You can lower your premium by maintaining a clean driving record, choosing a higher deductible, bundling your car insurance with other policies (e.g., home insurance), qualifying for discounts (e.g., good driver, safety features), and shopping around for the best rates.

Ensure everyone is safe and call emergency services if needed. Document the scene with photos, exchange information with the other driver(s), and file a police report if necessary. Contact your insurance company as soon as possible to report the accident and start the claims process.

Liability coverage pays for damages and injuries you cause to others in an accident, while comprehensive coverage protects against non-collision-related damage to your vehicle, such as theft, vandalism, or natural disasters.

Yes, even if you drive infrequently, you still need car insurance to comply with legal requirements and protect yourself from financial risks. However, you might be able to adjust your coverage to reflect your lower usage.

Assess your driving habits, the value of your vehicle, and your financial situation. Consider factors such as your risk tolerance, whether you can afford higher deductibles, and if you need additional coverage like gap insurance. An insurance advisor can help you determine the best coverage for your circumstances.