Best Auto Insurance Companies That Don’t Charge Late Fees in 2025 (Top 10 Providers)
Amica, USAA, and Geico are the best auto insurance companies that don't charge late fees for missed payments. USAA offers the cheapest rates starting at $59 monthly. It also offers auto-pay car insurance discounts of 3%. Avoid auto insurance late fees with automatic bill pay.
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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
UPDATED: Feb 4, 2025
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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.
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: Feb 4, 2025
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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Company Facts
Full Coverage With no Late Fees
A.M. Best Rating
Complaint Level
Pros & Cons
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Company Facts
Full Coverage With no Late Fees
A.M. Best Rating
Complaint Level
Pros & Cons
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Company Facts
Full Coverage With no Late Fees
A.M. Best Rating
Complaint Level
Pros & Cons
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Amica, USAA, and Geico are the best auto insurance companies that don’t charge late fees. They even offer small discounts if you sign up for automatic payments, reducing your risk of having late payments.
These companies offer grace periods that help drivers avoid lapses in coverage, keeping rates stable. USAA caters to military families, while Geico excels in digital payment management.
Amica stands out for its customer-friendly billing policies that eliminate late fees. Choosing a provider with no late penalties ensures financial flexibility and uninterrupted coverage.
Our Top 10 Picks: Best Auto Insurance Companies That Don't Charge Late Fees
Insurance Company | Rank | Safe Driver Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 25% | A+ | Customer Service | Amica | |
#2 | 15% | A++ | Military Families | USAA | |
#3 | 25% | A++ | Online Services | Geico | |
#4 | 20% | A++ | Financial Stability | Auto-Owners | |
#5 | 30% | A+ | Personalized Service | Erie | |
#6 | 25% | A+ | AARP Members | The Hartford | |
#7 | 10% | A+ | Coverage Options | Nationwide | |
#8 | 30% | A+ | Innovative Solutions | Progressive | |
#9 | 30% | B | Agent Network | State Farm | |
#10 | 25% | A | Various Options | Liberty Mutual |
You can find other auto insurance companies that don’t penalize for a lapse in coverage below. If you had a late payment and lapse in coverage, try our comparison tool to find the cheapest auto insurance after a lapse in coverage.
- Amica is the best company that doesn’t charge late fees
- USAA and Geico also don’t penalize with late fees
- Frequent late payments may result in being dropped
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#1 – Amica: Top Pick Overall
Pros
- Customer Service: Amica has solid customer service ratings, and some companies that don’t charge late fees also provide highly rated support. Discover more in our Amica auto insurance review.
- Discounts: Amica offers a variety of discounts, which you can explore in our article on Amica auto insurance discounts.
- Add-On Coverages: Amica provides rideshare insurance, gap insurance, and other optional coverages, similar to companies that don’t charge late fees and offer flexible policy options.
Cons
- Not Available in Hawaii: Amica sells auto insurance in all states except Hawaii.
- Annual Policy Availability: Amica doesn’t offer 12-month policies in most states, but some companies that don’t charge late fees provide longer policy terms for added convenience.
#2 – USAA: Best for Military Families
Pros
- Military Families: USAA provides top-tier coverage and competitive rates for military families, similar to companies that don’t charge late fees, ensuring affordability without added penalties.
- Non-Auto Discounts: USAA members receive exclusive discounts on shopping and travel, focusing on helping policyholders save beyond their insurance plans. Explore more of our USAA auto insurance review.
- Coverage Options: USAA offers a wide range of auto insurance coverages, just like companies that don’t charge late fees, which provide flexible policy options without extra costs for late payments.
Cons
- Eligibility: USAA coverage is limited to military members and veterans, but some companies that don’t charge late fees offer strong alternatives for a broader range of drivers.
- Mainly Virtual Communication: USAA operates primarily online, making in-person service less accessible, though many companies that don’t charge late fees also provide digital customer support to keep policyholders informed of their payments.
#3 – Geico: Best for Online Services
Pros
- Online Services: Geico’s app lets customers file claims and manage policies, similar to companies that don’t charge late fees, which also prioritize seamless digital access.
- Financial Stability: Geico is one of the largest and most financially stable insurers, ensuring reliability for policyholders. Learn about its financial ratings in our Geico auto insurance review.
- Discount Options: Geico offers various discounts for drivers, much like companies that don’t charge late fees, which also help customers save on overall costs.
Cons
- UBI Availability: Geico doesn’t offer its UBI discount in every state, but some companies that don’t charge late fees provide more widespread availability.
