September 17, 2021
Last Updated on October 20, 2026 Yes—car insurance can cover interior damage, but only when it’s caused by a covered loss (like a crash, theft, vandalism, fire, or flood). It generally won’t pay for everyday wear and tear, spills, burns, or damage caused by normal use. The key is what caused the damage and which […]
August 31, 2021
Last Updated on October 15, 2026 In most cases, a written traffic warning does not raise your car insurance premium because it usually isn’t treated like a conviction and typically doesn’t show up as a chargeable violation on the reports insurers price from. The bigger risk is what a warning can lead to later: a […]
August 13, 2021
Last Updated on October 16, 2026 Stillwater can be a good auto insurance option if you want standard coverage (liability, comprehensive, collision, and common add-ons) and the ability to bundle with home or renters insurance. Availability and pricing depend heavily on your state and driver profile, so it’s best to compare quotes with identical coverage […]
August 6, 2021
Last Updated on October 7, 2026 “Free windshield replacement” usually means you pay $0 out of pocket for a covered glass claim because your deductible is waived by state law or by a full glass / $0 glass deductible option on your policy. In every case, you still need the right coverage in place—typically comprehensive […]
August 5, 2021
Last Updated on October 7, 2026 Your car’s make is the manufacturer (like Honda, Ford, or Toyota). Your car’s model is the specific vehicle line made by that manufacturer (like Civic, F-150, or Camry). You’ll usually need both (plus the year) when getting an insurance quote, registering a vehicle, or ordering parts. Below is a […]
August 4, 2021
Last Updated on October 7, 2026 In almost all situations, you can’t legally hold two active U.S. driver’s licenses from two different states at the same time. If you apply for a license in a new state, the DMV typically requires you to surrender your old license, and state systems are designed to flag duplicate […]
July 26, 2021
Last Updated on October 13, 2026 In most states, you can drive during a state of emergency unless a specific order restricts travel (such as a road closure, curfew, or “no unnecessary travel” ban). The key is that a “state of emergency” declaration by itself doesn’t automatically make driving illegal—restrictions come from the accompanying executive […]
July 11, 2021
Last Updated on October 22, 2026 Hallmark Insurance Group, which now operates under the name Partner Insurance, is a Virginia-based independent insurance agency, not an insurance company that directly underwrites policies. If you buy auto insurance through Hallmark, your policy is typically issued by one of its partner carriers—so pricing, discounts, and claims handling depend […]
July 6, 2021
Last Updated on October 22, 2026 American Access Casualty Company is a Chicago-area insurance company specializing in car insurance. Acquired by Kemper in 2020, American Access Casualty Company markets itself specifically to the Hispanic community, including high-risk drivers or drivers with non-standard insurance needs within the Hispanic community. Is American Access a good insurance company? […]
July 5, 2021
Last Updated on October 16, 2026 Prudential has not underwritten car insurance since 2003. It sold its property and casualty business that year and never went back. But there is still such a thing as a Prudential auto policy, and if you live in New Jersey, New York, Pennsylvania or Connecticut you can buy one […]
July 4, 2021
Last Updated on October 16, 2026 Farmers Mutual of Nebraska (often branded as FMNE Insurance) can be a good choice for drivers who want a regional insurer with local, independent agent support and the ability to bundle auto with home or farm coverage. Policies are sold primarily in Nebraska and South Dakota. FMNE’s website lists […]
July 3, 2021
Last Updated on October 22, 2026 Falcon Insurance Company is an Oak Brook, Illinois-based insurer that focuses on non-standard car insurance for drivers who may have trouble qualifying with traditional carriers. It can be a practical choice for high-risk situations—like a lapse in coverage, a recent violation, or an SR-22 requirement—especially if you prefer working […]
July 2, 2021
Last Updated on October 16, 2026 North Star Mutual is a regional, Midwest-based mutual insurer that sells auto insurance through independent agents. It can be a good choice for drivers who prefer local, agent-guided service and want to bundle auto with home, farm, or small business coverage—especially within its eight-state territory. Because North Star Mutual […]
June 30, 2021
Last Updated on October 15, 2026 No—an auto insurance bill is not considered a utility bill. Even if you pay it monthly, auto insurance is a financial contract that transfers risk to an insurer, while utilities are recurring service charges tied to providing household essentials like power, water, or sewer. That distinction matters most when […]
June 29, 2021
Last Updated on October 16, 2026 Trumbull is not a brand you can shop. Trumbull Insurance Company is one of the legal insurers inside The Hartford, and the reason you have heard the name is almost certainly that it is printed on your paperwork. The Hartford names it in its own AARP underwriting disclosure: the […]
June 28, 2021
Last Updated on October 22, 2026 Security National has never been a brand you can shop. It is an underwriting company inside the Farmers Insurance Group, one of the legal insurers that issues Bristol West policies, and it is licensed in two states only, Florida and Texas. There is no Security National website, no Security […]
June 27, 2021
Last Updated on October 22, 2026 Umialik can be a good auto insurance company for Alaska drivers who want to work with a local independent agent and prefer an insurer focused on Alaska risks and claims service. It may be a weaker fit if you want to buy a policy entirely online, need coverage outside […]
June 21, 2021
Last Updated on October 14, 2026 The Rhode Island Automobile Insurance Plan (RI AIP) is Rhode Island’s assigned-risk auto insurance program for drivers who can’t get coverage in the regular (voluntary) market. If you’ve been declined by standard insurers within the last 60 days, a certified insurance producer can submit an RI AIP application and […]
June 21, 2021
Last Updated on October 24, 2026 An FR-19 is a Maryland MVA insurance certification that confirms your vehicle had active liability insurance on a specific date. If you received an FR-19 notice, the fastest fix is usually to have your insurer submit the form electronically (eFR-19) to the MVA before the deadline listed in your […]
June 17, 2021
Last Updated on October 7, 2026 State Farm’s Steer Clear is a safe-driving training program for teen and young adult drivers. Finish it and you can qualify for what State Farm calls the Steer Clear Safe Driver Discount. It can work well for savings if you complete the required modules, log the required driving, and […]
June 2, 2021
Last Updated on October 13, 2026 If you deliver with Postmates, you generally need personal auto insurance plus delivery-specific coverage (like a rideshare/delivery endorsement or a commercial policy). Even though Postmates is now part of Uber and many orders are fulfilled through the Uber Eats system, your personal policy can still exclude claims when you’re […]
May 14, 2021
Last Updated on October 15, 2026 LoJack is a stolen vehicle recovery system. It can lower your car insurance cost if your insurer offers an anti-theft or vehicle recovery discount—but the savings vary by company, state, and your vehicle, and each insurer decides how much, if anything, the device is worth. Below is how LoJack […]
May 13, 2021
Last Updated on October 7, 2026 In most cases, you can’t personally look up someone’s auto insurance details just from a license plate. Because DMV records are protected by privacy laws, insurance information is typically available only through the police, your insurer, or a DMV records request that meets a permitted use (for example, a […]
May 4, 2021
Last Updated on October 19, 2026 Lamborghini insurance costs well above average because the car’s value, performance and repair costs make every claim bigger. How far above average is a harder question, because no insurer or regulator publishes premiums by make and model. The most recent rate study on the brand is MoneyGeek’s, updated August […]
May 3, 2021
Last Updated on October 16, 2026 Mississippi drivers often find car insurance expensive for two reasons. Insurers price in a lot of claim risk, especially from uninsured drivers, and the premium takes a bigger share of a typical household’s income in Mississippi than it does nationally. On price alone, the two current averages below put […]