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 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…

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…

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