Category: Blog
Why Did My Car Insurance Company Raise My Rates?
August 8, 2018
Have you been shocked by your latest auto insurance bill? You’re not alone. Millions of drivers see premium increases each year—sometimes for reasons that feel confusing or unfair. Why do car insurance companies raise rates? Is it inflation, underwriting adjustments, or something specific to you? Below, we break down the most common reasons car insurance […]
How Does Total Mileage Driven Impact My Car Insurance Rates?
July 31, 2018
Your annual mileage plays a major role in determining your car insurance rates. The more you drive, the more exposure you have to accidents. More accidents lead to more claims, which leads to higher risk for your insurer — and higher premiums for you. Because of this, insurance companies heavily factor your total yearly mileage […]
Does Car Insurance Cover Stolen Holiday Presents?
July 27, 2018
You load up your car with holiday presents, head into a store or restaurant, and return to find your window smashed and your gifts gone. It’s a terrible feeling—especially during the holidays. But will your car insurance pay to replace the stolen items? Below, we explain exactly what car insurance does and doesn’t cover when […]
Cheap Car Insurance: Why the Lowest Price Isn’t Best
July 17, 2018
Cheap car insurance looks great on your monthly budget—but it can backfire badly when you need it most. Bare-minimum policies and rock-bottom premiums often come with serious trade-offs in coverage, protection, and service. Before you buy the cheapest policy you can find, it’s important to understand what you’re giving up. Below, we’ll walk through the […]
Car Insurance for Drivers Over 60
July 10, 2018
Conventional wisdom says that drivers in their 50s pay the lowest auto insurance rates — and that’s generally true. But as you enter your 60s, premiums may begin to creep upward. While drivers in their early 60s still tend to pay reasonable rates, insurers consider mid-60s and older drivers part of a slightly higher-risk group. […]
Does Car Insurance Cover Lost Wages After an Accident?
July 5, 2018
If you were injured in a car accident and can’t work, the financial impact can be overwhelming. Lost income is one of the most stressful parts of recovering from an accident. Fortunately, depending on the type of auto insurance you carry (and who caused the crash), you may be eligible to receive compensation for lost […]
When to Hire an Auto Insurance Lawyer
June 30, 2018
Hiring an auto insurance lawyer can make a major difference in the outcome of your claim. A skilled attorney can help overturn an unfair denial, negotiate higher compensation, and protect your rights when an insurance company acts in bad faith. Whether you are dealing with a stalled or denied claim, serious injuries, or low settlement […]
How Much Does the Average American Spend Per Month on Car Insurance?
June 18, 2018
Auto insurance is one of the biggest recurring expenses for many Americans. After housing, utilities, and car payments, car insurance is often the next-largest monthly bill. But how much does the average American actually pay per month? And how does your rate compare? Key Takeaways How Much Does the Average American Pay for Car Insurance? […]
How Do You Insure a Driver with a Learner’s Permit?
June 9, 2018
If your teen just received a learner’s permit, you may be wondering whether you need to update your auto insurance policy. Do learner’s permit drivers require special coverage? Are they automatically insured under your policy, or do you need to notify your insurer first? Below, we explain everything you need to know about insuring a […]
What Happens With Insurance If You Are At-Fault in an Accident?
May 29, 2018
If you’ve been involved in an at-fault collision, you can expect several consequences—including higher insurance premiums. Insurance companies rely heavily on your driving record when calculating your rates, and accident history is one of the most important factors they consider. Even a single at-fault accident can significantly impact what you pay. Below, we explain what […]
Does Car Insurance Cover Hail Damage?
May 23, 2018
Hailstorms can cause serious and expensive damage to vehicles. If your car is dented, cracked, or totaled by hail, you’ll want your insurance to step in—so does car insurance cover hail damage? The answer depends on which type of coverage you have. Below, we explain exactly when hail damage is covered, when it’s not, and […]
What Age Has the Cheapest Car Insurance?
May 19, 2018
Car insurance rates change significantly with age. Young drivers pay higher premiums because they lack experience, while older drivers often see rising rates again as age-related risk factors increase. Somewhere in between lies the “sweet spot” — the age range where most drivers pay the lowest rates. Below, we break down how age affects pricing […]
How to Bundle Auto and Homeowners Insurance to Save Money
May 14, 2018
If you look at any list of the best ways to save money on car insurance, you’ll see “bundling” near the top. Bundling is still one of the easiest, most reliable ways to reduce your insurance costs. But what exactly is bundling? How does it work? And how can you bundle auto and homeowners insurance […]
Why Is Car Insurance So Expensive in Michigan?
