July 31, 2018
Your annual mileage plays a major role in determining your car insurance rates. The more you drive, the more exposure you have to accidents. More accidents lead to more claims, which leads to higher risk for your insurer — and higher premiums for you. Because of this, insurance companies heavily factor your total yearly mileage […]
July 27, 2018
You load up your car with holiday presents, head into a store or restaurant, and return to find your window smashed and your gifts gone. It’s a terrible feeling—especially during the holidays. But will your car insurance pay to replace the stolen items? Below, we explain exactly what car insurance does and doesn’t cover when […]
July 23, 2018
After a car accident, timing matters. The longer you wait to report the crash or start the claims process, the harder it can be to prove what happened—and the easier it is for an insurer to question parts of your claim. The tricky part is that there isn’t one universal “deadline.” Instead, you’re dealing with […]
July 17, 2018
Cheap car insurance looks great on your monthly budget—but it can backfire badly when you need it most. Bare-minimum policies and rock-bottom premiums often come with serious trade-offs in coverage, protection, and service. Before you buy the cheapest policy you can find, it’s important to understand what you’re giving up. Below, we’ll walk through the […]
July 16, 2018
A police report can be one of the most useful documents in the days and weeks following an accident. It creates an official record of what happened, who was involved, where the crash occurred, and what an officer observed at the scene. That information can help an adjuster verify details, sort out conflicting stories, and […]
July 10, 2018
Conventional wisdom says that drivers in their 50s pay the lowest auto insurance rates — and that’s generally true. But as you enter your 60s, premiums may begin to creep upward. While drivers in their early 60s still tend to pay reasonable rates, insurers consider mid-60s and older drivers part of a slightly higher-risk group. […]
July 5, 2018
If you were injured in a car accident and can’t work, the financial impact can be overwhelming. Lost income is one of the most stressful parts of recovering from an accident. Fortunately, depending on the type of auto insurance you carry (and who caused the crash), you may be eligible to receive compensation for lost […]
June 30, 2018
Hiring an auto insurance lawyer can make a major difference in the outcome of your claim. A skilled attorney can help overturn an unfair denial, negotiate higher compensation, and protect your rights when an insurance company acts in bad faith. Whether you are dealing with a stalled or denied claim, serious injuries, or low settlement […]
June 27, 2018
Car insurance fraud isn’t just “big criminal rings” staging crashes—everyday policyholders and shady repair operators can get involved too. And everyone ends up paying for it through higher premiums. The NAIC notes that fraud can be “hard” (intentional loss) or “soft” (exaggerating or misrepresenting facts), and it’s a major cost driver across the insurance industry. […]
June 18, 2018
Auto insurance is one of the biggest recurring expenses for many Americans. After housing, utilities, and car payments, car insurance is often the next-largest monthly bill. But how much does the average American actually pay per month? And how does your rate compare? How Much Does the Average American Pay for Car Insurance? According to […]
June 16, 2018
If you own a classic or collector vehicle, you probably see it as more than transportation. It’s a hobby, a passion project, and often a serious investment. Protecting that investment includes proper maintenance, secure storage, and buying the right insurance policy for how the car is actually used and valued. Below is a practical guide […]
June 9, 2018
If your teen just received a learner’s permit, you may be wondering whether you need to update your auto insurance policy. Do learner’s permit drivers require special coverage? Are they automatically insured under your policy, or do you need to notify your insurer first? Below, we explain everything you need to know about insuring a […]
June 6, 2018
In the U.S., most drivers live in a traditional tort (at-fault) auto insurance system. A smaller group of states use a no-fault system (or a hybrid) where your own policy pays certain injury-related costs after a crash—regardless of who caused it. Both systems aim to get accident victims compensated. They just do it differently. Below, […]
June 1, 2018
A multi-car discount (also called a multi-vehicle discount) is one of the easiest ways to lower your auto insurance bill: you insure two or more vehicles with the same company, usually on the same policy. If you’re wondering whether you can save money by insuring multiple vehicles on the same plan, this guide breaks down […]
May 29, 2018
If you’ve been involved in an at-fault collision, you can expect several consequences—including higher insurance premiums. Insurance companies rely heavily on your driving record when calculating your rates, and accident history is one of the most important factors they consider. Even a single at-fault accident can significantly impact what you pay. Below, we explain what […]
May 28, 2018
“Grace period” is one of those insurance terms that gets used loosely. Some insurers offer a true grace period (a short window after the due date when coverage stays active), while many states require a cancellation notice period before an insurer can end your policy for nonpayment. Either way, the big takeaway is the same: […]
May 25, 2018
No-fault auto insurance can be confusing because it doesn’t mean “nobody is at fault.” It means that injury-related costs are typically paid by your own insurer first (through Personal Injury Protection, or PIP) after a crash—no matter who caused it. In this guide, we’ll break down what no-fault insurance really is, which states use a […]
May 23, 2018
Hailstorms can cause serious and expensive damage to vehicles. If your car is dented, cracked, or totaled by hail, you’ll want your insurance to step in—so does car insurance cover hail damage? The answer depends on which type of coverage you have. Below, we explain exactly when hail damage is covered, when it’s not, and […]
May 20, 2018
When your teen finally starts driving, it’s a big milestone—and a big insurance moment. In most cases, you can add your child to your existing policy, and it’s usually the simplest way to keep them covered (and often cheaper than a standalone policy). Here’s what parents should know about adding a teen driver to their […]
May 19, 2018
Car insurance rates change significantly with age. Young drivers pay higher premiums because they lack experience, while older drivers often see rising rates again as age-related risk factors increase. Somewhere in between lies the “sweet spot” — the age range where most drivers pay the lowest rates. Below, we break down how age affects pricing […]
May 14, 2018
If you look at any list of the best ways to save money on car insurance, you’ll see “bundling” near the top. Bundling is still one of the easiest, most reliable ways to reduce your insurance costs. But what exactly is bundling? How does it work? And how can you bundle auto and homeowners insurance […]
May 10, 2018
Michigan is consistently one of the most expensive states in America for auto insurance. For years, Michigan drivers have paid some of the highest premiums in the nation — even after major reform efforts. Why is car insurance so expensive in Michigan? Why do Michigan drivers pay far more than drivers in most states? Below, […]
May 9, 2018
In the U.S., most drivers must carry auto insurance and be able to prove they’re insured when requested. In many states, liability insurance is the minimum coverage requirement. It helps pay for damage you cause to others, including property damage and bodily injury. A car insurance card—also called a proof of insurance card—is the document […]
May 5, 2018
An SR-22 is a state-required certificate that proves you’re carrying at least the minimum auto liability coverage. It’s sometimes called “SR-22 insurance,” but it’s not a separate insurance policy—it’s paperwork your insurer files on your behalf. So, how long does an SR-22 last? In many states, the SR-22 requirement is commonly around three years, but […]
May 3, 2018
So you’re thinking about driving for a rideshare company like Uber or Lyft — and you’re wondering how car insurance works. Do you need special insurance to drive for Uber or Lyft? Will your personal insurer cover you? Should you notify your insurance company before you start driving? Below, we explain how rideshare insurance works […]