What Is a Loss Payee on a Car Insurance Policy?
When reading through your car insurance policy, you’ll likely notice a number of unique terms that you may not have seen before. If you have a loan out on your car or are renting a car from someone...
View ArticleWhat is Broad Form Car Insurance Coverage?
Broad form auto insurance is a type of liability coverage only available in select states. It’s typically cheaper, but it can also be riskier. Broad form car insurance coverage provides coverage for...
View ArticleAll About SR-50 Coverage in Indiana
Certain drivers in Indiana need an SR-50 proof of insurance document. The SR-50 is a form specific to Indiana car insurance. The Indiana Bureau of Motor Vehicles (BMV) may require certain drivers to...
View ArticleWhat Is a Captive Agent?
One of the most popular ways to purchase car insurance is to go through an agent. There are two different types of insurance agents – captive agents and independent agents. When shopping for your...
View ArticleWhat Is a Loss of Use Claim? How Do You File One?
Filing car insurance claims can be very confusing, as there are so many different types of claims you can file. One type of car insurance claim you may not have heard of before is the loss of use...
View ArticleHow to Write a Demand Letter to Your Insurance Company
Your insurance company is supposed to protect you financially in the event of a car accident. Unfortunately, many insurance companies will look for opportunities to deny your claims. If you have been...
View ArticleWhat Does a Car Warranty Cover?
A new car comes with a warranty that covers certain repair costs. Most cars have a basic warranty, with an extended warranty available for a higher price. Some car warranties only cover manufacturers’...
View ArticleHow Can I Check the Status of My Auto Insurance Claim?
Keeping track of your car insurance claim is important. You can learn when you’ll receive payment. You can stay up-to-date on repairs or get alerts if more evidence is needed. Most insurance companies...
View ArticleWhat is a Car Insurance Endorsement?
A car insurance endorsement can change your coverage significantly. An insurance endorsement, also called a rider, is a change to your insurance policy that impacts your coverage. You might add an...
View ArticleWhat is Non-Renewal? How Do You Avoid It?
If your car insurance company no longer wants your business, then you may receive a non-renewal notice. With non-renewal, your car insurance company has decided not to renew your policy upon...
View ArticleWhat Is Property Damage Liability Coverage?
Most states require property damage liability coverage on all car insurance. Property damage liability (PDL) coverage is crucial, yet many drivers don’t fully understand it. Property damage liability...
View ArticleWhat Is Bodily Injury Liability Coverage?
Bodily injury liability (BIL) coverage is mandatory in most states. If you don’t have bodily injury liability coverage, then you cannot legally drive. Bodily injury liability coverage covers injuries...
View ArticleHow Can You Become a Defensive Driver? Top 10 Tips
The best way to save money on car insurance is to avoid an accident. The best way to avoid an accident is to be a defensive driver. Many people claim to be defensive drivers. However, some people are...
View ArticleWhat Is a Car Insurance Binder?
When shopping for a new car insurance policy, you may hear a lot of industry terminology that you aren’t familiar with. One common term to be aware of is the concept of a car insurance binder. When you...
View ArticleWhat is the Distant Student Discount?
Many insurers offer a distant student discount. If you are a college student living away from home, then you could qualify for this discount. You might qualify for the discount if you live more than...
View ArticleAll About the Good Student Discount for Car Insurance
Most major insurance companies offer good student discounts. If you have a B average or higher, then you could save hundreds per year on car insurance. Good student discounts vary between companies....
View ArticleDefensive Driving Course Discounts Explained
Drivers who take defensive driving courses are statistically safer to insure. If you have taken a defensive driving course, then insurance companies seek your business. Drivers who invest in defensive...
View ArticleHow to Remove Someone From Your Car Insurance Policy
It may be in your best interest to remove a driver from your insurance policy. By removing a high-risk driver from your policy, you could save thousands per year on car insurance. Or, you might remove...
View ArticleCar Insurance for Wheelchair Accessible Vehicles
Getting car insurance for a wheelchair accessible vehicle may seem complicated – but it’s easier than you think. Thousands of Americans have adequate coverage for their wheelchair accessible vehicles....
View ArticleCar Insurance for Foreigners – Cheap Insurance for Non-US Citizens
As a foreigner in the United States, you may need to buy car insurance. Non-US citizens might buy car insurance to protect a rental car, for example, or to cover their liability when driving someone’s...
