Frequently Asked Questions

To get an accurate quote, you'll need your driver's license, vehicle information (VIN, make, model, year), and details about your current insurance coverage. Having your current policy handy can help us provide more precise quotes.

You can get insured instantly! Once you select a policy, coverage can begin immediately. You'll receive your insurance ID cards via email within minutes, and physical cards will be mailed to you.

Absolutely! Getting quotes through AutoCareInsure is completely free with no strings attached. You can compare rates, review coverage options, and decide at your own pace without any pressure or hidden fees.

Liability coverage only pays for damage you cause to others. Full coverage includes liability plus comprehensive and collision coverage that protects your own vehicle from damage, theft, vandalism, and weather-related incidents.

Uninsured motorist coverage is highly recommended and required in many states. It protects you when you're in an accident with a driver who doesn't have insurance or doesn't have enough coverage to pay for your damages.

Your insurance rate is affected by factors including your age, driving record, credit score, location, vehicle type, coverage limits, and deductibles. Safe drivers with good credit typically qualify for lower rates.

You can file a claim 24/7 through your insurer's mobile app, website, or by calling their claims hotline. Report the incident as soon as possible, provide all necessary details, and follow up with any requested documentation.

We work with carriers that specialize in high-risk drivers. Even with accidents, tickets, or DUI convictions, we can help you find affordable coverage. Some insurers offer forgiveness programs and discounts for defensive driving courses.

Yes, you can typically cancel your current auto insurance policy at any time. Most insurers will provide a prorated refund for unused coverage. We recommend having your new policy active before canceling your current one to avoid any gaps in coverage.