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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 Read More…
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 Read More…
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 Read More…
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 Read More…
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 Read More…
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 Read More…
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 Read More…
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 Read More…
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 Read More…
Drivers in Florida pay some of the highest car insurance rates in the United States. What makes Florida such an expensive place to insure a vehicle? Why are car insurance premiums so high in Florida? Below, we break down all the major factors driving Florida’s Read More…
You did everything you were supposed to do: you paid your premiums, you filed a claim, and you expected the insurer to pay. Then you get the letter (or email): claim denied. A denial doesn’t always mean you’re out of options. Sometimes it’s a paperwork Read More…
Drivers with certain jobs may qualify for special auto insurance discounts. Some professions statistically file fewer claims, which means insurers often reward them with lower premiums. Are there car insurance discounts for teachers? Can educators expect to pay less for auto insurance? Below, we explain Read More…
If you receive Supplemental Security Income (SSI), you may be wondering whether you qualify for special car insurance rates—or whether insurers will charge you more because of your disability or fixed income. Many SSI recipients live on tight budgets, so finding affordable coverage is important. Read More…
If you’ve had a few tickets, an at-fault accident, or something more serious on your record, you can still get insured. The tradeoff is that your driving history affects your insurance rates, so you’ll usually pay more—and some companies may decline to quote altogether. This Read More…
College students have a lot of expenses—tuition, books, housing, fees, and everyday living costs. Paying for car insurance may feel like the final financial straw. Fortunately, students have access to many unique discounts and cost-saving opportunities that can significantly reduce premiums. Insurance companies know students Read More…
Maybe you missed a payment, your card expired, or you forgot to renew on time. Whatever the reason, a car insurance lapse can create a gap in coverage—meaning you’re uninsured for a period of time. Even a short lapse can lead to legal trouble if Read More…
You’re unemployed and you need car insurance—now what? Can you still get coverage? Does your employment status impact your rates? The good news: being unemployed does NOT prevent you from buying car insurance, and in some cases, you may even pay less. Below, we explain Read More…
In almost every part of the U.S., you must have auto insurance (or a state-approved alternative) to legally drive a registered vehicle on public roads. Requirements are set by each state, but the National Association of Insurance Commissioners (NAIC) notes that 49 states plus Washington, Read More…
If your car gets stolen (or someone breaks into it), the big question is whether your auto insurance will pay. In most cases, theft is only covered if you carry comprehensive coverage—sometimes called “other than collision” coverage. Below is how theft coverage works, what a Read More…
After a crash, filing an insurance claim can feel overwhelming—especially if you’re dealing with injuries, a damaged vehicle, and a flood of phone calls. The good news: once you know what your insurer needs, filing an insurance claim is usually a straightforward process. Below is Read More…
A car insurance claim is how you ask your insurer to pay for covered damage or injuries after something happens to your vehicle. In plain English: you’re using your car insurance policy the way it was designed to work. Some claims are straightforward (a crash, Read More…
So you’ve been in a car accident. Your first instinct might be to immediately file a claim with your insurer—but that isn’t always the best financial choice. In many situations, you may actually be better off paying out of pocket. Below, we break down when Read More…
You’ve just been in a car accident. Once everyone is safe, the next priority is protecting yourself financially by documenting what happened and starting the insurance process the right way. This guide walks you through exactly what to do at the scene, what information to Read More…
So you received a speeding ticket—but you still want to find cheap auto insurance. While a ticket will almost always raise your rates, there are still reliable ways to secure affordable coverage. Below, we break down how speeding tickets affect insurance and how you can Read More…
Personal injury protection (PIP) is part of an auto insurance policy that can help pay medical expenses after a car accident—often regardless of who caused the crash. Depending on your state and policy, PIP may also help with wage loss, replacement services (like childcare or Read More…
