Author
Managing Editor
Sarah Mitchell is the Managing Editor of Best Insurance Guide. She leads the editorial team that researches, writes and fact-checks our guides on home, auto and renters insurance, working with our contributors and reviewer network to verify claims against regulator and industry sources before publication. *Editorial note: contributor profiles reflect current editorial roles. License numbers and verifiable professional credentials are published here as contributors provide them. Our guides are educational and do not constitute personalized financial advice — always confirm details with a licensed agent or your state insurance department before buying.*
car insuranceArkansas insurers must offer personal injury protection and uninsured motorist cover, and most drivers sign them away on a form they never read. That is where the cheap quote comes from.
car insuranceOklahoma pairs one of the country's highest uninsured driver rates with automated enforcement and severe hail. All three should change what you buy, not just where you shop.
car insuranceGeorgia has one of the widest urban-to-rural premium spreads in the country and permits credit-based scoring. Both matter more than which insurer you pick.
car insuranceIf an uninsured driver hits you, a collision deductible waiver removes your deductible entirely. It costs a few dollars a year and most drivers have never been offered it.
car insuranceComprehensive answers hail, theft, deer, flood and glass, which are the claims most drivers actually make. Raising its deductible saves the least and costs the most.
car insuranceConnecticut offers an underinsured motorist option that most drivers have never heard of and that changes what a serious claim actually pays. Here is how it works.
home insuranceMost people weigh renters insurance against what their belongings are worth. That is the wrong calculation, and it is why the honest answer is almost always yes.
car insuranceInsurance pays for damage from a sudden accidental event. It never pays for a worn clutch, a failed alternator or a service. The line between the two decides every claim.
car insuranceTheft is a comprehensive claim, it settles at the car's value rather than what you owe, and the belongings inside it are somebody else's policy entirely.
home insuranceA smashed window is your auto policy. The laptop that was on the seat is your renters policy. One break-in, two claims, two deductibles, and often neither is worth filing.
home insuranceInfestations are excluded from every standard renters policy as a maintenance issue. Who is actually responsible, what the lease says, and what you can do.
home insuranceLoss of use pays the additional cost of living elsewhere after a covered loss. What counts, what does not, and the parts tenants routinely forget to claim.