Good Driver Insurance: What Being One Is Actually Worth
A clean record is the largest discount in car insurance and it is not one discount. It is five separate mechanisms, and most drivers are only receiving two of them.
Sep 9, 202613 min read
Author
Sarah Mitchell
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 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.*
Articles by Sarah Mitchell
How Much Is Homeowners Insurance on a $400,000 House?
The honest answer is that the purchase price is close to irrelevant. What decides the premium is the rebuild cost, the roof, the state and the deductible structure.
Sep 9, 202613 min read
Your Homeowners Insurance Deductible: The Number You Probably Have Wrong
Most policies now carry two or three deductibles, and the percentage one is the one nobody has read. How they work, what raising them actually saves, and where the line sits.
Sep 9, 202613 min read
Homeowners Insurance in Georgia: Two States in One Rating Map
A house in Savannah and a house in Marietta are priced by completely different risks. Coastal wind deductibles, north Georgia hail, and the lightning exposure nobody mentions.
Sep 9, 202613 min read
Homeowners Insurance in New Jersey: The Wind and Water Line
New Jersey premiums are moderate for the Northeast and the coverage gap is severe. Most of the state's flood exposure sits outside the mapped high-risk zones, where nobody is required to buy.
Sep 9, 202613 min read
Homeowners Insurance in Ohio: Cheap Premiums, Expensive Water
Ohio is one of the more affordable states to insure a house in. The claims that actually cost Ohio homeowners money are hail and sewer backup, and one of those is excluded by default.
Sep 9, 202613 min read
How Long Does It Take to Get Car Insurance? Minutes, If You Are Ready
Coverage can start the same day and frequently within the hour. What actually causes delay is missing information, an unusual risk, or a verification step nobody warned you about.
Sep 9, 202613 min read
How Much Does Car Insurance Go Up After an Accident?
An at-fault claim commonly raises a premium by a quarter to a half and stays on the rating for three to five years. What decides where in that range you land.
Sep 9, 202613 min read
Non-Owner SR-22 Insurance: What It Is and How to Buy It Online
An SR-22 is not insurance. It is a filing your insurer makes for you, and a non-owner policy is how you get one without a car. Here is how the pieces fit.
Sep 9, 202613 min read
Renters Insurance in Colorado: Hail, Wildfire and What Is Not Covered
Colorado renters face the country's worst hail belt and a wildfire risk that reached the suburbs. What a standard policy covers here, and the gaps to close.
Sep 9, 202612 min read
Renters Insurance in Indiana: Cheap Cover, Thin Tenant Protections
Indiana renters pay some of the lowest premiums in the country and have some of the weakest statutory remedies against a landlord. That combination changes what you should buy.
Sep 9, 202612 min read
What Is Towing Insurance? Two Very Different Things Share the Name
Towing and labour cover on a personal policy is a few dollars a year. Towing insurance for a tow truck business is a commercial package. They are not related.
Sep 9, 202613 min read