Insurance Guide

Become an insurance expert in no time by skimming through the pages of our insurance guide. Learn what affects your auto insurance rates, how to save money by comparing quotes, and which insurance companies are the most reliable. Make sure to bookmark our “Insurance Guide” and to check back from time to time to see newly added articles and features.

How to Get Same Day Auto Insurance

There are some situations where you need same day car insurance. When buying a new vehicle or renting a car, for example, you may need to obtain car insurance the same day. Fortunately, you can find plenty of companies willing to provide same day car Read More…

Who is the Primary Driver of an Auto Insurance Policy?

When dealing with car insurance, the primary driver is important. In fact, in some insurance claims, the insurance company can dispute the primary driver of your policy, leading them to deny your claim. The primary driver of your auto insurance policy is the person who Read More…

What Does Non-Owner Car Insurance Cover?

Non-owner car insurance is a unique type of coverage for drivers without a vehicle. If you frequently drive someone else’s vehicle and want to ensure adequate coverage, then you might buy non-owner car insurance. Even though you don’t own a vehicle, you can obtain car Read More…

Does Car Insurance Cover a Hit-and-Run?

Hit-and-runs are devastating. To make things worse, car insurance may not always cover a hit-and-run accident. A hit-and-run accident is only covered by car insurance if you have collision coverage or uninsured motorist property damage coverage. If you have neither coverage, then you may need Read More…

Minimum Coverage Auto Insurance Explained

Many budget-minded Americans looking to save some money often opt to purchase only the minimum required auto insurance coverage. Minimum coverage auto insurance refers to a policy that meets the minimum requirements set forth by your local state government – and nothing more. Each state Read More…

What is a Collision Damage Waiver?

A collision damage waiver (CDW) plays an important role in rental car insurance. However, it’s easy to get confused with collision damage waivers. A collision damage waiver is an additional level of insurance offered by a rental car company to its customers. By purchasing a Read More…

Tips for Buying Car Insurance for the First Time

Buying car insurance for the first time can seem intimidating. Fortunately, with some preparation, it’s easy to buy car insurance for the first time. As a new car insurance customer, you may pay higher rates for insurance. Insurance companies have no record of your driving Read More…

What Is Permissive Use Auto Insurance Coverage?

Most people are unaware of the fact that auto insurance is not applicable to every type of traffic accident. There are some accidents that your auto insurance policy just won’t cover. For example, if an unauthorized party is using the insured vehicle and crashes it, Read More…

Getting Insurance for First-Time Drivers Over 25

As a driver over 25, you typically pay cheaper insurance rates than younger drivers. However, if you are a first-time driver over 25, then rules can be different. New drivers at any age pay higher insurance premiums. Sometimes, new drivers over 25 pay higher insurance Read More…

What is Standard Coverage for Auto Insurance?

Standard auto insurance coverage is the basic insurance required to legally operate an automobile. This level of insurance is applicable to drivers who have an average risk profile and do not want to pay a considerable monthly premium for extensive insurance coverage. Though standard auto Read More…

What Are Combined Single Limits (CSL)?

A combined single limit insurance policy, commonly referred to with the acronym of CSL, is a form of insurance coverage in which there is a single dollar limit applicable to any combination of property damage liability and bodily injury claims. Combined single limits are distinct Read More…

Car Insurance for Wheelchair Accessible Vehicles

Getting car insurance for a wheelchair accessible vehicle may seem complicated – but it’s easier than you think. Thousands of Americans have adequate coverage for their wheelchair accessible vehicles. Car insurance for a wheelchair accessible vehicle works similarly to other car insurance policies, although you Read More…

How to Remove Someone From Your Car Insurance Policy

It may be in your best interest to remove a driver from your insurance policy. By removing a high-risk driver from your policy, you could save thousands per year on car insurance. Or, you might remove a high-risk teenage driver from your policy because they’re Read More…

Defensive Driving Course Discounts Explained

Drivers who take defensive driving courses are statistically safer to insure. If you have taken a defensive driving course, then insurance companies seek your business. Drivers who invest in defensive driving courses today tend to be safer drivers in the future. Plus, defensive driving courses Read More…

All About the Good Student Discount for Car Insurance

Most major insurance companies offer good student discounts. If you have a B average or higher, then you could save hundreds per year on car insurance. Good student discounts vary between companies. Some companies require an ‘A’ average, for example, while other companies require a Read More…

What is the Distant Student Discount?

Many insurers offer a distant student discount. If you are a college student living away from home, then you could qualify for this discount. You might qualify for the discount if you live more than 100 miles away from your home address. Some insurers require Read More…

What Is a Car Insurance Binder?

When shopping for a new car insurance policy, you may hear a lot of industry terminology that you aren’t familiar with. One common term to be aware of is the concept of a car insurance binder. When you purchase a car insurance policy, you’ll often Read More…

What Is Bodily Injury Liability Coverage?

Bodily injury liability (BIL) coverage is mandatory in most states. If you don’t have bodily injury liability coverage, then you cannot legally drive. Bodily injury liability coverage covers injuries you inflict on other people. If you hit a pedestrian, for example, or harm another driver Read More…

What Is Property Damage Liability Coverage?

Most states require property damage liability coverage on all car insurance. Property damage liability (PDL) coverage is crucial, yet many drivers don’t fully understand it. Property damage liability coverage covers the cost of repairing someone else’s property after an accident. It can cover car repair Read More…

What is Non-Renewal? How Do You Avoid It?

If your car insurance company no longer wants your business, then you may receive a non-renewal notice. With non-renewal, your car insurance company has decided not to renew your policy upon expiration. After your car insurance policy expires, your policy will not be automatically renewed. Read More…

What is a Car Insurance Endorsement?

A car insurance endorsement can change your coverage significantly. An insurance endorsement, also called a rider, is a change to your insurance policy that impacts your coverage. You might add an endorsement to your auto insurance policy to cover an aftermarket part, for example. Or, Read More…

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