Free Car Insurance Information

There are several places to get free car insurance information online. Each state has a Department of Insurance that regulates insurance in that state, and the state Department of Motor Vehicles can provide information about basic coverages that are required. Independent organizations offer answers to frequently asked questions along with tips on what coverage to purchase and how each type of coverage works for you.

State Department of Insurance

All states have a Department of Insurance, which may be known as the Division of Insurance or Bureau of Insurance, but they all serve to monitor and regulate all types of insurance coverage regardless of the name of the agency. There is no guarantee that your state will offer a great deal of information about car insurance, but in some states, such as Illinois, the Department of Insurance offers a wide range of helpful free information.

Department of Motor Vehicles

Each state's Department of Motor Vehicles is another source of free car insurance information. The information they provide is generally meant to inform drivers of the type and amount of car insurance they are required to carry. For example, the Florida Department of Highway Safety and Motor Vehicles provides vital information for people who need mandatory coverage, but it does not contain much data on elective coverages such as collision coverage.

Insurance Information Institute

The Insurance Information Institute is an organization that collects and processes insurance data of all types, including car insurance. The company website explains the basic types of car insurance and provides in-depth information such as vehicle crash test statistics. This organization conducts a number of independent tests and analyzes insurance information and claims reports to provide a broad understanding of insurance operations nationwide.

Center for Risk Management Insurance Research

The Center for Risk Management Insurance Research is based at Georgia State University and provides general car insurance information. The Center is focused on risk management and prediction for all types of insurance and provides a useful set of frequently asked questions for most types of coverage.

DMV.org

DMV.org is a website that gathers motor vehicle information for all 50 states at one location. The site provides explanations of the different types of car insurance, lists the minimum requirements for each state and provides a wide range of driver license information in addition to the information provided on car insurance. DMV.org does not provide any information that is not readily available at the Department of Motor Vehicles in each state, but the ability to research multiple localities at once is a useful tool.

References

• Illinois Department of Insurance: Shopping for Automobile Insurance
• Florida Department of Highway Safety and Motor Vehicles: Vehicle Insurance Questions and Answers
• DMV: Main Page
• Insurance Information Institute: Auto Insurance Basics
• Center for Risk Management Insurance Research: Private Passenger Automobile Insurance