- Virtual Communication: Geico has fewer local agents than competitors, though companies that don’t charge late fees often provide strong online support for policyholders.
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#4 – Auto-Owners: Best for Financial Stability
Pros
- Financial Stability: Auto-Owners has strong financial stability ratings, similar to companies that don’t charge late fees, which offer dependable coverage without penalty concerns.
- Local Agents: Most customers can find a local agent nearby, ensuring personalized service and policy management. Read more about these ratings in our Auto-Owners auto insurance review.
- Accident Forgiveness: Auto-Owners rewards good drivers with accident forgiveness, just like companies that don’t charge late fees, providing policy benefits to responsible drivers.
Cons
- Agent-Only Quotes: Auto-Owners doesn’t offer online auto insurance quotes, but some companies that don’t charge late fees provide digital tools for easy comparisons.
- Availability: Auto-Owners’ auto insurance isn’t available in every state, limiting options for some drivers.
#5 – Erie: Best for Personalized Service
Pros
- Personalized Service: Erie’s agents assist customers in creating customized policies, similar to companies that don’t charge late fees, which also prioritize flexible policy options.
- Rate Lock: Erie’s rate lock is a major benefit for customers, providing stable pricing regardless of claim history. Find out more in our Erie auto insurance review.
- Discount Options: Erie offers good student discounts and diminishing deductibles, similar to companies that don’t charge late fees, which helps drivers save in multiple ways.
Cons
- Availability: Erie isn’t available in all states, but some companies that don’t charge late fees offer nationwide coverage.
- UBI Availability: Erie’s UBI program isn’t offered in every state where it sells auto insurance, limiting potential savings for some drivers.
#6 – The Hartford: Best for AARP Members
Pros
- AARP Members: The Hartford is a strong choice for AARP members, similar to companies that don’t charge late fees, which also offer tailored benefits for senior drivers.
- Accident Forgiveness: Safe drivers can take advantage of The Hartford’s accident forgiveness, helping to maintain lower rates after an accident. Learn more in our review of The Hartford auto insurance.
- Coverage Options: Customers can customize policies to fit their needs, just like companies that don’t charge late fees, which provide flexible coverage without penalty risks.
Cons
- Best for Older Drivers: Younger drivers won’t find the cheapest rates at The Hartford, but some companies that don’t charge late fees offer competitive pricing across age groups.
- Customer Ratings: The Hartford has received some negative customer satisfaction ratings, particularly regarding claims handling and service responsiveness.
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#7 – Nationwide: Best for Coverage Options
Pros
- Coverage Options: Nationwide provides a variety of auto coverages, similar to companies that don’t charge late fees, which also offer flexible policy options.
- Vanishing Deductibles: Nationwide reduces deductibles for safe drivers, helping them save over time. Read more about it in our Nationwide auto insurance review.
- Discount Options: Nationwide offers discounts for good drivers and students, much like companies that don’t charge late fees, which provide multiple ways to lower costs.
Cons
- Availability: Nationwide isn’t available in every state, but some companies that don’t charge late fees offer broader coverage.
- DUI Drivers: Nationwide’s rates for DUI drivers aren’t as competitive as some insurers, making it less ideal for high-risk drivers.
#8 – Progressive: Best for Innovative Solutions
Pros
- Innovative Solutions: Progressive offers unique tools like the Name Your Price Tool, similar to companies that don’t charge late fees, which provide flexible pricing options.
- Add-On Coverages: Progressive includes extras like pet coverage, allowing customers to customize their policies to fit their needs. Learn more in our Progressive auto insurance review.
- Availability: Progressive sells auto insurance in every state, just like some companies that don’t charge late fees, ensuring broad accessibility for drivers.
Cons
- UBI Rate Increases: Progressive’s UBI program may raise rates for drivers who score poorly, whereas some companies that don’t charge late fees offer more forgiving usage-based pricing.
- Mixed Reviews: Progressive’s customer satisfaction ratings are only average, meaning service experiences may vary.
#9 – State Farm: Best for Agent Network
Pros
- Agent Network: State Farm has one of the strongest local agent networks, similar to companies that don’t charge late fees and prioritize accessible customer service.
- Financial Stability: The company holds high financial stability ratings, ensuring reliable coverage for policyholders. You can learn more about it in our State Farm auto insurance review.
- Coverage Options: Allows policy customization with various add-ons and deductible choices, just like companies that don’t charge late fees, which offer flexible coverage without penalty risks.