May 10, 2018
Michigan is consistently one of the most expensive states in America for auto insurance. For years, Michigan drivers have paid some of the highest premiums in the nation — even after major reform efforts. Why is car insurance so expensive in Michigan? Why do Michigan drivers pay far more than drivers in most states? Below, […]
Will My Insurance Company Cover Me If I Start Driving for Uber or Lyft?
May 3, 2018
So you’re thinking about driving for a rideshare company like Uber or Lyft — and you’re wondering how car insurance works. Do you need special insurance to drive for Uber or Lyft? Will your personal insurer cover you? Should you notify your insurance company before you start driving? Below, we explain how rideshare insurance works […]
Why Is Car Insurance So Expensive in Florida?
April 30, 2018
Drivers in Florida pay some of the highest car insurance rates in the United States. What makes Florida such an expensive place to insure a vehicle? Why are car insurance premiums so high in Florida? Below, we break down all the major factors driving Florida’s high insurance costs. Key Takeaways Florida Is Consistently Among the […]
Are There Car Insurance Discounts for Teachers?
April 26, 2018
Drivers with certain jobs may qualify for special auto insurance discounts. Some professions statistically file fewer claims, which means insurers often reward them with lower premiums. Are there car insurance discounts for teachers? Can educators expect to pay less for auto insurance? Below, we explain how teaching can help you save—and which companies offer the […]
Affordable Car Insurance for SSI Recipients
April 25, 2018
If you receive Supplemental Security Income (SSI), you may be wondering whether you qualify for special car insurance rates—or whether insurers will charge you more because of your disability or fixed income. Many SSI recipients live on tight budgets, so finding affordable coverage is important. The good news: your SSI status does not disqualify you […]
The 6 Cheapest Auto Insurance Companies for College Students
April 18, 2018
College students have a lot of expenses—tuition, books, housing, fees, and everyday living costs. Paying for car insurance may feel like the final financial straw. Fortunately, students have access to many unique discounts and cost-saving opportunities that can significantly reduce premiums. Insurance companies know students are often on tight budgets, and many offer incentives or […]
Can You Get Car Insurance Without a Job?
April 16, 2018
You’re unemployed and you need car insurance—now what? Can you still get coverage? Does your employment status impact your rates? The good news: being unemployed does NOT prevent you from buying car insurance, and in some cases, you may even pay less. Below, we explain how employment status interacts with auto insurance pricing, why it’s […]
Should You Make a Claim? Deciding Whether or Not to File a Claim After an Accident
April 2, 2018
So you’ve been in a car accident. Your first instinct might be to immediately file a claim with your insurer—but that isn’t always the best financial choice. In many situations, you may actually be better off paying out of pocket. Below, we break down when you should file a claim, when you shouldn’t, and why […]
How to Find Cheap Auto Insurance Quotes Even If You Have a Speeding Ticket
March 30, 2018
So you received a speeding ticket—but you still want to find cheap auto insurance. While a ticket will almost always raise your rates, there are still reliable ways to secure affordable coverage. Below, we break down how speeding tickets affect insurance and how you can still get cheap quotes afterward. Key Takeaways: How Do Speeding […]
Is Usage-Based Car Insurance Right for You?
March 24, 2018
Usage-based car insurance (UBI) has become increasingly popular among drivers who want a more personalized—and potentially cheaper—insurance experience. Instead of relying only on traditional pricing factors like age, driving record, vehicle, location, and mileage estimates, UBI uses real driving data to help determine how much you pay. But is it right for you? Below, we […]
Why is Car Insurance So Expensive in Louisiana?
March 5, 2018
If you’ve ever looked at a list of the most expensive states for auto insurance, you may be surprised to see Louisiana consistently ranked near the top. For many years, Louisiana has been listed as the #1 or #2 most expensive state for car insurance in America. Why does Louisiana pay so much more than […]
Why Are Car Insurance Policies 6 Months Long?
February 24, 2018
Most car insurance policies renew every 6 or 12 months. But why are 6-month policies so common? Why have many major insurers moved away from 12-month terms? And which option is better for your wallet? Below, we break down why many insurers prefer 6-month auto insurance policies—and whether you should choose a 6-month or 12-month […]