36 articles
Page 2 of 3: more car insurance guides from Best Insurance Guide on costs, coverage, claims and comparing policies.
A non-owner policy covers your liability when you drive vehicles you do not own. Who genuinely needs one, what it refuses to cover, and why a gap in cover is expensive.
Arkansas 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.
Oklahoma 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.
Georgia 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.
If 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.
Comprehensive 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.
Connecticut 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.
Insurance 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.
Theft 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.
Florida makes you carry PIP and property damage and asks for no bodily injury liability at all. That single gap explains most of what goes wrong in a Florida claim.
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.
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.
