Car Insurance Basics

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


FR44 Insurance: What Is It and Do I Need It?
FR44 Insurance: What Is It and Do I Need It?

In most states, if you’re a high-risk driver, you must have SR22 insurance attached to your car insurance policy. However, if you live in either Virginia or Florida and have a DUI/DWI traffic violation, you must carry an FR44 certificate. Studies have shown that motorists who drive drunk will likely drive drunk again. What Exactly […]

UPDATED: NOVEMBER 11, 2022 | 2 MIN READ

Can You Buy a Car with a Credit Card?
Can You Buy a Car with a Credit Card?

Buying a car involves looking at many elements. How you’re going to pay for it, is one of the most important things. Most dealerships offer their in-house car finance packages, however, you may want to purchase it on your credit card. Having a large enough credit card limit is required to do this along with […]

UPDATED: NOVEMBER 02, 2022 | 2 MIN READ

Can I Insure a Car Not in My Name?
Can I Insure a Car Not in My Name?

If you don’t own the vehicle or don’t have the vehicle registration with the DMV, you can’t purchase a car insurance policy on the vehicle in most circumstances. However, there are some exceptions to the rule of insuring a car that is not in your name. When Can You Insure a Vehicle You Don’t Own? […]

UPDATED: NOVEMBER 04, 2022 | 2 MIN READ

12-Month Car Insurance Policies: Yay Or Nay?
12-Month Car Insurance Policies: Yay Or Nay?

No matter what car insurance coverage you want, from comprehensive coverage to property damage only, you may wonder if you should look for 12-month car insurance policies or if a six-month one is better. What Are the Pros and Cons Of 12-Month Car Insurance Policies? Choosing a 12-month car insurance policy is not for everyone. […]

UPDATED: SEPTEMBER 13, 2022 | 2 MIN READ

What’s a Car Insurance Deductible?
What’s a Car Insurance Deductible?

A deductible is the amount of money a person has to pay before their insurance kicks in. A car insurance deductible is the amount of money you must pay before your insurer starts paying for your car repairs. How Do Car Insurance Deductibles Work? When you purchase your auto insurance, you choose the deductible you’d […]

UPDATED: AUGUST 09, 2022 | 1 MIN READ

Full Coverage Auto Insurance for Cheap
Full Coverage Auto Insurance for Cheap

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: NOVEMBER 04, 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: OCTOBER 25, 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: NOVEMBER 23, 2022 | 1 MIN READ

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

Car insurance protects you against having to pay 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 of […]

UPDATED: OCTOBER 25, 2022 | 3 MIN READ

Actual Cash Value vs. Replacement Cost
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 10, 2022 | 2 MIN READ