheap SR22 insurance in Oregon can vary depending on several factors, including your driving history, the type of coverage you need, and your insurer. On average, you might expect to pay higher premiums if you require SR22 insurance due to a driving violation. It’s best to compare quotes from multiple providers to find the most affordable option for your specific situation.
What is the cost of SR22 insurance in Iowa?
The cost of SR22 insurance in Iowa typically depends on your driving record and the insurance company you choose. Generally, SR22 insurance in Iowa can be more expensive than standard auto insurance due to the high-risk nature of the coverage. To get an accurate cost, it’s recommended to request quotes from various insurers.
What is AAA Insurance’s policy for DUI?
AAA Insurance’s policy for DUI often includes higher premiums and potentially stricter terms for drivers with DUI convictions. The specifics of the policy can vary by state and individual circumstances. It is advisable to contact AAA directly or consult their website for detailed information on their DUI policy and how it might impact your insurance coverage.
What are the consequences of a physical control charge in Washington State?
In Washington State, a physical control charge can lead to significant legal and insurance consequences. Penalties may include fines, potential jail time, and a license suspension. Additionally, having a physical control charge on your record can increase your auto insurance rates, as it is considered a serious offense by insurers.
What is Erie Insurance’s policy for DUI?
Erie Insurance’s policy for DUI generally involves increased premiums and possible coverage restrictions for drivers with DUI convictions. The specifics of Erie Insurance’s DUI policy can vary based on the state and individual case details. For precise information, contacting Erie Insurance directly or reviewing their policy documentation is recommended.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.