Guides
The Splineglen guide shelf
Three long-form guides on the legal floor for car insurance: what states require, why the minimum can leave you short, and how proof of insurance works in daily life.
Pick a starting point
New car, new state or first policy
Begin with the requirements guide so you know exactly what the law expects before you buy.
Renewal coming up
Read the exposure guide and compare your limits with what a serious crash costs.
Stopped, or about to register a car
The proof guide covers ID cards, phone copies and special state filings.
All three guides
- What car insurance is required in most statesLiability, injury protection and uninsured motorist rules: what most states make every driver carry, and how to read the numbers on a policy.
- Why state minimum coverage may leave you exposedThe legal minimum keeps you legal, not protected. How fast a serious crash outruns small limits, and what higher limits usually add to the price.
- Proof of insurance: ID cards, digital copies and traffic stopsWhat counts as proof of insurance, when phone copies are accepted, what to do when an officer asks for it, and the special filings some drivers need.