73 articles
Page 2 of 7 of our guides about comparing quotes: plain-English explainers, worked examples and tips for comparing insurance coverage.
An insurance underwriter decides whether to insure you, on what terms and at what price. Here is what they look at, how long underwriting takes, and how to get through it faster.
How dental insurance works in Texas, why dental HMOs are so common here, what Texas Medicaid and CHIP cover, and how to judge which plan is best for you.
Alabama is one of a handful of states using pure contributory negligence. If you are one percent responsible, you recover nothing. That should change what you buy.
Atlanta premiums vary more between neighbourhoods than most drivers vary between insurers. What drives the metro rating, and the levers that still work inside it.
Adding a sixteen-year-old is the largest single premium event most households ever see. What drives it, what genuinely reduces it, and the mistake that costs the most.
Kansas requires personal injury protection, which means your own policy pays your medical bills first regardless of fault. That changes how you should set the limits.
Kentucky lets drivers reject no-fault in writing and keep an unrestricted right to sue. Almost nobody knows the choice exists, and it changes what a serious claim is worth.
Montana combines the country's highest animal collision odds with air ambulance distances and a high uninsured driver rate. All three argue for buying more than the minimum.
Pennsylvania sets some of the lowest liability minimums in the country and then asks every driver to choose between full and limited tort. Both facts decide what a claim pays.
Philadelphia is the most expensive place in Pennsylvania to insure a car, and the cheapest-looking policies get there by selling away your right to claim for pain and suffering.
Missouri makes uninsured motorist cover mandatory and still has one of the higher uninsured rates in the country. That combination should change what you buy, not just where you shop.
South Carolina lets a driver register a vehicle without insurance by paying a fee, and it makes uninsured motorist cover mandatory. Both facts should change what you buy.
