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.

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…

What Is Misrepresentation in Car Insurance?

When shopping for car insurance, you may hear the term ‘misrepresentation’ thrown around without fully understanding what it means. Misrepresentation is a type of car insurance fraud, and many people commit it without a full understanding of the potential consequences. It’s important to understand the Read More…

What is a Letter of Experience (For Insurance)?

A Letter of Experience can play a crucial role in the insurance process. A Letter of Experience, also known as a Letter of Claims Experience, may be required to prove your insurance history. If you are looking for a new insurance policy, or if you Read More…

What is Property and Casualty Insurance?

Property and casualty insurance is an umbrella term that includes many types of insurance policies. Car insurance is a type of property and casualty insurance, as is homeowners insurance and renters insurance. Today, we’re explaining everything you need to know about property and casualty insurance, Read More…

How to Get Witness Statements After a Car Accident

The moments after a car accident can be disorienting. It’s difficult to process what just happened and determine what the appropriate next step should be. One of the most important things to do in the moments following a car accident is to get witness statements. Read More…

What Happens If Your Car is a Total Loss?

A total loss insurance claim can be costly. If a car is declared a total loss, it means the repair cost exceeds the actual cash value of the car. What happens if your car is a total loss? What does it mean for your insurance Read More…

Do You Need Uninsured Motorist Coverage?

Uninsured motorist coverage covers certain damage if you collide with a motorist who doesn’t have insurance. In certain states, uninsured motorist coverage is required by law. In other states, uninsured motorist coverage is not required, although it may still be recommended. Today, we’re explaining everything Read More…

Does Credit Score Affect Your Car Insurance Rates?

Your credit score significantly impacts your car insurance premiums. A driver with good credit will pay less for car insurance than a driver with bad credit, all other things being equal. How exactly does your credit score impact car insurance rates? What other financial information Read More…

What Is Insurance Coverage?

Insurance coverage is the amount of risk or liability covered for an individual or entity through an insurance policy. Auto insurance, for example, provides coverage to your vehicle. Home insurance provides coverage to your house. Different insurance policies have different types of coverage. Coverage can Read More…

What is My Car Insurance Score?

Your car insurance score affects the price you pay for auto insurance. However, most drivers are unaware what their car insurance score is or how it works. Today, we’re explaining everything you need to know about auto insurance scores, including how to check your score Read More…

What Is a Policyholder?

A policyholder is the individual who has insurance coverage and is covered by that insurance. If you have a car insurance or home insurance policy, for example, then you are the policyholder. You own the insurance policy and are protected according to the terms of Read More…

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