Insurance Guide
How Do Car Insurance Companies Make Money?
While car insurance is one of the wisest investments you can make (in fact, if you want to drive a car legally, you have to purchase liability coverage, at the bare minimum), you still might be wondering how your carrier is profiting off of you. After all, car insurance is Read More »
How Long Can A Child Stay On Their Parents’ Auto Insurance Policy?
When your child turns 16, he or she earns a rite of passage: freedom. That freedom comes in the form of a driver’s license. Of course, you want to ensure that your child is as safe as possible behind the wheel, yet you also want to save as much money Read More »
Low Income Auto Insurance Options In The US
If you’re a low income individual or family, then you may be eligible for various government programs – including low income car insurance options. Low income households spend a disproportionately high percentage of their annual income on car insurance. A $1,500 car insurance policy accounts for 1% of someone’s income Read More »
How Do Car Recalls Impact Car Insurance?
So your vehicle has been recalled. How does this affect your car insurance? Will you pay more or less for car insurance after an auto recall? Every year, more than 200 vehicles are recalled across the United States. Some of these recalls are minor issues – like cosmetic problems with Read More »
How Long Do You Have to File an Insurance Claim After a Car Accident?
Filing an insurance claim after an accident can be a tricky process. One of the first things you need to worry about is when to file. How long do you have to file an insurance claim after a car accident? How long can you wait before contacting your insurance company? Read More »
How to File a Police Report After an Accident
A police report is an important document in the weeks following an accident. A police report can often be the difference between your claim being denied or accepted. It can also be the difference between you being found at-fault or not at-fault for the accident. With that in mind, we’re Read More »
What Are the Common Types of Car Insurance Fraud?
American insurance companies lose millions of dollars to car insurance fraud every year. Keep reading to discover the most common types of insurance fraud in the United States, including types of car insurance fraud that may affect you. Vehicle Dumping Some owners commit fraud by dumping their vehicle. This is Read More »
How to Insure a Classic or Collector Vehicle
As a collector, you probably view your classic or antique vehicle not only as a hobby, but as an investment as well. Protection of your investment includes many things, such as proper maintenance, keeping it clean, and parking it in a safe spot. It also includes buying the right insurance Read More »
Tort and No-Fault Auto Insurance Systems Explained
There are two general types of auto insurance systems in the United States, including tort systems and no-fault systems. What’s the difference between the two? What are the advantages of tort systems versus no-fault systems? Today, we’re explaining everything you need to know about the two popular car insurance systems. Read More »
Everything You Need to Know About Multi-Car Discounts
Multi-car discounts are the most common car insurance discount available to drivers in the United States. Are you eligible for a multi-car insurance discount? Can your family save money by insuring multiple vehicles on the same plan? Today, we’re explaining everything you need to know about multi-car discounts and how Read More »
How Long is the Grace Period for Auto Insurance?
Does your car insurance policy come with a grace period? Will your insurer give you an extra few days to make a payment? Does your insurance end immediately after your miss a payment? These are all good questions. Today, we’re explaining everything you need to know about the grace period Read More »
How Does No Fault Auto Insurance Work?
No-fault insurance is a type of car insurance required in certain states in America. What is no-fault auto insurance? Which states require no-fault insurance? Today, we’re explaining everything you need to know about no-fault states and no-fault insurance. What is No-Fault Auto Insurance? No-fault auto insurance is a type of Read More »
Adding Your Teens Or Children To Your Car Insurance Policy
So your children are finally old enough to drive. It’s an exciting time – but it’s also a scary and expensive time. Today, we’re explaining everything you need to know about adding your teenage child to your car insurance policy. Call Your Car Insurance Company If your teenage child is Read More »
In What Situations Do You Need Commercial Auto Insurance?
Many drivers are unaware of whether or not they need commercial auto insurance. What is commercial car insurance? Do you need it? Are you protected while driving your vehicle? Today, we’re explaining everything you need to know about commercial car insurance. What is Commercial Auto Insurance? Commercial auto insurance is Read More »
What is a Car Insurance Card?
In the United States, anyone who owns a vehicle is legally obligated to carry car insurance. In most states, the liability insurance is the minimum coverage requirement. This type of insurance protects other drivers in the event that an accident was caused by someone else and covers the cost of Read More »
How Long Does an SR-22 Last?
An SR-22 is a special certificate that must be held by certain drivers. How long does an SR-22 last? How long will you continue to pay higher insurance rates? Today, we’re explaining everything you need to know about the length of an SR-22. What is an SR-22? An SR-22 is Read More »
What is a Car Insurance Declarations Page?
