8 Questions to Ask Yourself About Your Car Insurance

Make sure your car coverage reflects your needs and budget

The vehicle you own, your personal priorities and your budget all factor into your unique auto insurance needs. Before comparing policies and insurers, evaluate how you use your car and what risks you face to figure out what options make the best sense for you.
1. How much do you drive?
Do you absolutely need your car every day—for instance, to commute to work or drive the kids to school and activities? Do you drive 100 miles a month or closer to 1,000 or more? Make sure your policy reflects how much you use your car. If you don’t drive a lot, you may want to opt for mileage-based insurance.

2. Will you be using your car for work?
If you use your car not just to get to work, but to perform tasks for which you get paid, commercial auto insurance is a necessity. A personal auto policy will not provide coverage if you transport paying passengers through a ride-share service, deliver pizzas, drive as a courier or use your car for other commercial activities.

3. What type of car do you drive?
Insurers have mountains of data, and they know in precise detail what types of cars, makes and models are more—or less—likely to incur claims. A flashy sports car with a powerful engine may be more likely to be stolen and its bodywork costs will be more than on a mid-sized sedan—and your insurance will be priced accordingly. Some types of cars—such as modified or classic cars—require special insurance. By the same token, you may receive discounts if you have a "safe" car—one with the latest safety features and a good safety record.

4. How much do you love your car?
If you love the way your vehicle looks and take pride in its appearance, you’ll likely want it fixed perfectly—or replaced with the same model—if it gets damaged. That means you'll probably to consider the fullest range of insurance—including collision, comprehensive and glass coverage. On the other hand, if you drive a beater, see cars merely as transportation and want to save on premiums, you might prefer to limit your policy to liability.

5. Where do you live—and park your car?
Where you live will impact your insurance rates—and it may be a factor in what coverage you purchase. For example, cars parked on the street in urban areas face a greater risk for theft or vandalism, so comprehensive coverage might be a good option. You may discover that your premium rates are lower if you move from a city to a suburb.

6. Who else will be driving the car?
Generally, your car insurance will cover other occasional drivers. However, if other drivers live with you and use your car—whether a spouse, a teen driver or a housemate—they should be listed on your policy.

7. What are your legal obligations?
Nearly every state requires that you carry minimum liability coverage for your car. At the very least, you need to make sure your policy complies with Kansas mandates. However, the levels of required coverage are generally pretty low. Keep in mind that, if you are involved in a serious accident, you may be sued for a large sum of money. Depending on your assets and financial risk tolerance, to be safe, you’ll probably want to purchase a higher level of liability coverage.

8. Is your car financed or leased?
If you still owe money on your car or have to return it in good condition when a lease expires, you’ll likely be required to insure the car for its full value—and even for any gap between what you owe and the car’s market value. Collision and comprehensive will cover damage to your car—and supplemental gap insurance will cover the rest.
Keep in mind that your insurance options and costs will also be affected by your age, gender and driving record. Be aware too that your credit score can also impact your insurance rates. Once you’ve looked at your needs and priorities, and understood how insurance options will match them, you’ll be better prepared to make an informed decision about the types and levels of coverage to buy.

SOURCE: Insurance Information Institute (www.iii.org)
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Springing Forward: Love It or Loathe It? Ah, daylight saving time—it’s that annual event where we all collectively grumble about losing an hour of sleep but secretly love the extra evening sunshine. March rolls in, and suddenly, our days feel longer (even if our mornings feel a little rougher). But why do we even mess with the clocks in the first place? And is this whole time shift actually doing us any favors? Let’s dive into the quirks, perks, and questionable logic behind daylight saving time! A Brief History of Daylight Saving Time The idea of daylight saving time isn’t new. It dates back to the early 20th century, when countries like Germany and the United Kingdom implemented it during World War I to conserve fuel. The idea was simple: by shifting the clocks forward in the spring, people would make better use of natural daylight during the evening hours, reducing the need for artificial lighting. In the U.S., daylight saving time became widespread during World War II and was formalized with the Uniform Time Act of 1966. While the specifics of when and how DST is observed can vary from country to country, the concept remains the same: adjust the clocks to maximize daylight during the warmer months. The Science Behind the Shift Daylight saving time operates on a fairly simple principle: moving the clocks forward by one hour in the spring and setting them back in the fall allows us to "gain" more daylight during the evening. This shift is based on the Earth’s tilt and the way it orbits the Sun. In the spring, the days get longer as we approach the summer solstice, so DST aligns with the natural increase in daylight. It helps ensure that more of that daylight falls during the hours we are awake and active, providing more opportunities for outdoor activities after work or school. Benefits of Daylight Saving Time While the initial transition to DST can disrupt our sleep patterns, research suggests that the long-term benefits are significant: More Daylight for Outdoor Activities The most obvious benefit is the extended daylight hours. After months of shorter days, having more sunlight in the evening can lead to increased physical activity. People tend to spend more time outdoors, walking, biking, or participating in sports, which can boost physical health and mood. Increased Energy Efficiency By reducing the need for artificial lighting, DST has the potential to reduce energy consumption. Though modern energy consumption patterns have changed, with more people using energy-efficient lighting and digital devices, the shift still has a measurable impact, particularly in regions that rely heavily on electricity for lighting. Improved Mental Health The added daylight can have a positive effect on our mental health. Exposure to natural light increases serotonin levels in the brain, which can improve mood and overall well-being. Longer evenings mean more time to relax outdoors, which can also help reduce stress levels and enhance happiness. Boost to the Economy DST can also have a positive effect on the economy. With more daylight in the evening, people are more likely to go out and shop, dine, or participate in recreational activities. This boost in consumer activity can be beneficial for local businesses, especially those in the tourism and retail industries. The Controversy: The Disruptive Effect of the Time Change Despite these benefits, the transition to daylight saving time is not without its drawbacks. The change can disrupt our sleep cycles, which may lead to increased fatigue and even a temporary dip in productivity. Some studies have shown that the period immediately after the time change is associated with a slight uptick in heart attacks and traffic accidents, possibly due to the disruption of our circadian rhythms. This shift also doesn’t work for everyone. For example, people in northern latitudes, where days are already long during the summer, may find little benefit from the extra hour of daylight. In fact, some places, like Arizona and Hawaii, have opted out of daylight saving time entirely due to its perceived inconvenience. Tips for Adjusting to Daylight Saving Time If you’re struggling with the time change, here are some tips to help ease the transition: Start Preparing Early : Gradually adjust your sleep schedule by going to bed and waking up 15 minutes earlier each day in the week leading up to DST. This can help minimize the shock to your system. Stay Active : Exposure to natural light and physical activity can help reset your internal clock. Try to get outside during daylight hours to ease the adjustment. Be Mindful of Your Sleep : Try to maintain a consistent sleep routine even during the adjustment period. Avoid caffeine and electronics before bedtime to ensure better sleep quality. Making the Most of More Sunlight Sure, daylight saving time has its fair share of haters, but there’s no denying the perks—more time for evening adventures, a boost in outdoor fun, and even a little energy savings. As we roll into March 2025, let’s lean into the longer days! Whether you’re basking in golden hour on an after-dinner walk, tackling those long-overdue outdoor projects, or just soaking up the extra sun, the “spring forward” shift is the perfect excuse to shake off the winter blues and embrace the brighter days ahead!