Car Insurance 101: What Every Driver Should Know About Coverage

Two drivers argue next to damaged cars after a collision, underscoring the importance of proper vehicle registration and legal compliance to protect your investment.

Understanding car insurance coverage is essential—not just for legal reasons, but to make sure you’re protected when it matters most. Whether you’re a first-time policyholder or just reviewing your current plan, knowing your coverage options can save you from costly surprises and help you avoid paying for protection you don’t need.

Smart Buyers Guide to Vehicle Taxes in 2025: What to Expect When Buying a New Car

A black SUV cruises along a winding coastal highway at sunset, symbolizing the freedom and peace of mind that comes with Ride Legal’s expert vehicle registration services.

When shopping for a new car, most buyers focus on the sticker price, but the real cost of ownership often lies in the details—specifically, vehicle taxes, state sales tax, and registration fees. In 2025, these charges can significantly impact your final bill, often adding thousands of dollars beyond the negotiated purchase price.

To avoid sticker shock and make informed financial decisions, it’s essential to understand how these taxes work, what varies by state, and what new policies or incentives may affect you—especially if you’re purchasing an electric vehicle (EV) or high-value car.

Louisiana Driving Laws: A Complete Guide

New orleans, Street, Louisiana image

Louisiana driving laws set the permit age at 15, require 50 hours of supervised driving, and ban phone use for young drivers. Seatbelts are mandatory for all, with strict child restraint rules. Texting is banned for everyone, and the DUI limit is 0.08% BAC. Speed limits reach up to 75 mph on interstates. Louisiana tracks violations instead of using points, requires minimum liability insurance, and renews licenses every 6 years with a vision test.

Kentucky Driving Laws: A Complete Guide

Kentucky, Hollow, Mountains

Kentucky driving laws set the minimum permit age at 16, require supervised driving, and ban phone use for drivers under 18. Strict seatbelt, child seat, and DUI rules apply, with speed limits up to 70 mph. No points system exists, but repeated violations can lead to suspension. Licenses renew every 8 years with a vision test starting in 2025.

Illinois Driving Laws: Complete Guide (2025)

Chicago, City, Building image.

Illinois teens can get a permit at 15 and a full license at 18 through a GDL program. Seatbelt, phone, DUI, and insurance laws are enforced. Speed limits vary, violations add points, and license renewals require vision or road tests based on age.

Hawaii Driving Laws: Complete Guide (2025)

Hawaii, Diamond hill, City image.

Hawaii drivers can get a permit at 15½, a provisional license at 16, and a full license at 17. Seatbelt, child seat, phone, DUI, and insurance laws are enforced. Speed limits vary, reckless driving is penalized, and licenses renew every 8 years with vision tests for seniors.

Delaware Driving Laws: A Complete Guide

Cars travel through a curved, illuminated tunnel with wet pavement and green lane arrows, creating a sleek and reflective urban driving scene.

In Delaware, teens can get a permit at 16 with driver’s ed and must complete 50 supervised hours. Seatbelt, car seat, DUI, and phone laws are strictly enforced. Speed limits vary, a points system tracks violations, and licenses renew every 8 years with vision checks.

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