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 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…

What Is the Arbitration Process Like for Car Accidents?

Some auto accidents cannot be settled out of court.  There is no shame in turning down a settlement offer and pursuing arbitration. If you are disappointed in the insurance carrier’s final offer after a few rounds of settlement negotiations, do not begrudgingly accept it.  Take Read More…

Diminished Value Claims Explained

An automobile involved in a collision is almost certain to have a diminished value stemming from dents, structural damage, chipped paint, scratches, reduced functionality, and other damage.  If you are even slightly suspicious an accident reduced the value of your vehicle, you should file a Read More…

How to Insure Your Used Car the Right Way

Purchasing a pre-owned vehicle and insuring it is not the same as if you were to drive off the lot with a brand-new car. You should always consider how much it will cost to insure a used car before you sign any paperwork and actually Read More…

How to Negotiate an Auto Insurance Settlement

Getting into a car accident can be really stressful, especially if you have no experience in negotiating an auto insurance settlement. People who aren’t aware of the settlement process often end up getting a low settlement amount from their insurance claims adjuster. This is why Read More…

Will Auto Insurance Cover Fire Damage?

Most consumers go through life thinking that they have their automobile insurance there in case of theft, vandalism, or a collision. One incident they might not think about is that of a fire. Automobile fires happen. Approximately one out of eight fires responded to by Read More…

Temporary and Short-Term Car Insurance Coverage Explained

Too many insurance companies toss around the term “short-term” or “temporary” car insurance but rarely explain it. Even those who make an effort to explain leave out key details, because they don’t offer true temporary coverage. Temporary coverage is hard to find, but not impossible. Read More…

State-by-State Auto Insurance Requirements

It is state law to carry auto insurance regardless of where you live in the United States. Only New Hampshire and Virginia do not strictly require you to have insurance coverage. The amount of insurance you are required to carry, however, varies by state. Each Read More…

What Car Insurance Do I Need While Traveling Abroad?

No one wants to think about the worst-case scenario while traveling abroad. However, life happens. You might be rear-ended while browsing the scenery of Italy or come back to your rental car only to find your possessions stolen while parked on the beaches of Spain. Read More…

How Do Car Insurance Companies Make Money?

While car insurance is one of the wisest investments you can make (in fact, if you want to drive a car legally, you have to purchase liability coverage, at the bare minimum), you still might be wondering how your carrier is profiting off of you. Read More…

Low-Income Auto Insurance Options in the US

If you’re a low-income individual or family, then you may be eligible for various government programs – including low-income car insurance options. Low-income households spend a disproportionately high percentage of their annual income on car insurance. A $1,500 car insurance policy accounts for 1% of Read More…

How Do Car Recalls Impact Car Insurance?

So your vehicle has been recalled. How does this affect your car insurance? Will you pay more or less for car insurance after an auto recall? Every year, more than 200 vehicles are recalled across the United States. Some of these recalls are minor issues Read More…

How to File a Police Report After an Accident

A police report is an important document in the weeks following an accident. A police report can often be the difference between your claim being denied or accepted. It can also be the difference between you being found at-fault or not at-fault for the accident. Read More…

What Are the Common Types of Car Insurance Fraud?

American insurance companies lose millions of dollars to car insurance fraud every year. Keep reading to discover the most common types of insurance fraud in the United States, including types of car insurance fraud that may affect you. Vehicle Dumping Some owners commit fraud by Read More…

How to Insure a Classic or Collector Vehicle

As a collector, you probably view your classic or antique vehicle not only as a hobby but as an investment as well. Protection of your investment includes many things, such as proper maintenance, keeping it clean, and parking it in a safe spot. It also Read More…

Tort and No-Fault Auto Insurance Systems Explained

There are two general types of auto insurance systems in the United States, including tort systems and no-fault systems. What’s the difference between the two? What are the advantages of tort systems versus no-fault systems? Today, we’re explaining everything you need to know about the Read More…

Everything You Need to Know About Multi-Car Discounts

Multi-car discounts are the most common car insurance discount available to drivers in the United States. As long as you insure more than one of your automobiles with a single auto insurance provider, there’s a good chance you’ll qualify for this discount. Are you eligible Read More…

How Long is the Grace Period for Auto Insurance?

Does your car insurance policy come with a grace period? Will your insurer give you an extra few days to make a payment? Does your insurance end immediately after you miss a payment? These are all good questions. Today, we’re explaining everything you need to Read More…

How Does No Fault Auto Insurance Work?

No-fault insurance is a type of car insurance required in certain states in America. What is no-fault auto insurance? Which states require no-fault insurance? Today, we’re explaining everything you need to know about no-fault states and no-fault insurance. What is No-Fault Auto Insurance? No-fault auto Read More…

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