Auto Insurance
Everything you need to know about insuring your vehicle, from liability to comprehensive coverage.
What is a Diminished Value Claim? The Secret to Recovering Your Car's Lost Value
Your car was repaired after an accident, but it's worth less now because it has a "wrecked" history. You can get paid for that lost value. Here is the step-by-step guide to filing a Diminished Value claim.
Marcus Chen
The "Invisible" Factors Raising Your Car Insurance Premium in 2026
It's not just your driving record. We explore the hidden drivers of premium inflation, from the sensors in your bumper to the credit score in your file.
Julian Vance
Dongle vs. App: The Truth About Usage-Based Insurance Devices
To get a discount, you have to let them track you. But how? We compare the two main methods of data collection—the OBD-II "dongle" and the smartphone app—to see which is better for your car and your privacy.
Julian Vance
What is an SR-22? Navigating the World of High-Risk Auto Insurance
It's not actually insurance, but if you need one, you can't drive without it. We explain what an SR-22 filing is, why you might need it, and how to get your license back on track.
Marcus Chen
Surviving the Surge: A Parent's Guide to Insuring Teen Drivers
Adding a teen driver to your policy is a rite of passage that comes with a massive price tag. We explain why rates skyrocket and provide a strategic checklist to minimize the financial impact.
Julian Vance
The Depreciation Trap: Is Gap Insurance Worth It for New Cars?
As soon as you drive a new car off the lot, it loses value. If you total it a week later, you could still owe the bank thousands. Gap insurance is the only way to prevent this financial nightmare.
Adams Kotel
The Hidden Risk of the Gig Economy: Do You Need Rideshare Insurance?
Driving for Uber or Lyft creates a dangerous coverage gap in your personal auto policy. We explain "Period 1" risk and why relying on the app's insurance could cost you everything.
Marcus Chen
Agreed Value vs. Stated Value: The Definitive Guide to Insuring Classic Cars
Insuring a classic car on a standard auto policy is a recipe for disaster. Learn the critical difference between Agreed Value and Stated Value to protect your investment.
Marcus Chen
The Real Cost of Insuring an Electric Vehicle in 2026: A Comprehensive Guide
EVs are the future, but their insurance premiums are rising. We analyze the complex factors driving up costs in 2026—from battery repairability to specialized labor—and offer a detailed roadmap to finding affordable coverage.
Adams Kotel
The Rise of Telematics: Is Usage-Based Car Insurance Right for You?
Giving your insurance company access to your driving data can lead to big savings, but it's not for everyone. This guide breaks down the pros and cons of telematics and Usage-Based Insurance (UBI).
Adams Kotel
Beyond the Basics: An Underwriter's View on What *Really* Impacts Your Auto Insurance Price
You know your driving record and car model affect your insurance, but what about the hidden factors? This deep dive explores the underwriting science behind your premium, from telematics data to the subtle impact of life events.
Adams Kotel
Collision vs. Comprehensive Auto Insurance: Decoding Your Physical Damage Coverage
They both fix your car, but they cover completely different types of damage. This guide breaks down the crucial difference between Collision and Comprehensive coverage and helps you decide if you need them.
Adams Kotel
Understanding Liability Car Insurance: The Ultimate Guide
Liability coverage is the foundation of any auto policy, but what does it really cover? This guide breaks down Bodily Injury and Property Damage and explains why state minimums are not enough.
Adams Kotel
A Guide to Common Car Insurance Discounts
Car insurance is a necessity, but a high premium isn't. This guide explores the most common discounts that can significantly lower your auto insurance costs.
Adams Kotel
The Benefits of Bundling Your Insurance Policies
Combining your home and auto insurance with one company can save you significant money and simplify your financial life. We explore the pros, cons, and strategy of bundling.
Adams Kotel
The Surprising Link: How Your Credit Score Affects Car Insurance Rates
It might not seem related, but your credit history can have a significant impact on what you pay for car insurance. We explain the "why" and "how" behind this controversial practice.
Adams Kotel
What Is Uninsured Motorist Coverage and Why Do You Need It?
It's a scary thought, but many drivers are on the road without insurance. This coverage protects you from them, and it's more important than you might think.
Adams Kotel
A Step-by-Step Guide to Filing a Car Insurance Claim
Getting into a car accident is stressful enough. Knowing how to file a claim efficiently can make the aftermath much smoother, ensuring you get the compensation you deserve.
Adams Kotel
5 Key Factors That Affect Your Car Insurance Premium
Ever wondered why your car insurance rates are what they are? Several components play a role in determining your premium, and understanding them is the first step toward significant savings.
Adams Kotel