Here’s why you should carry more than your state’s minimum coverage, what the data shows about insurance premiums for seniors and why sharing your car isn’t always a good idea.

Drivers in several U.S. states could face higher rates as a result of a new law increasing minimum coverage requirements.

If your lender doesn’t see proof of insurance on your home or car in their files, they have the legal right to protect their investment by purchasing a policy for you—and forc ...