Cons
- Agent-Only Purchases: State Farm doesn’t offer online policy purchases, but some companies that don’t charge late fees provide digital tools for convenient enrollment.
- UBI Availability: State Farm’s UBI program discount isn’t available in a few states, limiting potential savings for some drivers.
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#10 – Liberty Mutual: Best for Various Options
Pros
- Various Options: Liberty Mutual offers a range of insurance options for easy policy customization, similar to companies that don’t charge late fees and provide flexible coverage choices.
- Discount Options: Liberty Mutual provides bundling and good driver discounts, helping policyholders save on premiums. Read more about its discounts in our review of Liberty Mutual auto insurance.
- Financial Stability: Liberty Mutual has strong financial ratings, much like companies that don’t charge late fees, which offer reliability without penalty concerns.
Cons
- UBI Availability: Liberty Mutual’s safe driving discount isn’t available in all states, but some companies that don’t charge late fees offer more widespread UBI programs.
- Customer Ratings: The company has received negative customer ratings, particularly regarding claims processing and support.
What to Do When You Miss an Auto Insurance Payment
If you miss an auto insurance payment, correcting the issue as soon as possible is important. If you don’t make a payment before the company’s grace period ends, it will drop you as a customer. This will result in a lapse of coverage, raising your future auto insurance rates.
If you are considering missing an auto insurance payment because you can’t afford to pay it, speak to your auto insurance company as soon as possible. An agent may be able to help you adjust coverages to make payments more affordable (Read more: What to do if You Can’t Pay Your Auto Insurance).
Pay Premiums on Time to Save Money on Auto Insurance
There are quite a few discounts offered that center around payments. Paying online, paying in full, and other payment methods can earn you a discount.
Autopay is a great way to avoid late payments and earn discounts. Read more on how to get an electronic automatic billing auto insurance discount. Paying automatically each month is often the best choice for most drivers.
If you aren’t sure how much your monthly automatic payments should be, below are the average month-by-month car insurance rates at the best companies that don’t charge late fees.
Auto Insurance Monthly Rates From Companies That Don’t Charge Late Fees
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
$46 | $151 | |
$33 | $87 | |
$22 | $58 | |
$30 | $80 | |
$68 | $174 | |
$45 | $115 | |
$44 | $105 | |
$33 | $86 | |
$43 | $113 | |
$22 | $59 |
Most companies, such as Geico auto bill pay, make it easy to set up auto-pay no matter which coverage you purchase. They also offer plenty of discounts besides payment discounts that will help lower your rates.
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Top Auto Insurance Discounts From Companies Without Late Fees
Finding auto insurance that rewards responsible driving while skipping late fees can feel like striking gold. This guide breaks down the most notable insurers that deliver these benefits, emphasizing cost-cutting opportunities across multiple categories.
Auto Insurance Discounts From Top Companies That Don’t Charge Late Fees
Insurance Company | Available Discounts |
---|---|
Safe Driver, Loyalty, Multi-Vehicle, Paid-in-Full Discount | |
Safe Driver, Bundling, Teen Driver, Green | |
Safe Driver, Low Mileage, Bundling, Safety Features | |
Safe Driver, Multi-Vehicle, Defensive Driving, Good Student | |
Safe Driver, Bundling, Multi-Vehicle, Newly Married | |
Safe Driver, Accident-Free, Defensive Driving, Anti-Theft | |
Safe Driver, Bundling, Snapshot Program, Multi-Vehicle | |
Safe Driver, Defensive Driving, Steer Clear, Good Student | |
Safe Driver, Anti-Theft, Defensive Driving, Bundling | |
Safe Driver, Low Mileage, Military Installation, Family |
Safe driving discounts are often among the biggest discounts possible at auto insurance companies. You can also look for auto insurance with no down payment to save further.
Did you know you can buy a car online in just five easy steps: https://t.co/TicUV2s2fE. #carshopping pic.twitter.com/kJ7VTr9tDA
— Amica Insurance (@Amica) December 10, 2021
How to Avoid Auto Insurance Late Fees
Paying your insurance premium on time helps you avoid unnecessary penalties. Knowing how to avoid late insurance fees is important. There are a few ways to avoid late fees.
- Auto-Payments: When you set up auto-pay, you are charged automatically monthly for insurance (Read more about payment frequency: how often is auto insurance paid?).
- Payment-in-Full: You pay for the entire coverage period, often six months, so you don’t have to worry about monthly payments (Learn more: Should I pay my auto insurance in full?).