View ArticleWhat Are Combined Single Limits (CSL)?
A combined single limit insurance policy, commonly referred to with the acronym of CSL, is a form of insurance coverage in which there is a single dollar limit applicable to any combination of property...
View ArticleWhat is Standard Coverage for Auto Insurance?
Standard auto insurance coverage is the basic insurance required to legally operate an automobile. This level of insurance is applicable to drivers who have an average risk profile and do not want to...
View ArticleGetting Insurance for First-Time Drivers Over 25
As a driver over 25, you typically pay cheaper insurance rates than younger drivers. However, if you are a first-time driver over 25, then rules can be different. New drivers at any age pay higher...
View ArticleWhat Is Permissive Use Auto Insurance Coverage?
Most people are unaware of the fact that auto insurance is not applicable to every type of traffic accident. There are some accidents that your auto insurance policy just won’t cover. For example, if...
View ArticleTips for Buying Car Insurance for the First Time
Buying car insurance for the first time can seem intimidating. Fortunately, with some preparation, it’s easy to buy car insurance for the first time. As a new car insurance customer, you may pay higher...
View ArticleWhat’s the Difference Between a Car’s Registration and Title?
When purchasing or renting a vehicle, there are a number of documents you’ll need to fill out and keep track of. Two of the most important documents are the vehicle’s title and registration. Not only...
View ArticleWhat is a Collision Damage Waiver?
A collision damage waiver (CDW) plays an important role in rental car insurance. However, it’s easy to get confused with collision damage waivers. A collision damage waiver is an additional level of...
View ArticleMinimum Coverage Auto Insurance Explained
Many budget-minded Americans looking to save some money often opt to purchase only the minimum required auto insurance coverage. Minimum coverage auto insurance refers to a policy that meets the...
View ArticleDoes Car Insurance Cover a Hit-and-Run?
Hit-and-runs are devastating. To make things worse, car insurance may not always cover a hit-and-run accident. A hit-and-run accident is only covered by car insurance if you have collision coverage or...
View ArticleWhat Does Non-Owner Car Insurance Cover?
Non-owner car insurance is a unique type of coverage for drivers without a vehicle. If you frequently drive someone else’s vehicle and want to ensure adequate coverage, then you might buy non-owner car...
View ArticleWho is the Primary Driver of an Auto Insurance Policy?
When dealing with car insurance, the primary driver is important. In fact, in some insurance claims, the insurance company can dispute the primary driver of your policy, leading them to deny your...
View ArticleHow to Get Same Day Auto Insurance
There are some situations where you need same day car insurance. When buying a new vehicle or renting a car, for example, you may need to obtain car insurance the same day. Fortunately, you can find...
View ArticleHow Long Does a DUI Stay on Your Driving Record?
It’s no secret that DUIs raise the cost of car insurance. But how long does a DUI stay on your driving record? Depending on your state, a DUI can remain on your driving record for 3 years, 10 years, or...
View ArticleHow to Get a Copy of Your Driving Record
Your driving record impacts your life in multiple ways. Many drivers find it useful to get a copy of their driving record. Getting a copy of your driving record is easy, and it explains important...
View ArticleWhat Is a Named Insured Driver?
When dealing with car insurance, you will encounter terms like “named insured driver.” The named insured driver is typically the owner of the insurance policy. It’s the primary driver of the vehicle...
View ArticleWhat Is a Clean Title?
When shopping for used cars, you’ll find most vehicles advertised with a “clean title.” A clean title means the car has never been deemed a total loss. Most cars have clean titles. The term is slightly...
View ArticleWhat Is an Independent Agent?
When shopping for car insurance, you’ll find people who call themselves independent gents. An independent agent is an insurance agent that sells policies from multiple companies. The agent reviews your...
View ArticleWhat Is “Third-Party” Auto Insurance?
Third-party auto insurance is a type of car insurance that protects other people from damage you cause. You might buy car insurance to protect your own vehicle. Car insurance covers your own vehicle in...
View ArticleGetting Insurance for Financed Vehicles
When financing a car, you need different car insurance. The lender partially owns your vehicle, and that means they can require you to carry a specific type of car insurance. Most lenders require you...
View ArticleCustom Parts and Equipment Coverage Explained
Your car insurance policy might mention custom parts and equipment coverage. Custom parts and equipment coverage, also known as CVE, covers unique parts and accessories added to your vehicle. CPE is an...
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