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Your credit can have a real impact on your car insurance premium. In most states, insurers use information from your credit report to help predict risk and set rates—so drivers with strong credit often pay less than drivers with poor (or thin) credit, all else Read More…
America’s auto insurance laws fall into two broad categories: traditional “at-fault” (tort) systems and “no-fault” systems. Because of the way claims are handled, many people wonder whether car insurance in a no-fault state is more expensive than in a traditional liability state. Below, we explain Read More…
We all want to pay less for car insurance. One of the easiest ways to cut your bill is to take advantage of “affinity” or organization-based discounts – deals tied to memberships, jobs, alumni groups, and more. How much can you save on car insurance Read More…
If you finance or lease a car, your lender usually requires you to carry certain types of car insurance to protect the vehicle until it’s paid off. If the lender can’t verify that coverage (or your policy lapses), they may add Collateral Protection Insurance (CPI)—also Read More…
Certain high-risk drivers are required to get assigned risk auto insurance. Just because you’re in the assigned risk pool, however, doesn’t mean you need to spend a fortune. Below, we explain how assigned risk auto insurance works, who qualifies, what it typically costs, and the Read More…
Insurance coverage is the protection you get through an insurance policy. It describes what the policy will pay for, who or what is protected, and how much the insurer will pay if you have a covered loss. For example, auto insurance provides coverage for your Read More…
Your car insurance score quietly plays a big role in how much you pay for auto insurance. Yet most drivers have never seen their score, don’t know how it’s calculated, and aren’t sure how to improve it. Below, we’ll break down what a car insurance Read More…
Some drivers don’t have enough auto insurance and are dangerously exposed. Others pay for way more coverage than they’re ever likely to use. If you’re wondering, “Do I have too much car insurance coverage?”, the real goal isn’t “more” or “less” — it’s the right-sized Read More…
A policyholder is the person (or business/entity) that owns an insurance policy. Their name appears on the policy documents (often on the declarations page), and they control the contract—meaning they can usually pay premiums, make changes, add or remove people/vehicles/property, renew, or cancel the policy. Read More…
Pre-loss condition is the condition your property (like a car or home) was in immediately before it was damaged. In an auto claim, that means what your vehicle looked like, how it ran, and what it was worth right before the crash, theft, fire, or Read More…
It’s usually very simple to temporarily add another driver to your car insurance policy. If you have a friend or family member who will be borrowing your car on a regular basis, you generally need to list them on your policy to be sure they’re Read More…
When signing up for a car insurance policy, you’ll have a choice between several different types of coverage. It can be challenging to determine which protections are truly essential and which are unnecessary add-ons. One option you might see is “accidental death coverage” (sometimes listed Read More…
Most auto insurance companies offer a long list of discounts, but they don’t always apply them automatically. When you shop for car insurance, you should ask every insurer for a full list of discounts and have the agent walk through which ones you qualify for. Read More…
By now, everyone knows that texting while driving is dangerous. A quick glance at your phone can take your eyes off the road long enough to cause a serious crash. That’s why nearly every state in the U.S. has banned texting behind the wheel—many also Read More…
When you shop for car insurance, you’ll run into a lot of unfamiliar terms. One of the most confusing is stacked coverage (also called stacking). In the right situation, stacking can significantly increase how much protection you have if you’re hit by an uninsured or Read More…
Auto insurance companies offer many different policy discounts, and it can be confusing for new customers to sort through them all. One of the most valuable—and most common—savings opportunities is the claims-free discount. If you’ve gone several years without filing a claim, your insurer may Read More…
Buying auto insurance isn’t just checking a box and picking a limit. Beyond the core coverages, most insurers offer optional add-ons (also called endorsements) that can help in very specific situations—like replacing a totaled new car, paying for a tow, or covering you if another Read More…
Yes—many cars qualify for insurance discounts based on safety equipment, especially airbags/passive restraints, anti-lock brakes (ABS), electronic stability control (ESC), anti-theft systems, and certain driver-assist features. The catch is that discounts vary by insurer and state, and they’re often applied to specific parts of your Read More…
Telematics has become one of the biggest trends in auto insurance. Instead of pricing your policy only on things like age, ZIP code, and credit, telematics programs use technology (usually an app or plug-in device) to track how, when, and how much you drive. In Read More…
Paperless billing is everywhere now. Banks, utilities, and streaming services all push customers to go digital—and auto insurers are no different. Going paperless saves companies money on printing and postage, reduces clutter for you, and is better for the environment. But the big question is: Read More…
Hitting a parked car is more common than most people realize. Maybe you’re pulling into a tight parking lot, backing into a space, or misjudging the nose of the vehicle behind you and clip their front bumper. You get out and see your own bumper Read More…
Auto insurance agents can make a solid living, but their pay is rarely a simple “salary only” number. Many agents earn income through a mix of base pay, commissions, and bonuses — and some are paid mostly (or entirely) on commission. If you’re researching the Read More…
As an international or exchange student in the United States, having access to a car can make life much easier. You might want to drive to university classes, work, or social activities, and host families may be willing to share access to a vehicle. The Read More…
A disappearing deductible (also called a vanishing or diminishing deductible) isn’t a magic trick. It’s an optional feature some insurers offer that can reduce what you pay out of pocket for certain claims over time—usually as a reward for safe driving or staying claim-free. It Read More…
People often hesitate to make changes to their car insurance because they assume it’s a hassle or that they’re “stuck” until the policy renews. Others worry they’ll lose money or pay penalties if they adjust coverage mid-term or switch auto insurance providers before their current Read More…