The declarations page is a crucial part of any car insurance policy document. What is a declarations page? What does the information on your declarations page mean? Today, we’re explaining everything you need to know about car insurance declarations pages and why they’re important. What is a Declarations Page? The Read More »
How and Why Can Insurers Deny Your Claim?
You’ve been involved in a collision. Fortunately, you’re covered by insurance. You make a claim through your insurance company – only to have your claim denied. Often times, having your claim denied is not your fault and can be rectified, so don't immediately fret. There are many different (legitimate and Read More »
Car Insurance Quotes for Drivers with Bad Driving Records
Millions of drivers across America have bad driving records. Maybe you’ve had a string of unlucky accidents on the road. Or maybe you’re just a really bad driver. Whatever the situation may be, you need a car insurance quote despite your bad driving record. Today, we’re explaining everything you need Read More »
What If My Car Insurance Lapses?
So you forgot to pay your car insurance payment for the month. Or maybe you willfully let your car insurance expire. What happens when your car insurance lapses? What should you do when you miss a car insurance payment? Today, we’re explaining everything you need to know about what to Read More »
Is It Required to Have Auto Insurance?
You’re legally required to have auto insurance to drive on every public street in the United States. There are no exceptions to this rule. The type of auto insurance required by law, however, varies between states. Some states require only a bare-bones insurance plan with $10,000 in liability coverage, for Read More »
Does My Car Insurance Cover Theft?
One of the most common questions we get here is whether or not car insurance covers theft. The answer, as you might expect, depends entirely on your insurance policy: some insurance policies cover theft, while others do not. Today, we’re helping you determine whether or not your car insurance policy Read More »
What is the Proper Way to File an Insurance Claim After an Accident?
So you’ve been in an accident and you need to file an insurance claim. Filing an insurance claim isn’t difficult. Thousands of drivers do it every day. Some insurance companies even let you file a claim using a mobile app! With that in mind, let’s take a look at how Read More »
What is a Car Insurance Claim?
You file a car insurance claim when you need to use your car insurance policy. You’re making a “claim” on the policy and asking your insurance company to provide coverage based on the requirements outlined in your policy. Sometimes, it’s obvious when you need to make an insurance claim. You’ve Read More »
Steps To Take Immediately After A Car Accident (For Insurance)
So you’ve been in a car accident. What should you do immediately after a car accident? How do you deal with your insurance company? Today, we’re explaining the steps you should take immediately after a car accident when dealing with your insurer. The absolute first priority is to check to Read More »
What Is Personal Injury Protection?
Personal injury protection, or PIP, is an insurance policy that covers medical bills for you and your passengers in the event of a vehicle accident. Do you really need personal injury protection? Is it worth it? Should you buy PIP if you already have health insurance? Are you legally required Read More »
What is Personal Umbrella Insurance?
Personal umbrella insurance is a type of liability insurance that goes above and beyond the coverage provided by other policies. Most people do not need personal umbrella insurance – although certain individuals can benefit from it. Today, we’re explaining everything you need to know about personal umbrella insurance – including Read More »
All About Emergency Roadside Assistance Coverage
Emergency roadside assistance coverage is an optional insurance policy that covers you in certain emergency situations. Typically, emergency roadside assistance doesn’t add an exorbitant amount to your car insurance policy (say, $20 to $150 per year). However, it can be useful when your vehicle’s battery dies, when you need to Read More »
What is Rental Reimbursement Coverage?
Rental reimbursement coverage is an optional insurance policy that will cover the cost of a rental car if you’re unable to drive your primary vehicle. Most auto insurance companies provide rental reimbursement coverage. However, it’s not included on all plans by default. No states require rental reimbursement coverage, and it’s Read More »
Getting Car Insurance with a Bad Credit Score
So you need car insurance – but you have a bad credit score. What’s the best solution? Can you still get good car insurance? Today, we’re explaining everything you need to know about getting car insurance with a bad credit score. People with Bad Credit Typically Pay More for Car Read More »
What Is Property Damage Liability Coverage?
When you buy a new car and start driving, you will be hit by what can feel like a gauntlet of different expenses. First there’s the cost of the car itself which is certainly not cheap – even if you go for a second hand vehicle! Then there’s the cost Read More »
What Is Bodily Injury Liability Coverage?
