Car Insurance Basics

Learn more about the basics of auto insurance, including various coverage types and what exactly each option covers.


What’s Full-Coverage Car Insurance?
What’s Full-Coverage Car Insurance?

Car insurance protects you from financial liability if you get into a car accident. Full-coverage car insurance isn’t a type of policy itself, but it means you have all of the basic coverages available, protecting you in most situations. Read on to learn if full-coverage car insurance is right for you. What Does Full-Coverage Car […]

UPDATED: AUGUST 03, 2022 | 1 MIN READ

What Is Personal Injury Protection Coverage?
What Is Personal Injury Protection Coverage?

Personal injury protection auto insurance is known as “no-fault insurance.” It pays for your medical bills and any rehabilitative costs that you or your passengers may have suffered in a car accident. PIP auto insurance can also extend to when you’re a passenger injured in someone else’s car. PIP car insurance is different from bodily […]

UPDATED: AUGUST 03, 2022 | 2 MIN READ

How Much Liability Car Insurance Do You Need?
How Much Liability Car Insurance Do You Need?

Liability is a fancy-sounding word, but it primarily means “responsibility.” There are different types of liability insurance for vehicle owners. Let’s dive into what liability car insurance is, what essential aspects it covers, and what you should consider when obtaining your liability car insurance. What Does Liability Car Insurance Cover? Liability car insurance coverage can […]

UPDATED: AUGUST 03, 2022 | 1 MIN READ

What Is Liability-Only Car Insurance?
What Is Liability-Only Car Insurance?

Car insurance protects you against having to pay out for damage and injuries relating to an accident. Most states mandate that you have a minimum level of car insurance by law. This ensures that people are covered should they injure another person or damage their vehicle. Learn more about liability-only car insurance to determine what type […]

UPDATED: AUGUST 03, 2022 | 3 MIN READ

Actual Cash Value vs. Replacement Cost

The next time you examine the declarations page of an auto insurance policy, be sure to read the fine print to learn how you would be reimbursed in the future for property loss.  Generally, on the declarations page of an insurance policy, it will explain whether your specific policy covers the Replacement Cost of your […]

UPDATED: AUGUST 02, 2022 | 3 MIN READ

Common Car Insurance Risk Factors That Could Raise Your Premiums

Owning and maintaining a car is difficult as it is without having to worry about rising insurance premiums. 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 and understand that not all of them are under […]

UPDATED: JULY 25, 2022 | 1 MIN READ

Switching Car Insurance Policies: 6 Signs It’s Time

There are numerous reasons to consider switching car insurance policies. Whatever your reason, switching vehicle insurance policies could save you hundreds annually.  Is It The Right Time To Switch Auto Insurance Policies? Here are the most common reasons for switching car insurance policies: 1 – Your premium has increased for no reason An increase in […]

UPDATED: JULY 25, 2022 | 3 MIN READ

Guide on How to Get Car Insurance with an SR-22 Filing

Unless you run into legal trouble, you will likely never hear about an SR-22 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 SR-22 […]

UPDATED: AUGUST 03, 2022 | 3 MIN READ

How to Get Auto Insurance with a Previous Claim

Prior claims will undoubtedly affect the cost of your auto insurance premium, but it doesn’t have to be the end of the world.  To think that you will altogether avoid a monthly premium cost hike after filing a claim is unrealistic. Still, a correct way to approach the situation can benefit you and ease the […]

UPDATED: JULY 25, 2022 | 2 MIN READ

What is Non-Standard Auto Insurance, and How Do I Get It?

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 […]

UPDATED: JULY 25, 2022 | 1 MIN READ