Frequently Asked Questions

Yes and No!

Illegal discrimination

An insurance company may not differentiate pricing of auto insurance based on race, religion, political affiliation, or sexual orientation.

Here are a couple of reasons a cop can “take your car.” They mostly deal with doing something illegal or committing a serious traffic offense.

Driving without insurance

Until the pandemic that started in 2020, police officers routinely impounded automobiles for failure to provide proof of insurance at the scene of an accident or a traffic stop. The onboard computer system connected to the Oregon DMV usually flags a car for not being covered by insurance just by the officer running the plate number. Still, a cop asks for proof, either as an identification card or a screen on your phone app that says your insurance is valid for the car you are driving. If you failed to prove you had valid insurance, the officer could, at their discretion, have you step out of the vehicle, keep some of your personal items like a purse or phone, and impound the car. This meant you had to find another way to get to your destination.

Yes. Some companies charge more or less depending on your level of education and your occupation.

A schoolteacher probably lives near the school where he or she teaches, so the distance from home to the school is the same every day except for an occasional conference somewhere in the school district. An auto insurance company can calculate the average distance and driving behavior based on national and company-wide statistics of other schoolteachers.

Yes, you can. If you plan to remove insurance from a car you intend to store, two things are essential.

1. Take the car off the street.