You can often easily set up auto-payments or pay in full on a company’s app, such as Geico’s mobile app. Company apps make it easy to make payments instantly from your phone and avoid late payments.
Make sure to contact your auto insurance company immediately if you miss a payment so that it doesn't lead to coverage lapse. Lapses in auto insurance are serious, as driving without insurance is illegal.Brandon Frady Licensed Insurance Producer
You can also pay online from your desktop or laptop (Learn about online payments: Can I pay my auto insurance online?).
Negotiating Auto Insurance Company Late Fees
If you are charged a late fee, there is often little you can do unless the company makes an error. However, if you are unable to pay the late fee, it doesn’t hurt to call the auto insurance company and try to negotiate the fee. The company may be able to drop the fee or work with you on a better payment plan.
Late fees aren’t as serious as a lapse in car insurance penalty, in which case you will need to get temporary auto insurance immediately to avoid driving illegally, so it may be easier to work something out with your auto insurance company.
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Find the Best Auto Insurance Companies That Don’t Charge Late Fees
Amica, USAA, and Geico are the best auto insurance companies that don’t charge late fees. However, you still need to be careful in avoiding late payments, which can result in an auto insurance lapse. Auto insurance for lapsed coverage is much more expensive, so making payments on time is important.
For more information, check what you should do if your auto insurance expired yesterday.
If you want to find the best auto insurance after a lapse in coverage, check out our free quote comparison tool.
Frequently Asked Questions
What happens if you miss an auto insurance payment?
If you miss an auto insurance payment, most companies offer a short grace period for you to pay without penalty. If you don’t pay within that grace period, you could be charged a late fee or have your insurance dropped. Find out how auto insurance payments work and avoid potential late fees.
Does Progressive charge a late fee?
Progressive doesn’t charge a late fee if you pay within its grace period. You can avoid fees by signing up for Progressive auto bill pay.
How much is a late USAA auto insurance fee?
It depends on how late the payment is. USAA doesn’t charge a late fee if you are within the grace period. To avoid late fees, look at your auto insurance billing options.
Does Allstate have an auto insurance grace period for late fees?
Yes, Allstate has an auto insurance grace period during which you won’t be charged late fees. However, it is easier to avoid fees on month-to-month auto insurance if you sign up for autopay.
Do auto insurance companies charge late fees?
Yes, some auto insurance companies charge late fees, and if you still don’t pay, they will cancel for nonpayment. Discover what you need to do if your auto insurance company was canceled for nonpayment.
Does Nationwide have an insurance late payment policy?
Yes, Nationwide offers a grace period for car insurance. It will keep you covered under temporary car insurance for a certain period before terminating your coverage as a customer.
Can you dispute an auto insurance late fee?
If the late payment was due to a company error, such as its auto-payment not working, you may be able to dispute the fee.
How do you negotiate auto insurance late fees?
You can only negotiate auto insurance late fees if the company makes an error.
Does paying auto insurance late affect credit?
If auto insurance companies send your unpaid bills to debt collection, it can affect your credit score. Discover if not paying your auto insurance can negatively impact your credit.
Can I cancel my auto insurance at any time?
You can cancel your auto insurance anytime to switch to a better company. If you want to look for the best auto insurance with no deposit, try our comparison tool.
What is the State Farm late payment policy?
State Farm allows a grace period for late payments. If payment is not received within this period, your policy may lapse, which could increase your monthly rates.
Does State Farm insurance have a grace period for autos?
Yes, State Farm provides a grace period for auto insurance payments. During this time, you can pay without a lapse in coverage or additional penalties.
How does the State Farm insurance lapse grace period work?
State Farm’s lapse grace period allows a few days to restore your policy after missing a payment. To avoid higher monthly rates or cancellations, pay within this period. Learn if you can backdate your auto insurance to cover a lapse.
What is the USAA late payment forgiveness policy?
USAA’s late payment policy may offer forgiveness within its grace period. Paying within this timeframe prevents penalties or coverage lapses.
What is the Geico late payment policy?
Geico has a grace period for late payments, giving you time to settle the balance without canceling the policy. Enrolling in autopay can help avoid future issues.
What is the Geico new car grace period?
Geico provides a grace period for new car insurance coverage, typically lasting 7–30 days. To avoid coverage lapses, confirm the exact duration with Geico.
What are the major car insurance companies?
The top auto insurance companies include Geico, State Farm, Progressive, Allstate, and USAA. These providers are known for competitive monthly rates and reliable coverage. Explore tips on how to choose an auto insurance company for reliable protection.
