78 articles
Page 3 of 7 of our guides about comparing quotes: plain-English explainers, worked examples and tips for comparing insurance coverage.
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.
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.
Commercial auto is priced on what the vehicle does rather than what it is. Radius, cargo, driver records and limits explain nearly all of the spread between quotes.
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.
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.
