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Insurance companies use dozens of factors to calculate insurance premiums. Some factors, however, play a bigger role than others. Factors like your driving history, for example, tend to be more important than your credit score. Today, we’re highlighting the top 15 factors that determine your Read More…
Uninsured motorist property damage insurance (UMPD) covers vehicle repair and replacement costs after an accident with an uninsured driver. UMPD also covers vehicle repair and replacement costs in situations where the other driver was unknown – say, in a hit and run. Along with uninsured Read More…
Uninsured motorist bodily injury insurance, or UMBI, is a type of car insurance that covers injuries caused by uninsured drivers. UMBI also covers injuries in situations where the other driver is unknown – like in a hit-and-run accident. Approximately 1 in 7 drivers in America Read More…
When shopping for auto insurance, you need to decide whether you want liability coverage or full coverage. What’s the difference between liability and full coverage car insurance? Which one is right for you? Liability coverage protects other people from damage you inflict. If you cause Read More…
There are several situations where you may want to insure a car that you do not own. But can you insure a car that’s not in your name? Or can you only buy insurance for a vehicle that you own? It’s not a typical scenario, Read More…
When shopping for car insurance, you may hear the term ‘misrepresentation’ thrown around without fully understanding what it means. Misrepresentation is a type of car insurance fraud, and manyp people commit it without a full understanding of the potential consequences. It’s important to understand the Read More…
A Letter of Experience can play a crucial role in the insurance process. A Letter of Experience, also known as a Letter of Claims Experience, may be required to prove your insurance history. If you are looking for a new insurance policy, or if you Read More…
The actual cash value of your car plays a crucial role in the insurance claim process. After a total loss insurance claim, your insurer will likely reimburse you based on the actual cash value of your vehicle. Today, we’re explaining how to find the actual Read More…
Car insurance is a type of property and casualty insurance. It covers certain aspects of your property (your vehicle) and your liability (casualty). Also known as P&C insurance, property and casualty insurance can get confusing. However, P&C insurance plays a crucial role in your life. Read More…
You depend on car insurance to cover certain damages. But will car insurance pay to jumpstart your vehicle? Or do you need to pay for vehicle jumpstarts out of pocket? A standard car insurance policy will not cover the cost of jumpstarting a vehicle. Yes, Read More…
The moments after a car accident can be disorienting. It’s difficult to process what just happened and determine what the appropriate next step should be. One of the most important things to do in the moments following a car accident is to get witness statements. Read More…
The aftermath of a car accident can result in pricey bills to pay. Not only will you need to pay for medical treatment and to repair your car, but you’ll also need to pay for legal advice if you’re filing a suit against the other Read More…
A total loss insurance claim can be costly. If a car is declared a total loss, it means the repair cost exceeds the actual cash value of the car. What happens if your car is a total loss? What does it mean for your insurance Read More…
Uninsured motorist coverage covers certain damage if you collide with a motorist who doesn’t have insurance. In certain states, uninsured motorist coverage is required by law. In other states, uninsured motorist coverage is not required, although it may still be recommended. In this article, we’re Read More…
Some drivers are surprised to learn that ZIP codes impact auto insurance rates. It’s true: your ZIP code has a significant effect on your car insurance premiums. Why does your ZIP code matter so much for rates? Today, we’re explaining everything you need to know Read More…
So you damaged your own vehicle. Fortunately, you have insurance. But will car insurance really pay if you hit your own car? Or are you out of luck? Basic liability car insurance will not cover damage if you hit your own vehicle. However, if you Read More…
After a car accident, your insurance company and the insurance company of the other party in the accident will work together to determine who is at fault for the accident. Fault in a car accident will affect the amount of money you could potentially receive Read More…
Getting cheap car insurance as a teenager can be challenging. Teens pay higher rates for car insurance than drivers of any other age. Getting cheap teen car insurance is challenging – but it’s certainly not impossible. Below, we explain everything you need to know about Read More…
Is it possible to double insure a vehicle? Find out today as we explain everything you need to know about getting two car insurance policies for the same car. It Is Not Illegal to Take Out Two Insurance Policies on One Vehicle First, let’s make Read More…
Full coverage auto insurance gives drivers a higher level of protection at a higher cost. But is full coverage auto insurance worth it? Or are you overinsured with full coverage auto insurance? The answer, as with many insurance questions, depends on your budget and aversion Read More…
Young drivers pay the highest rates for car insurance. Young drivers are inexperienced and high-risk, so insurers naturally charge more for car insurance. Fortunately, there are ways to get cheap car insurance as a young driver. Today, we’re explaining how to get the cheapest car Read More…
You were involved in a small accident and now you’re debating whether to tell your insurer. Does insurance really need to get involved if there were minor damages and injuries? Should you really report every accident to your insurer? Today, we’re explaining everything you need Read More…
Your credit score significantly impacts your car insurance premiums. A driver with good credit will pay less for car insurance than a driver with bad credit, all other things being equal. How exactly does your credit score impact car insurance rates? What other financial information Read More…
America can be separated into two types of insurance systems: no-fault states and traditional liability states. Is car insurance in a no-fault state more expensive? Or are the two systems roughly equal? Today, we’re explaining everything you need to know about no-fault car insurance and Read More…
We all want to pay cheaper rates for car insurance. But which organizations offer the best discounts for car insurance? How much can you save on car insurance through USAA, Costco, AAA, BJ’s, or the AARP? Do firefighters or federal government employees pay less for Read More…
