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Your car’s model year matters because it affects what your vehicle is worth—and how expensive it is to repair or replace. And that can affect your auto insurance price (especially if you carry full coverage car insurance). All else equal, a newer vehicle is usually Read More…
If your vehicle is involved in a serious crash (or even certain types of major damage), your insurer may declare it a total loss. A car is typically considered “totaled” when it’s not economical (or not safe) to repair—usually because the repair estimate meets a Read More…
Becoming an auto insurance agent is more straightforward than most people expect. In nearly every state, you’ll need a license to sell auto insurance—and you may need to pass an exam, complete a background check, and (in some states) finish pre-licensing education. If you’re interested Read More…
Heading south (or west) for the winter is a great escape—until you realize your car insurance was written assuming your vehicle is garaged where you live most of the year. Snowbird auto insurance is usually straightforward if you handle two things correctly: (1) keep your Read More…
A learner’s permit is usually the first step toward becoming a fully licensed driver. It lets you practice driving legally while you learn the rules of the road. In the U.S., a standard learner’s permit almost always comes with one big restriction: you must drive Read More…
If you’re selling a car, junking it, moving out of state, or canceling insurance, you might need to remove and surrender your license plates. But the rules vary widely by state. In some states, failing to turn in plates (or properly cancel registration) can lead Read More…
If you’ve upgraded your vehicle with aftermarket wheels, a custom stereo, a lift kit, accessibility equipment, or a one-of-a-kind paint job, your auto policy may mention custom parts and equipment coverage—often shortened to CPE. CPE is an add-on (endorsement) that can help pay to repair Read More…
Financing a car changes your insurance responsibilities because the lender has a financial interest in the vehicle until the loan is paid off. In most cases, your loan agreement requires you to carry more than the state minimum—usually what people call “full coverage.” Most lenders Read More…
Your credit history can impact your car insurance rates. Fortunately, you can still shop for auto insurance quotes without a hard credit inquiry — and without hurting your credit score. Just keep in mind that “no credit check car insurance” can mean a few different Read More…
Bundling home and auto insurance can be one of the easiest ways to lower your total insurance bill. A multi-policy discount is common, and bundling can also simplify your life by keeping more of your coverage under one roof. That said, not every “bundle” is Read More…
Third-party auto insurance is coverage that pays for injuries or property damage you cause to other people. In the U.S., it’s most commonly called liability insurance—because it protects you financially when you’re legally responsible for an accident. Many drivers think “car insurance” automatically covers their Read More…
When shopping for car insurance, you’ll often hear people recommend working with an independent insurance agent. An independent agent is an insurance professional who can quote and sell policies from multiple insurance companies. Instead of getting one set of rates from one carrier, an independent Read More…
When you’re shopping for a used car, you’ll see a lot of listings that say “clean title.” It’s a helpful shortcut—but it’s also easy to misunderstand. In most cases, a clean title simply means the vehicle’s title is not branded (for example: not salvage, rebuilt, Read More…
When you buy car insurance, you’ll see a field on your policy called the named insured (sometimes written as “named insured driver”). This is the person (or people) the policy is issued to—and the one who controls it. In many cases, the named insured is Read More…
Your driving record (often called a motor vehicle report or MVR) can impact your life in more ways than you might expect—from job applications to car insurance pricing. That’s why many drivers choose to pull a copy for themselves at least once in a while. Read More…
Car insurance companies consider many factors when setting premiums — including your driving record and traffic violations. But red light camera tickets and speeding camera tickets are a little different than officer-issued tickets. In many jurisdictions, camera tickets are treated as civil/administrative penalties (often tied Read More…
Some drivers wear a face mask while driving—because they’re sick, they’re carpooling with people outside their household, they’re doing rideshare, or they just prefer the added protection during respiratory-virus season. Wearing a mask in the car is usually a personal choice, but there’s one important Read More…
If you recently reviewed your car insurance documents (like your declarations page or renewal bill), you may have noticed an extra line item called a surcharge. A surcharge is a temporary extra cost added to your premium after the insurer believes your risk went up Read More…
Anti-lock brakes (ABS) are one of the most common safety features on modern vehicles—and in some cases they can help you qualify for a small auto insurance discount. Many car insurance companies provide discounts for features that reduce the risk or severity of crashes, including Read More…
With standard car insurance, you pay a deductible when making a claim. You pay your share first, and your insurer covers the rest (up to your policy limits). Some drivers, however, wonder about “zero deductible” car insurance. With truly $0 deductible coverage, you pay nothing Read More…
Non-owner SR-22 insurance is a special type of auto policy for drivers who need an SR-22 filing but don’t own a car. Your state’s DMV (or similar agency) typically tells you when an SR-22 is required. You may need to provide SR-22 insurance to reinstate Read More…
A DUI (sometimes called DWI) almost always leads to higher car insurance premiums. The size of the increase depends on your state, insurer, and driving history—but it’s common to see a major jump for several years after a conviction. So how do insurance companies find Read More…
The National Association of Insurance Commissioners (NAIC) is the standard-setting organization that supports state insurance regulators across the U.S. It’s not a government agency, but it helps state departments of insurance coordinate oversight, share data, and create model rules and best practices. One of the Read More…
Accidents are expensive — and confusing. One of the biggest questions drivers have after a crash is whether their car insurance will go up even when they did nothing wrong. In many cases, a single not-at-fault accident won’t raise your premium — especially if you Read More…
Knowing exactly when your car insurance ends helps you avoid an accidental lapse in coverage (and the higher rates and DMV headaches that can come with it). If you’re not sure when your policy expires, you could mistakenly let your car insurance lapse between policies—which Read More…