How does USAA compare to Erie?
USAA offers exclusive benefits for military families, while Erie is known for personalized service and competitive monthly rates. Your choice depends on your specific needs.
What happens with an Auto-Owners late payment?
Auto-Owners offers a grace period for late payments. Paying within this period prevents coverage lapses and avoids increased monthly rates.
Does Direct Auto have a grace period?
Yes, Direct Auto provides a grace period for missed payments. The length varies, so check your policy for timely payment and continued coverage.
What is the Liberty Mutual late payment policy?
Liberty Mutual allows a grace period for late payments. Payments made within this timeframe help you avoid penalties or policy cancellation. Understand why auto insurance premiums are usually billed a month early.
Does Allstate car insurance have a grace period?
Yes, Allstate offers a grace period for car insurance payments. Paying during this period ensures your policy remains active without extra fees.
How do you pay your Amica bill?
You can pay your Amica bill online, through their mobile app, or by enrolling in automatic payments. These options ensure timely payments and help avoid late fees.
What is the best car insurance after a lapse in coverage?
The best car insurance after a lapse in coverage includes providers like Geico, Progressive, and USAA. They offer affordable monthly rates and quick reinstatement options.
What is the cheapest auto insurance for a lapse in coverage?
Progressive and State Farm are the cheapest options for auto insurance after a lapse. These companies provide competitive monthly rates for drivers with coverage gaps. Compare the cheapest auto insurance companies to secure the best deal.
What should you do if you haven’t had car insurance for 2 years?
If you haven’t had insurance for 2 years, compare quotes from providers like Geico or Nationwide. While your monthly rates may be higher, you can still find discounts.
How can you get car insurance after not having it?
Contact companies like Progressive or Liberty Mutual to get car insurance after not having it. They specialize in offering policies for drivers in your situation, and shopping around can help you find the best monthly rate.
How long does a lapse in car insurance stay on your record?
A lapse in car insurance can stay on your record for 3–5 years, which may increase your monthly rates during this time.
What happens if you can’t pay your car insurance this month?
If you can’t pay your car insurance, contact your insurer immediately. Many companies offer grace periods or payment plans to help you avoid coverage lapses and penalties. Understand how to manage your auto insurance policy to avoid common mistakes.
What is the most trusted car insurance company?
USAA, State Farm, and Geico are often regarded as the most trusted car insurance companies due to their strong reputations and customer satisfaction ratings.
How much is the late fee for Allstate auto insurance?
Allstate typically charges a late fee of around $10-$15 for missed payments. Check your policy for specific details on late payment fees.
Can you avoid late fees?
You can avoid late fees by enrolling in automatic payments, paying online before the due date, or setting up reminders for upcoming payments.
Does Mercury Insurance have a grace period?
Yes, Mercury Insurance usually provides a grace period for late payments. The duration varies, so checking your auto insurance premiums or contacting the company is best.
How long can you go without car insurance?
The amount of time you can go without car insurance depends on your state’s laws. However, any lapse can result in fines, higher monthly rates, or legal penalties.
What is a reasonable 6-month premium for car insurance?
A reasonable 6-month premium for car insurance is typically between $400 and $700, depending on your location, driving history, and coverage levels. This averages to $67–$117 monthly.
How can you waive a late fee?
You can get a late fee waived by contacting your insurer, explaining the reason for the delay, and requesting leniency, especially if it was a one-time occurrence.
Can you negotiate late fees?
Yes, late fees can sometimes be negotiated by calling your insurer. Explain your situation and ask for the cost to be reduced or waived. Learn how to cancel auto insurance the right way without fees or penalties.
Can late fees be removed?
Yes, late fees can be removed if the delay was due to an error or exceptional circumstances. Contact your insurer to dispute or request the removal of the cost.
What is the best car insurance in Georgia?
The best car insurance in Georgia includes providers like Geico, State Farm, and USAA. They offer competitive monthly rates and tailored coverage options for Georgia drivers. Explore top auto insurance companies that waive late fees using our free ZIP code comparison tool.
What is the car insurance grace period in Illinois?
In Illinois, most car insurance companies offer a grace period of 7–30 days for late payments. Check with your provider for the exact duration to avoid a lapse in coverage.
What is the Progressive grace period for late payments?
Progressive typically offers a grace period of up to 10 days for late payments. Paying within this timeframe helps avoid coverage cancellation or penalties. Understand how to cancel Progressive auto insurance and explore new options.
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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.