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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.
Most major insurance companies offer good student discounts. If you have a B average or higher, then you could save hundreds per year on car insurance. Good student discounts vary between companies. Some companies require an ‘A’ average, for example, while other companies require a Read More…
Many insurers offer a distant student discount. If you are a college student living away from home, then you could qualify for this discount. You might qualify for the discount if you live more than 100 miles away from your home address. Some insurers require Read More…
When shopping for a new car insurance policy, you may hear a lot of industry terminology that you aren’t familiar with. One common term to be aware of is the concept of a car insurance binder. When you purchase a car insurance policy, you’ll often Read More…
The best way to save money on car insurance is to avoid an accident. The best way to avoid an accident is to be a defensive driver. Many people claim to be defensive drivers. However, some people are better defensive drivers than others. A good Read More…
Bodily injury liability (BIL) coverage is mandatory in most states. If you don’t have bodily injury liability coverage, then you cannot legally drive. Bodily injury liability coverage covers injuries you inflict on other people. If you hit a pedestrian, for example, or harm another driver Read More…
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…
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…
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…
Keeping track of your car insurance claim is important. You can learn when you’ll receive payment. You can stay up-to-date on repairs or get alerts if more evidence is needed. Most insurance companies make it easy to check the status of your insurance claim. In Read More…
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…
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…
Filing car insurance claims can be very confusing, as there are so many different types of claims you can file. One type of car insurance claim you may not have heard of before is the loss of use claim. A loss of use claim is Read More…
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…
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…
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…
When reading through your car insurance policy, you’ll likely notice a number of unique terms that you may not have seen before. If you have a loan out on your car or are renting a car from someone else, you may see a loss payee Read More…
The continuous coverage car insurance discount can save you hundreds of dollars per year. The continuous insurance discount rewards drivers who have kept car insurance for several years. If you have not canceled or paused car insurance in the last few years, then you may Read More…
Some state DMVs require proof of financial responsibility in lieu of auto insurance. Financial responsibility is a driver’s ability to pay for damages after a car accident. It’s easy to confuse proof of financial responsibility with insurance. After all, insurance also proves that you are Read More…
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…
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…
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 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…
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…
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…
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…
