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 Do I Know If I Have Gap Insurance?

Gap insurance covers the gap between the value of your vehicle and the amount you owe for that vehicle. You can check the terms of your lease or loan, or check your current car insurance policy, to verify you have gap coverage. Keep reading to Read More…

Car Insurance Deductibles Explained

The deductible is one of the most important parts of your car insurance policy. When you make an insurance claim, you must pay a deductible. You pay a deductible of $250 to $1,500 per claim, and your car insurance company covers all remaining repair costs.   Read More…

When Do You Need Commercial Auto Insurance?

Depending on how you drive your vehicle, you may need commercial auto insurance. Someone who drives their vehicle for work needs commercial auto insurance. If you don’t have commercial auto insurance, then your insurer could deny your claim. Many drivers are surprised to discover they Read More…

What Is Full Glass Coverage? Is It Worth It?

Full glass coverage protects the windshield, windows, and other glass on your vehicle. Available as an optional coverage with some insurers in certain states, full glass coverage allows you to replace your windshield and other glass without paying a deductible. What is full glass coverage? Read More…

What Is SR-22 Car Insurance Coverage?

SR-22 insurance is a certificate verifying you have minimum insurance liability coverage. When you have SR-22 car insurance, you meet the minimum car insurance requirements in your state. The SR-22 is not technically insurance. It’s a certificate verifying you have met your state’s minimum auto Read More…

Do I Have Enough Auto Insurance?

Having enough auto insurance coverage is important. You don’t want to be under-insured, nor do you want to be over-insured. Unfortunately, millions of drivers carry too little insurance, leaving them dangerously under-protected in the event of a claim. Millions of other drivers carry too much Read More…

Can an Insurer Cancel Your Car Insurance Policy?

You depend on your car insurance to be there when you need it. However, your insurer could cancel your policy. If you violate the terms of your policy, or if you didn’t pay your premiums, then your insurer could drop your coverage and cancel your Read More…

What Is Mechanical Breakdown Insurance (MBI)?

Mechanical breakdown insurance is an optional car insurance coverage that works similarly to an extended warranty. MBI is only available through some insurers on qualifying vehicles. It protects your vehicle against unexpected repairs and replacements outside of accidents and routine maintenance. What is mechanical breakdown Read More…

What Is Other Than Collision (OTC) Coverage?

When shopping for car insurance, you may encounter the term ‘other than collision’ coverage. Also known as OTC coverage or comprehensive coverage, other than collision coverage covers damages that occur outside of accidents. It covers hailstorm damage, collisions with animals, theft, vandalism, and other damages, Read More…

How to Separate Auto Insurance After a Divorce

When you get a divorce, you need to separate many aspects of life – including car insurance. Separating car insurance after a divorce should be straightforward. However, if you own multiple vehicles or have bundled multiple policies together, then things could get complicated. Keep reading Read More…

Total Loss Thresholds by State

If your vehicle is involved in a serious accident, then it could be a total loss. Your insurer will declare your vehicle a total loss when the cost of repairing the vehicle exceeds the total loss threshold. If the value of your vehicle is lower Read More…

Auto Insurance for Snowbirds: How Does It Work?

Heading south for the winter is fun, but it can create questions about auto insurance. Depending on your insurance needs, driving habits, and other factors, you may need different car insurance products and services as a snowbird. How does auto insurance work for snowbirds? What Read More…

Custom Parts and Equipment Coverage Explained

Your car insurance policy might mention custom parts and equipment coverage. Custom parts and equipment coverage, also known as CVE, covers unique parts and accessories added to your vehicle. CPE is an endorsement, which means it supplements existing coverage. By adding custom parts and equipment Read More…

Getting Insurance for Financed Vehicles

When financing a car, you need different car insurance. The lender partially owns your vehicle, and that means they can require you to carry a specific type of car insurance. Most lenders require you to carry full coverage car insurance on financed vehicles. Full coverage Read More…

What Is “Third-Party” Auto Insurance?

Third-party auto insurance is a type of car insurance that protects other people from damage you cause. You might buy car insurance to protect your own vehicle. Car insurance covers your own vehicle in a collision. However, third-party auto insurance protects third parties instead of Read More…

What Is an Independent Agent?

When shopping for car insurance, you’ll find people who call themselves independent gents. An independent agent is an insurance agent that sells policies from multiple companies. The agent reviews your needs, then recommends the best insurance. What does an independent agent do? What are the Read More…

What Is a Clean Title?

When shopping for used cars, you’ll find most vehicles advertised with a “clean title.” A clean title means the car has never been deemed a total loss. Most cars have clean titles. The term is slightly misleading: when a car has a clean title, it Read More…

What Is a Named Insured Driver?

When dealing with car insurance, you will encounter terms like “named insured driver.” The named insured driver is typically the owner of the insurance policy. It’s the primary driver of the vehicle that is being insured. You can list other drivers on your policy, but Read More…

How to Get a Copy of Your Driving Record

Your driving record impacts your life in multiple ways. Many drivers find it useful to get a copy of their driving record. Getting a copy of your driving record is easy, and it explains important information. Your driving record includes accidents and tickets. After obtaining Read More…

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…

1 2 3 4 5 6 7