Types of Auto Insurance Coverage

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The Pros and Cons of Car Insurance (Usage-Based)

Are you looking for ways to lower your insurance rates? If you haven’t already heard, so-called “usage-based insurance” is one of the most talked-about (and controversial) technologies in the world of car insurance. Across many insurance companies, it’s becoming one of the most popular ways to get discounted rates. The pros and cons of usage-based...

Are you looking for ways to lower your insurance rates? If y...

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Auto Death Indemnity Coverage

You’ve already decided to purchase uninsured motorist, roadside assistance, rental car insurance, and personal injury protection or med pay coverage…so why not go for auto death indemnity too, right? The options for additional coverage on an auto insurance policy are seemingly endless. Sometimes overwhelming. Where exactly do you draw the line? When is enough, enough?...

You’ve already decided to purchase uninsured motorist, roa...

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Pay Your Insurance Bills with a Credit Card to Earn Lots of Miles and Points

Here’s a little tip/reminder that you can usually pay all your insurance premiums with a credit card. If you plan it, you can schedule an automatic payment for that amount to avoid unnecessary interest or debt while still taking advantage of all the benefits your credit card company is willing to offer. Of course, it’s essential...

Here’s a little tip/reminder that you can usually pay all ...

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Commercial Auto vs. Personal Auto vs. Business Auto

If we haven’t lost you already, read on and we’ll try to provide a basic overview of the differences between three common types of auto insurance policies. It can seem like it’s overwhelming at first, with all the details you need to give to providers, about whether or not the car you’re getting protection for...

If we haven’t lost you already, read on and we’ll try to...

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Liability vs. Medical Payments Coverage

It’s that time again, where we look at a common insurance match-up. Today’s contenders: “Liability vs. medical payments coverage.” So what’s the difference between liability and medical payments coverage? Usually a substantial amount of money! Seriously though, TTAI gets a lot of questions about these two coverage types…specifically, why you would need medical payments coverage...

It’s that time again, where we look at a common insura...

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Broad Form Auto Insurance

Ever heard of a “broad form auto insurance” policy? This type of auto insurance is usually dirt cheap, as it only provides liability insurance (uninsured motorist coverage and personal injury protection can be added), and eliminates the variable of risk for the insurer by excluding every human being on the planet, other than the named...

Ever heard of a “broad form auto insurance” policy? This...

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Allstate Good Hands Roadside Assistance Review

The Allstate Insurance Company offers two basic roadside assistance programs: Roadside Advantage and Platinum Elite. The former is the basic plan and the latter offers more coverage at a higher price. Allstate roadside assistance is available in all states except California for most passenger vehicles and light trucks. The company also offers the Pay-Per-Use (formerly...

The Allstate Insurance Company offers two basic roadside ass...

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Allstate Motor Club Roadside Assistance Review

The Allstate Motor Club, affiliated with Allstate Insurance Company, is celebrating its 50th anniversary with a television based marketing push. Established in 1961, the Allstate Motor Club was the original national motor club offering roadside assistance to drivers. I know what you’re thinking…we’ve got it backwards, and mean to say AAA! Rest assured, we’ve done...

The Allstate Motor Club, affiliated with Allstate Insurance ...

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Garage Insurance: What You Need to Know

Garage owners – and we’re not talking about homeowners with a garage, rather auto repair shops and other auto-related services, including customization shops and service stations – are subject to unique liability exposures as a result of their daily business operations. While owning/operating this type of business requires commercial general liability coverage, there is also...

Garage owners – and we’re not talking about homeowners w...

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Hired Car Coverage and Non-Owned Auto Liability Insurance

As you might suspect, commercial insurance can be quite a bit more complicated than personal insurance. There tend to be more coverage options as there are many more liability and property damage risks associated with operating a commercial business. This often leads to business owners questioning charges on their policy for coverage they don’t understand....

As you might suspect, commercial insurance can be quite a bi...

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New Car Replacement Insurance vs. GAP Insurance

Insurance match-ups: “New car replacement insurance vs. GAP insurance.” First off, congratulations on the purchase of your new car. Now let’s make sure you have the right insurance to cover your brand-new vehicle. You’ve likely heard that a brand-new vehicle loses value the second it’s driven it off the lot. Well, the reality is the...

Insurance match-ups: “New car replacement insurance vs. GA...

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Pay-As-You-Go Car Insurance Approved in California

Traditional policies can seem like a lot to someone who doesn’t drive far or frequently. There are so many personal circumstances that could lead to someone overpaying for even the most basic coverage. As most of us are aware, insurance costs can take up much of our monthly budget. Now there’s some good news if...

Traditional policies can seem like a lot to someone who does...

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What does liability car insurance cover?

It’s a good idea to fully understand the coverage on your car insurance policy, despite how complicated it may seem. This certainly includes knowing what your “liability-only car insurance coverage” does for you, considering the fact that it is mandatory in nearly every state in the union. Put simply, you should not operate a car without at least this...

It’s a good idea to fully understand the coverage on your ...

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Uninsured Motorist Property Damage

Automobile insurance can get pretty complicated. There are a lot of coverage types available to us as consumers. One of the most misunderstood coverage types available is “uninsured motorist property damage,” also known as UMPD. What is uninsured motorist property damage? Uninsured motorist property damage is liability coverage designed to pay for damage to your...

Automobile insurance can get pretty complicated. There are a...

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Med Pay vs. Personal Injury Protection

Insurance shoppers in states where no-fault insurance options are available may be wondering if they need Med Pay or Personal Injury Protection (PIP). PIP is often better known, and it can be a valuable asset no matter where you live. It covers medical costs following an auto accident, and it can cover lost wages and...

Insurance shoppers in states where no-fault insurance option...

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Pay As You Go Car Insurance

“Pay-as-you-go car insurance” is a relatively new type of insurance coverage borne out of the ongoing struggle to lower the cost of insurance and offer a wider variety of insurance options. Pay-as-you-go car insurance is an insurance policy with premiums calculated based on how frequently you drive and how far you drive. Drivers who drive...

“Pay-as-you-go car insurance” is a relatively new type o...

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Deer Insurance

Depending on where you live, hitting a deer may be a big concern to you, especially during certain times of the year. Collisions with deer are far more numerous during mating season, which is typically between the months of October and December. You may be covered by your auto insurance policy in the unfortunate event...

Depending on where you live, hitting a deer may be a big con...

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Property Damage Liability vs. Physical Damage Coverage

Insurance can be difficult to grasp. Many of the terms used to express coverage sound similar but have completely different meanings. For example, property damage liability and physical damage coverage are two of the most commonly misunderstood and confused types of coverage. While they almost sound exactly the same on the surface, the difference between...

Insurance can be difficult to grasp. Many of the terms used ...

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Named Non-Owner Auto Insurance Coverage

Insurance Q&A: “Can I buy car insurance without owning a car?” You don’t own a car, but want to ensure you’re covered when driving another person’s vehicle. Sounds logical, right? What is a named non-owner auto insurance policy? Fortunately, it is possible to purchase liability, medical payments, personal injury protection, and uninsured motorist coverage with...

Insurance Q&A: “Can I buy car insurance without ow...

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What is an SR-22 filing?

  There are only a few possible reasons why you’re inquiring about SR-22 insurance.  Either you’ve been convicted of driving a vehicle without proof of mandatory liability insurance, or one of many other moving violations considered to be major driving offenses…the most common being a DUI/DWI. However, driving without coverage could also see you with...

  There are only a few possible reasons why you’re inquir...

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