61 articles
Page 3 of 6 of our guides about saving money: plain-English explainers, worked examples and tips for comparing insurance coverage.
Coinsurance is the share of a bill you pay after your deductible. Here is what 0%, 20% and 100% coinsurance actually mean, with worked examples, and the very different coinsurance clause in property insurance.
COBRA premiums are a qualifying medical expense, which sounds better than it is. Three routes make them genuinely deductible and most households qualify for none of them.
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.
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.
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.
Most 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.
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.
