Mark Romero - Home Insurance Expert

The next time you examine the declarations page of an auto insurance policy, be sure to read the fine print to learn how reimbursement will work in the future for property loss. Generally, the declarations page of your insurance policy explains whether your policy pays out the actual cash value or the replacement cost if […]

UPDATED: AUGUST 22, 2023

Owning and maintaining a car is difficult as it is without having to worry about all of the car insurance risk factors that cause premiums to rise. Multiple factors play a role in deciding whether or not the policyholder will see a drastic price change. For these reasons, it is vital to recognize these factors […]

UPDATED: APRIL 27, 2023

Car insurance is a legal requirement in most states, and it’s also a smart way to protect yourself financially in case of an accident. But with so many different types of car insurance policies available, it can be hard to know which one is right for you. In this article, we’ll take a look at […]

UPDATED: AUGUST 02, 2023

Unless you run into legal trouble, you will likely never hear about an SR-22 insurance form or its relationship to auto insurance. But if or when you do, you will need to know what an SR-22 form is, why you would need one, and how to get it properly filed.  What Is an SR-22? An […]

UPDATED: APRIL 27, 2023

Wondering how hard it is to get auto insurance with a previous claim? The good news is. It’s not too difficult. The bad news is. Your insurance will probably cost more than it did before you filed a claim. Let’s look at what happens when you file a claim, how to get new insurance after […]

UPDATED: SEPTEMBER 22, 2023

Insurance companies use algorithms to estimate risk and determine how much they will charge their drivers. The drivers assign three risk levels: preferred, standard, and non-standard auto insurance. Preferred and standard drivers are low- to medium-risk and generally have no trouble getting an insurance policy. These drivers might have a few traffic violations, but their […]

UPDATED: APRIL 27, 2023

A DWI or DUI are three words that can cause the blood to run cold in your body. No one wants to hear them because it usually means they are in trouble. Mainly these three simple letters can do a lot of damage to your driving record. You might not realize the difference between a […]

UPDATED: JULY 06, 2023

California, Hawaii, and Massachusetts have banned using credit scores to determine insurance risk. If you live in those three states, you can get car insurance without a credit check! Unfortunately, if you don’t live in one of these states, your credit score will probably play a part in your monthly insurance premium.  Can I get […]

UPDATED: AUGUST 12, 2023

Not surprisingly, new drivers typically pay more for car insurance than seasoned drivers with more experience. Unfortunately, new drivers on the road have difficulty finding cheap car insurance since companies do not have any way to determine risk. There is no special insurance for new drivers; however, there are ways to locate and obtain better […]

UPDATED: JULY 06, 2023

The debate of what car transmission is better – automatic or manual? This article examines different transmission types and whether they affect your car insurance rates. Manual or automatic transmission: which is better? Cars with manual transmissions generally are faster than those with automatic transmissions. They are also less complex in equipment and less expensive […]

UPDATED: AUGUST 08, 2023