Bodily injury liability coverage generally does exactly what it says on the tin. That is to say, that it covers you against the medical bills that might be incurred as a result of bodily injury. At this point you might wonder why you would need this, when surely you have Read More »
Hit And Run Accidents And Insurance
While it can sometimes feel a little crippling having to pay car insurance, it is nevertheless there for a very important reason. Insurance means that we can never cause damage to someone else and then be unable to pay to help them. And if you imagine being on the receiving Read More »
What Is Comprehensive Coverage?
Comprehensive coverage can help you cover the costs of damages to your vehicle that aren’t caused by a collision. If you just wanted to be protected from collisions, you would get collision insurance. For everything else, you should consider comprehensive insurance. What does comprehensive coverage cover? Natural disasters (hailstorms, tornadoes, Read More »
What Is Collision Coverage?
Collision coverage is pretty easy to understand. It’s coverage for damages to your car caused by impact with another car or object. It covers damage to your vehicle in a number of situations. If you hit another vehicle, for example, this type of coverage would cover the damage to your Read More »
What Is Medical Payments Coverage?
Medical payments coverage is needed to cover the sometimes huge medical costs incurred after you get hurt in an auto accident, no matter who was found at fault for the accident. Furthermore, medical payments coverage can help you pay for funeral expenses and passenger injuries. It can even help pay Read More »
What Is Gap Insurance? Do I Need It?
Gap insurance is a type of insurance coverage for newer automobiles that can be tacked onto your collision insurance policy. It is an optional insurance coverage. It could pay the difference between the balance of a loan or lease on a car and what your insurance provider pays if the Read More »
What Does Non-Owners Car Insurance Cover?
Non-Owner or Non-Owned Car insurance includes a bunch of types of coverage that provide Liability insurance for cars used by you (or for your business) that aren’t listed on your policy. Cars that are owned by you (or your business) or used on a regular basis should be put on Read More »
Why It’s Important To Review Your Car Insurance Policy
You should periodically review your car insurance policies a checkup. The insurance industry often suggests customers to check up on their policies to ensure everything looks right and up-to-date. To a cynical person, that might sound like a ploy to get customers on the phone with an insurance agent. An Read More »
Tips For Buying Car Insurance For The First Time
Buying car insurance for the first time is something that just about everyone will experience as a young adult. While still a teenager, most kids can get on their parents' auto insurance policy and do need to worry about carrying their own insurance. Buying an insurance policy that is all Read More »
Tips For Getting Cheap Car Insurance In Retirement
As unfortunate as it is, when a person gets older, some expenses just seem to increase. While retirement can be a wonderful thing, some of the increased costs can seriously hurt. Car insurance is one of those that seems to go up higher than it should during retirement. The insurance Read More »
How To Get Cheap Auto Insurance Rates For Students
Everyone knows that drivers who are very young can pay a lot higher premiums. More experienced drivers get into less accidents as a general rule. Younger people are more at risk for accidents and, because of that, pose a higher risk to their insurance companies. The good news is that Read More »
One Day Auto Insurance Explained
If you do not have a car, one of the challenges that you may face when you either rent a car or borrow one from a friend is whether or not you need an insurance policy. Most of the time the thought of insurance gets lost in the shuffle. However, Read More »
Auto Insurance For The Elderly
How to Get Cheap Auto Insurance for Elderly Drivers People are currently living longer than those in the past generations. In fact, the census for the United States predicts that by the year 2030 the number of people that are over 70 years of age will increase from the current Read More »
Car Insurance Deductibles Explained
Most of us have seen the auto insurance commercial with the poor young woman who is desperately trying to find someone who might be able to help her understand what a “deductible” is, and which one she should choose for her auto insurance policy. Understanding how insurance deductibles work, and Read More »
Rental Car Insurance Explained
Most drivers wind up renting a car at some point in their lives; perhaps they are “between vehicles,” or are having their primary vehicle serviced. The most common scenario however is when one vacations, usually (though not always) abroad. Most auto rental agencies offer optional insurance for a rental car Read More »
Full Coverage Auto Insurance Explained
If you are thinking about buying "full coverage" auto insurance, you may be thinking about making the right decision. As the amount of situations increase in which being fully covered is necessary, having adequate car insurance is crucial. While the definition of "full coverage" varies from company to company, Read More »
Auto Liability Insurance Explained
Liability coverage is the most basic coverage type in all auto insurance policies. Liability insurance is also a key part of any more comprehensive plan your may get. Liability insurance coverage is not the portion of your insurance that covers your own injuries or property loss, but is instead used Read More »