Auto Insurance Basics

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What is a collision deductible waiver?

Insurance Q&A: “What is a collision deductible waiver?” Sadly, studies reveal that as many as 16 out of every 100 drivers are currently uninsured, which doesn’t even scrape the surface of the risk you take every time you get behind the wheel of your car. You also need to factor in drivers who may be considered...

Insurance Q&A: “What is a collision deductible waiver?...

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Defensive Driving Class: Is It Worth It?

The Truth in a Nutshell Defensive driving classes may save you five to ten percent on your car insurance Not all defensive driving classes will remove points from your license Accidents can raise your rates by an average of around $80 a month So is defensive driving worth it? Just how much does a defensive...

The Truth in a Nutshell Defensive driving classes may save y...

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Do I need insurance to buy a used car?

Insurance Q&A: Do I need insurance to buy a used car? The devil is in the details when it comes to answering this question. While it is mandatory in nearly every state to have at least minimum car insurance coverage (liability-only) to operate a motor vehicle on a public road, it is not mandatory to...

Insurance Q&A: Do I need insurance to buy a used car? Th...

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How much does insurance go up with one point?

If you find yourself worrying about points on your record, you may be asking, “How much does insurance go up with one point on my driver’s license?” or “How much will my car insurance go up with three points?” The answer may surprise you. The rate increase is not always a direct cause and effect....

If you find yourself worrying about points on your record, y...

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How much does insurance go up after a ticket?

Insurance Q&A: “How much does insurance go up after a ticket?” If we had a nickel for every time we were asked this question, we’d be able to afford our car insurance! These types of questions are common around here, and come in many variations. How much does insurance go up after an accident, a...

Insurance Q&A: “How much does insurance go up after a ...

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Are online insurance quotes accurate?

Insurance Q&A: “Are online insurance quotes accurate?” The internet has changed the face of insurance sales. Millions of Americans are hitting the web to do their insurance shopping nowadays. And like everything else viewed and purchased on the internet, you can win or lose depending on how you go about the process. This leads a...

Insurance Q&A: “Are online insurance quotes accurate?...

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What To Do If Your Car Insurance Will Not Pay For a Claim

Insurance Q&A: “What to do if your car insurance will not pay for a claim?” There are few things more frustrating…and while I hope you’re reading this article to research for a term paper, the odds are you ended up here because you are having difficulty seeing eye to eye with your car insurance claims...

Insurance Q&A: “What to do if your car insurance will ...

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How does insurance determine the value of a car?

If you’ve ever been in a car accident, you know it can be a lot of drama. Aside from any health-related issues, you’ll probably also have to deal with damage to your vehicle, on top of working with your insurance company to report the accident. Whether the accident was your fault or caused by another...

If you’ve ever been in a car accident, you know it can...

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Umbrella Insurance: Is It Worth Buying?

Umbrella insurance, formally known as a personal umbrella policy, is one of the best and cheapest insurance policies on the market. Unfortunately, it’s also one of the most undersold policies in insurance. Many people think that if they aren’t going to need to file claims, or that they won’t require a certain amount of coverage,...

Umbrella insurance, formally known as a personal umbrella po...

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How Much Car Insurance Do I Need?

Car Insurance Q&A: “How much car insurance do I need?” Most of us know car insurance is mandatory, but very few know how much they need? You don’t want to be “under-covered,” but at the same time, you don’t want to be oversold and wind up paying far too much for coverage you don’t need....

Car Insurance Q&A: “How much car insurance do I need?...

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Is car insurance required in every state?

Insurance Q&A: “Is car insurance required in every state?” Simply put, no, car insurance is not required in every state. Currently, 48 states and Washington D.C. require that you obtain mandatory minimum car insurance before operating a motor vehicle. Basically, this means you have to have proof from an insurance company, evidenced by an I.D....

Insurance Q&A: “Is car insurance required in every sta...

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My Car Was Broken Into, Can I File a Claim?

I get asked this question a lot as an insurance professional. The answer is yes, assuming you purchased the right type of coverage on your personal auto insurance policy. Just like any other type of damage, you decide before anything ever happens what your insurer will cover. But you might be surprised to find out...

I get asked this question a lot as an insurance professional...

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Do I Need Uninsured Motorist Coverage?

Insurance Q&A: “Do I need uninsured motorist coverage?” Uninsured motorist coverage, as well as, underinsured motorist coverage are available in most states at the moment. While this coverage is not mandatory in every state, auto insurance companies typically have to offer it and it is highly recommended you purchase it in an amount equal to...

Insurance Q&A: “Do I need uninsured motorist coverage?...

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Is California a no-fault state for auto insurance?

Twelve states and Puerto Rico have no-fault car insurance laws. With so many Americans residing in one of the biggest states in the nation, many people are likely to ask: “Is California a no-fault state for auto insurance?” This guide will tell you everything you need to know about California’s fault system for auto accidents....

Twelve states and Puerto Rico have no-fault car insurance la...

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No-Fault Insurance Laws by State

No-fault insurance coverage provides compensation to insured parties in an accident without having to prove which party was at fault, or negligent. These laws have been adopted by many states in order to speed up injured party compensation and to unclog our court systems from time consuming lawsuits. Additionally, no-fault laws restrict and can minimize...

No-fault insurance coverage provides compensation to insured...

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What is a motor vehicle record?

Car insurance companies use a number of tools to determine how much to charge you for insurance coverage.  One of the most commonly used reports is the “MVR,” or “motor vehicle record.” An MVR is a report that contains information regarding your personal driving record, including the tickets and accidents you have been charged with...

Car insurance companies use a number of tools to determine h...

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Auto Insurance: Am I Covered?

Trying to figure out what sort of auto insurance policy you need can be pretty complicated stuff. Most of us aren’t attorneys or insurance policy experts. Heck, have you ever actually read through your entire insurance policy? We all like to think we’re covered in any situation as long as we purchase a policy, but...

Trying to figure out what sort of auto insurance policy you ...

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How are car insurance rates determined?

Auto insurance companies don’t see us the way we see ourselves. They see us as a calculated “risk” with a mathematical chance of being profitable for them. Think of it this way. Imagine if your friends and family all asked if you would give them a loan. Now assuming you have a limited amount of...

Auto insurance companies don’t see us the way we see ourse...

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