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.

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…

What Does a Car Warranty Cover?

A new car comes with a warranty that covers certain repair costs. Most cars have a basic warranty, with an extended warranty available for a higher price. Some car warranties only cover manufacturers’ defects – similar to a product warranty. Others cover virtually any mechanical Read More…

How to Write a Demand Letter to Your Insurance Company

Your insurance company is supposed to protect you financially in the event of a car accident. Unfortunately, many insurance companies will look for opportunities to deny your claims. If you have been in an accident and the insurance company is denying your claim unfairly, you Read More…

What Is a Captive Agent?

One of the most popular ways to purchase car insurance is to go through an agent. There are two different types of insurance agents – captive agents and independent agents. When shopping for your insurance policy, it’s important to understand what type of agent you Read More…

All About SR-50 Coverage in Indiana

Certain drivers in Indiana need an SR-50 form, which is a proof of insurance document. The SR-50 is a form specific to Indiana car insurance. The Indiana Bureau of Motor Vehicles (BMV) may require certain drivers to obtain an SR-50. The SR-50 provides proof of Read More…

What is Broad Form Car Insurance Coverage?

Broad form auto insurance is a type of liability coverage only available in select states. It’s typically cheaper, but it can also be riskier. Broad form car insurance coverage provides coverage for one driver, no matter how many cars the driver owns or drives. It’s Read More…

How to Make Sure Your Insurance Company is Financially Stable

Financial strength is important when shopping for car insurance. Unfortunately, many drivers overlook financial strength. Financial strength is crucial: it could be the difference between a denied and approved claim. Most of America’s largest insurance companies – GEICO, Nationwide, USAA, and other companies – are Read More…

Do You Need RV Insurance?

RV insurance protects recreational vehicles (RVs) from unexpected costs, accidents, and damages. But do you really need RV insurance? Most states require you to get RV insurance if your RV is a motorhome (i.e. if you’re driving it on the road). You may also be Read More…

What is an FR-44 Policy?

An FR-44 policy is a unique type of car insurance policy that certain high-risk drivers are required to have. An FR-44 policy isn’t technically insurance. An FR-44 is a certificate of “financial responsibility” (FR) proving a driver is carrying an adequate amount of insurance. An Read More…

Agreed Value vs. Stated Value Car Insurance Policies

Agreed value and stated value car insurance policies are the best choices for drivers in certain situations. What’s the difference between agreed value and stated value car insurance policies? Should you choose an agreed value or stated value insurance policy? Under an agreed value insurance Read More…

How Do AM Best Ratings Work (For Auto Insurance)?

It’s important to assess the financial stability of your insurance company. Today, many policyholders check A.M. Best ratings before choosing an insurance provider. How do A.M. Best ratings work for car insurance? What does A.M. Best do? What is an A.M. Best Financial Strength Rating 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 Read More…

What is a Replacement Cost Policy?

Replacement cost car insurance policies may make it easier to buy a vehicle after an insurance claim. With a replacement cost policy, your insurer will cover the cost of replacing your vehicle after an accident – not just the actual cash value of your vehicle. Read More…

The Top 15 Factors that Determine Your Auto Insurance Rates

Insurance companies use dozens of factors to calculate insurance premiums. Some factors, however, play a bigger role than others. Factors like your driving history, for example, tend to be more important than your credit score. Today, we’re highlighting the top 15 factors that determine your Read More…

What is UMPD Coverage? How Much Does It Cost?

Uninsured motorist property damage insurance (UMPD) covers vehicle repair and replacement costs after an accident with an uninsured driver. UMPD also covers vehicle repair and replacement costs in situations where the other driver was unknown – say, in a hit and run. Along with uninsured Read More…

What is UMBI Coverage? How Much Does It Cost?

Uninsured motorist bodily injury insurance, or UMBI, is a type of car insurance that covers injuries caused by uninsured drivers. UMBI also covers injuries in situations where the other driver is unknown – like with a hit-and-run accident. Approximately 1 in 7 drivers in America Read More…

Liability vs. Full Coverage: What’s the Difference?

When shopping for auto insurance, you need to decide whether you want liability coverage or full coverage. What’s the difference between liability and full coverage car insurance? Which one is right for you? Liability coverage protects other people from damage you inflict. If you cause Read More…

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