Yes, auto insurance is required for all drivers in the USA.
Umbrella coverage provides additional protection that goes above and beyond the limit of your policy. There is additional charge for umbrella coverage.
Yes, the vehicle you drive does affect the policy rate. The difference in cost varies from state to state as well as company to company. There is no way of calculating this beforehand, so inquire with your insurance company to find out more.
Yes, there are options available for people with DUI on their record. Typically, they would need SR-22 coverage. Inquire about the different options that apply in your case.
Yes, your credit score will directly affect the rate you receive. High credit scores typically lead to lower insurance premiums, and vice versa.