If you’re getting rid of an old car, then you may need to surrender your license plates. License plate rules vary by state. In some states, drivers face serious consequences for not surrendering their license plates. In other states, you’re free to keep the plates Read More…
Your car insurance policy might mention custom parts and equipment coverage. Custom parts and equipment coverage, also known as CVE, covers unique parts and accessories added to your vehicle. CPE is an endorsement, which means it supplements existing coverage. By adding custom parts and equipment Read More…
When financing a car, you need different car insurance. The lender partially owns your vehicle, and that means they can require you to carry a specific type of car insurance. Most lenders require you to carry full coverage car insurance on financed vehicles. Full coverage Read More…
Your credit score impacts car insurance rates. Fortunately, there are ways to get auto insurance quotes with no credit check. In most states, you can get an auto insurance quote without a credit check, assuming you know where to look. However, you cannot obtain a Read More…
Bundling home and auto insurance can save you thousands on insurance. Some companies offer better home and auto insurance bundles than others. Some companies lower premiums by 20% or more just for bundling multiple policies. Other companies give a smaller discount. Some companies have good Read More…
Third-party auto insurance is a type of car insurance that protects other people from damage you cause. You might buy car insurance to protect your own vehicle. Car insurance covers your own vehicle in a collision. However, third-party auto insurance protects third parties instead of Read More…
When shopping for car insurance, you’ll find people who call themselves independent gents. An independent agent is an insurance agent that sells policies from multiple companies. The agent reviews your needs, then recommends the best insurance. What does an independent agent do? What are the Read More…
When shopping for used cars, you’ll find most vehicles advertised with a “clean title.” A clean title means the car has never been deemed a total loss. Most cars have clean titles. The term is slightly misleading: when a car has a clean title, it Read More…
When dealing with car insurance, you will encounter terms like “named insured driver.” The named insured driver is typically the owner of the insurance policy. It’s the primary driver of the vehicle that is being insured. You can list other drivers on your policy, but Read More…
Your driving record impacts your life in multiple ways. Many drivers find it useful to get a copy of their driving record. Getting a copy of your driving record is easy, and it explains important information. Your driving record includes accidents and tickets. After obtaining Read More…
Insurance companies consider several factors to calculate premiums, including speeding tickets. In most states, red light tickets and speeding camera tickets do not impact car insurance rates. Some insurers raise rates significantly for one or more speeding tickets. Others ignore one or two minor speeding Read More…
Many people wear masks while driving. However, health and safety experts recommend against wearing masks while driving because it leads to more accidents and higher insurance rates. A year ago, it was unusual to see someone wearing a mask while driving. Today, thanks to COVID-19, Read More…
If you recently checked your car insurance paperwork, then you may have noticed a car insurance surcharge. Sometimes, insurers add a fee or penalty to your premium. This is called a surcharge. In most cases, insurers charge a surcharge because of a recent violation – Read More…
Anti-lock brakes (ABS) are a common safety feature, and they could reduce car insurance premiums. Many car insurance companies provide discounts for any features that reduce the risk of your vehicle – including anti-lock brakes. Although anti-lock brakes have been required on all new vehicles Read More…
With standard car insurance, you pay a deductible when making a claim. You pay a deductible, and your insurer covers the rest. Some drivers, however, are curious about zero deductible car insurance. With zero deductible car insurance, you pay nothing when making a claim. You Read More…
Non-owner SR-22 insurance is a unique type of car insurance required by certain drivers. Your state’s DMV may notify you about SR-22 requirements. The DMV may require you to provide SR-22 insurance to reinstate your driver’s license and vehicle registration, for example. If you don’t Read More…
Getting a DUI will raise car insurance premiums. In most states, a DUI raises premiums by 40% to 100%, and you could pay higher premiums for up to 10 years. But how do insurance companies find out about DUI convictions? Typically, insurance companies discover a Read More…
The National Association of Insurance Commissioners (NAIC) is a US organization that sets standards and regulations for the insurance industry. Each insurance company in the United States has an NAIC number. Some companies have multiple NAIC numbers – say, one number for each subsidiary organization Read More…
Accidents can be expensive. Insurance companies raise insurance premiums after an at-fault accident, but do they also raise premiums after an accident that was not your fault? In most cases, a no-fault accident will not raise insurance premiums. Your insurance company should not raise rates Read More…
It’s important to know when your car insurance expires. If you don’t know when your car insurance policy expires, you could mistakenly let your car insurance lapse between policies, which could make you a high-risk driver. Insurance policies typically last 6 months to 12 months. Read More…
You can cancel your car insurance policy. But do you get a refund on unused premiums after you cancel car insurance? Or does your insurance company keep the money? Most insurance companies give you a refund on unused premiums after you cancel car insurance. In Read More…
It’s no secret that DUIs raise the cost of car insurance. But how long does a DUI stay on your driving record? Depending on your state, a DUI can remain on your driving record for 3 years, 10 years, or the rest of your life. Read More…
Have you ever sat down and wondered, “why is car insurance mandatory?” The answer is a bit more complicated than you might expect. The truth is that there is no federal law that says all drivers are required to have auto insurance when driving. Instead, Read More…
There are some situations where you need same day car insurance. When buying a new vehicle or renting a car, for example, you may need to obtain car insurance the same day. Fortunately, you can find plenty of companies willing to provide same day car Read More…
You need a license to legally drive in the United States. If you are caught driving without a license, then you face fines, imprisonment, and other penalties. In most states, drivers pay a fine for driving without a license. Drivers in Wisconsin, for example, pay Read More…