Join the Nation’s Most Popular Insurance Questions

Welcome to the Nation.

Insurance can be a confusing subject, and there’s a good chance you have questions. And you’re not alone—it turns out a whole nation of people have questions about insurance. That’s why we started Join the Nation, an insurance question and answer platform.

While reviewing the list of questions, we noticed a few that come up frequently. Here are some of the top Join the Nation questions and their answers.

I just got a speeding ticket. Will my rates go up?

Possibly. Several factors go into determining your auto insurance rates, including your driving history, the vehicle you drive, how long you’ve been insured and how fast you were driving when you were cited. Talk to your agent to find out how to reduce your insurance premium after a ticket.

How can a person find the least costly vehicle to insure, before a purchase?

Insurance rates are partly based on the vehicle’s loss history – how often it is stolen, and how costly it is to repair or replace after an accident. Online resources exist, such as the money section of, which provides average insurance costs for 900+ vehicles.

Am I covered for a rental car under my auto policy?

If your policy includes Loss of Use coverage or Rental Reimbursement and your vehicle is damaged by a Collision or Comprehensive loss, you have coverage for a rental vehicle while your car is being repaired.

Don’t see your question here? Head over to the Join the Nation page and search through dozens of questions of answers, and remember that insurance situations are all unique, so these answers may not be true in every case. If your insurance question isn’t on the list, just ask the Nation.