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Car Insurance Questions and Answers

Car insurance can be a complicated subject, so we've provided answers to the most common questions about car insurance. Don't see your question here? Call 1-800-TITAN-UP and talk to an agent who will help you find the auto insurance information you need.

Is auto insurance required?

Yes, minimum auto insurance is required to operate a vehicle on public roadways in all 50 states.

How much coverage do I need?

The amount of coverage depends on several factors. Minimum coverage requirements vary by state, but all require liability coverage.  The limits you need and whether other coverage options are right for you will depend on your own situation.

Can I add or remove coverage options in the middle of a policy?

With a few exceptions that vary by state, most coverage options can be changed while your policy is in effect.  However, you must still maintain the state required minimum coverage.

How is my car insurance rate calculated?

Car insurance rates are determined by different factors, including the make, model, year and value of your vehicle; your driving record; and where you live.

How do I find the cheapest car insurance?

The cheapest insurance coverage is usually the state required minimum, However buying the minimum can be more expensive in the long run if you're in an accident and have to pay more for repairs out-of-pocket. To find the cheapest plan that keeps you covered, call Titan Insurance at 1-800-TITAN-UP.

What is no-fault insurance?

No-fault insurance - or Personal Injury Protection coverage (PIP) as it is called in some states – provides coverage after an accident regardless of whether the driver is at-fault.

Do leased or financed vehicles require special coverage?

Generally, not. However, the bank or other holder of the loan may require a minimum amount of insurance coverage. You also have the option of buying "gap coverage," which pays the difference between the value of your vehicle and the remaining balance of the loan if it is totaled.

The provided information and safety suggestions were obtained from sources believed to be reliable and is intended for informational purposes only. Titan and its affiliates assume no liability in connection with providing it or your use of it. Your circumstances may not warrant or require some or all of the safety suggestions, and there may be additional available safety procedures that are not referenced on this webpage.

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Why Titan?

We know that you have choices when it comes to choosing an auto insurance company.

Why choose Titan?

Here are four good reasons

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©2014 THI Holdings (Delaware), Inc. & Affiliated Companies. All Rights Reserved. Home Office: Cleveland, OH 44122. California Producer License #0E86569.

Titan Insurance, design, superhero and Savings without the Sacrifice are service marks of THI Holdings (Delaware), Inc. Nationwide Insurance is a service mark of Nationwide Mutual Insurance Company. Price based on March 2010 analysis of available national data for liability-only policies. Subject to underwriting guidelines, review and approval.


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