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Actual Cash Value (ACV) Meaning for Cars

Insurance Q&A: “How is actual cash value determined?” Sadly, at some time or another, we’ve all heard the phrase, “My car got totaled.” Typically, this conjures a picture in our heads of a car so badly damaged that there is no way it could possibly be repaired. We’ve also heard stories where a vehicle “should...

Insurance Q&A: “How is actual cash value determine...

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Car insurance with Cataracts

“Can I get car insurance with cataracts?” This might be a question weighting heavily on you as you get older and your body begins to change. As long as your vision meets certain requirements, you can still drive and get car insurance even with cataracts. However, if cataracts ends up making your driving unsafe, your...

“Can I get car insurance with cataracts?” This m...

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Free Insurance Quotes: Are Insurance Quotes Free?

It’s common for insurance-related advertisements to end with, “Call today for a free quote!” Are insurance quotes free? That seemingly magical offer might lead the average consumer to believe getting quotes from another auto insurance company would cost them some of their hard-earned money. Contrary to what you may believe, free insurance quotes are available....

It’s common for insurance-related advertisements to end wi...

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Frequently Asked Questions About Tires and Car Insurance

The Truth in a Nutshell Car insurance covers tires sometimes, but only if you have the right coverage Tires that are flat, slashed or stolen will not be covered by your liability-only car insurance Comprehensive car insurance will cover stolen tires or slashed tires One particular issue many consumers seem concerned about is tires, seeing...

The Truth in a Nutshell Car insurance covers tires sometimes...

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Car Insurance and Moving Back Home With Your Parents

The following question came from a reader: “I just moved back in my mother’s house and I recently got my own car insurance with GEICO. Just prior to having GEICO, I started a policy under my mothers insurance. My mother says that her insurance company won’t deduct the prices to what she used to pay...

The following question came from a reader: “I just moved b...

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Car Insurance Policy Terms: 6-Month vs. 12-Month

We all like choices. When it comes to car insurance, some choices are more difficult, such as Med Pay vs. PIP, while others are a “no-brainer.” This post fits into the latter category. We’ll let the cat out of the bag right away and tell you the 12-month auto insurance policy is the way to...

We all like choices. When it comes to car insurance, some ch...

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Mileage-Based Car Insurance: A Good Idea?

Mobile phone companies rake in millions of dollars each year on overage charges, lovingly known as “overages.” You buy a specific number of minutes to save a few bucks on your bill, then you unknowingly “go over” and are hit with a bill that costs hundreds more than the “unlimited” plan you didn’t opt for....

Mobile phone companies rake in millions of dollars each year...

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10 Ways to Lower Your Car Insurance Premium

Most consumers these days seem to be looking for simple ways to save a buck or two on their car insurance. Fortunately, there are several ways to accomplish this feat with very little work. Let’s look at the top 10 ways consumers can reduce their auto insurance costs. And while you’re here, you might want...

Most consumers these days seem to be looking for simple ways...

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Car Surfing and Insurance

Young people do crazy things. The older we get, the more foolish these things (and things we did when we were that age) appear to be. However, the new trend of ‘car surfing’ will likely be one of those that everyone will look back on as just plain stupid and dangerous. Apparently surfing isn’t just...

Young people do crazy things. The older we get, the more foo...

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Commercial Auto Insurance Coverage Symbols

Commercial auto insurance differs significantly from personal auto insurance in terms of insurance premiums and what they include for their customers. Thus, commercial auto symbols will differ from personal auto insurance symbols as well.  Business auto insurance forms provide business owners with a few more options for choosing particular coverage types for specific vehicles they...

Commercial auto insurance differs significantly from persona...

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Car Insurance Cancellation and Non-Renewal

We know most people like to “set-it-and-forget-it” when it comes to car insurance, and that a cancellation or non-renewal notice means a small amount of panic. Vehicles require quite a lot of upkeep, so even if we’re used to auto-payments and auto-renewals, there are some factors that could lead to an interruption. But, as you...

We know most people like to “set-it-and-forget-it” when ...

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Replacement Cost vs. Actual Cash Value

Much like everything else we buy, insurance comes with a lot of options. And just like everything else, you can go the economical route and give up a little quality and miss out on some bells and whistles, or you can pony up a few more bucks and get the whole shebang. The terms “replacement...

Much like everything else we buy, insurance comes with a lot...

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How to Get Cheap Car Insurance

Insurance Q&A: “How to get cheap car insurance?” The cheapest car insurance isn’t always the best choice, as options and auto coverage can vary greatly among different companies. Some providers even have coverage limits depending on what sort of driver profile you have. A driver needs to be responsible and not only protect their vehicle,...

Insurance Q&A: “How to get cheap car insurance?” The...

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Most Expensive Cars to Insure

A big chunk of your auto insurance premium is determined by what kind of car you drive. No matter how safe a driver you are, some cars cost more to replace or leave you vulnerable to more serious injuries in an accident. Insurance companies account for all these and other factors. So we thought it’d...

A big chunk of your auto insurance premium is determined by ...

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Car Insurance Renewal Tips: Make Sure They’re Actually Shopping Your Rate!

You found an insurance agent, got your VIN numbers, calculated how many miles you drive per year, chose liability limits and made your down payment. You get your I.D. card for the glove box and sigh a breath of relief.  Finally, it’s over.  That looming task of getting your car insurance policy is complete. You...

You found an insurance agent, got your VIN numbers, calculat...

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Rental Car Insurance: Not a No-Brainer

Don’t be embarrassed if you’re not sure whether to get the “rental car insurance” or not. I recently paid nearly $300 for a week long car rental while on vacation!  That’s why I decided to include the subject on this site. Stop me if you’ve heard this one before: Rental Car Agent: Hello unknowing customer!...

Don’t be embarrassed if you’re not sure whether to get t...

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Auto Insurance Checklist: What to Ask Your Agent

If you are anything like us here at TTAI, your life is already too busy to take on any more tasks. So we’ve put together a comprehensive list of the questions you need answers to in order to make sure you have the right auto insurance coverage. We want to make sure that you’ll be...

If you are anything like us here at TTAI, your life is alrea...

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Car Insurance Liability Limits

Getting caught driving without insurance can cost you a lot in the way of fines and higher insurance premiums…not to mention you’ll need to get an SR22 as part of your punishment. In case you haven’t heard, liability car insurance coverage is mandatory in most states, and you should not operate a car without at...

Getting caught driving without insurance can cost you a lot ...

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