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 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…

What Is Pre-Loss Condition?

Pre-loss condition refers to the condition of a property – like a home or a vehicle – before it was damaged. If your car was involved in a car accident, then the car’s pre-loss condition is whatever it looked like the moment before the accident. Read More…

What is Stacked Insurance Coverage?

When shopping for car insurance, you’re going to come across many new terms and concepts. One of these is the concept of stacking your insurance coverage. There are a few different ways that you can stack your insurance coverage to increase your potential payout in Read More…

What Is the Claims-Free Discount?

Auto insurance companies offer several different policy discounts to their customers. In fact, they offer so many discounts that it can be confusing for new customers to understand what they are or how to get them. One of the most common discounts you’ll encounter is Read More…

How Much Commission Does an Auto Insurance Agent Make?

Most people assume auto insurance agents make decent money, enjoy comfortable working conditions, and enjoy a relatively stress-free job. Though some auto insurance agents make upwards of six-figure per year, the vast majority are at least somewhat reliant upon their commissions. Upwards of one-quarter of Read More…

What is a Disappearing Deductible?

The act of a vanishing deductible is no magic trick. Instead, it is a tactic insurance companies use to lower or reduce your deductible each year as long as you have zero accidents on your record. For some motorists, a disappearing deductible is enticing. After Read More…

Will Car Insurance Pay for Flood Damage?

With a busy hurricane season expected this year and historic floods in the Midwest during spring, many people are experiencing flood damage. Unfortunately, the sight of water completely covering a car is all too common during these events. Flood damage is handled very differently with Read More…

How to Check If Your Auto Insurance Is Active

Plenty of people drive to and from work and elsewhere assuming their auto insurance is active only to find out their coverage has lapsed, been canceled or is inactive for another reason.  Simply securing an auto insurance policy does not mean it is active. You Read More…

Insurance for Modified Cars

When you make modifications to your car, you might want to notify your car insurance company. There are a lot of ways that you can modify your car. If you want to make sure that damages or replacement of your modifications are covered, you should Read More…

What is an Excluded Driver for Car Insurance?

There are a lot of things about car insurance that can be confusing, and one of them is excluded drivers. You may have heard of excluded drivers, but not know what they are or why they are necessary. Car insurance companies typically want to have Read More…

How Does Force Placed Insurance Work?

Force placed insurance is a term that most people are not familiar with. When it comes to car insurance, most people are familiar with their state’s minimum insurance requirements, as well as the insurance requirements of their lender. However, force placed insurance on a vehicle Read More…

What is a Collision Deductible Waiver? Is It Worth It?

There are a lot of options available with a car insurance policy depending on your state and the car insurance company that holds your policy. One of the features that you can get is a collision deductible waiver (CDW). Before jumping into this additional coverage, Read More…

All About the Good Driver Discount

When it comes to car insurance, any discount you can receive is a good thing. Car insurance can be quite expensive, depending on several factors such as where you live and what type of car you drive. One of the universal discounts that is often Read More…

Getting Insurance For Financed Vehicles

If you have a car loan or are considering taking out a loan for a vehicle, you have likely wondered if you absolutely have to have insurance.  Indeed, auto loan holders mandate vehicles with outstanding debt to be insured. However, there is still some question Read More…

What is Subrogation And How Does It Work?

The insurance industry is notorious for many reasons, perhaps none more so than trying to confuse customers with language that few people understand. The ironic thing is, courts have ordered companies to make the language of an insurance contract readable to a 3rd grader. There Read More…

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