Insurance 101

Look, we get it, there are a bunch of things you’d rather spend your money on than car insurance. And when you look at the amount you spend monthly or annually on your auto insurance policy, we bet you’ve considered forgoing it altogether. Some drivers figure that if they drive safely, they won’t ever get...
When it comes to making a big purchase, you shop around to make sure you’re getting the best deal right? Why then do so many of us make the mistake of just assuming car insurance rates are the same wherever we go?  If you were to sit down and make calls to several car insurance...
Every day, millions of people get behind the wheel of a car. And while it may seem like no big deal, driving a car is serious business. When we’re just 16 years old, we’re permitted to operate a powerful vehicle. Think of all the 16 year olds you know… scary right? Don’t get us wrong,...
We get it. When it comes to shopping for car insurance, there’s a whole lot to sift through. We’ve put together some of the most “need-to-know” auto-insurance terms below, and explained them so that they’re easier to understand.  First, there are five primary types of car insurance coverage. Liability Coverage State laws usually require this...
On Tuesday, we talked about discounts based on personal factors. Today, I want to delve deeper into vehicle discounts. These discounts could be for pre-installed features of your car, or they could be features you can add. Similarly, depending on what make, model, or year your car is, you might qualify for auto insurance discounts....
Auto insurance discounts are divided into three categories: driver discounts, vehicle discounts, and policy discounts. Driver discounts are based on factors such as your driving history, student status, professional organizations, age, and how you use your car. Vehicle discounts, on the other hand, are based on vehicle features that reduce your accident risks. Finally, policy...
Did you know the average passenger car produces more than 4 metric tons of carbon dioxide a year? Collectively, cars and trucks account for nearly one-fifth of all US emissions and are a major cause of global warming. The impact of global warming cannot be avoided nowadays with record high temperatures, rising seas, and severe...
If you thought car insurance was tricky, you can easily be tricked into buying optional insurance products pushed by the rental car companies. The dirty little secret about the insurance offered by rental car companies: most of the time you won’t need it if you rent a car in the US, have a car insurance...
Car insurance is expensive for everyone, but it is especially costly for people under the age of 25. But all is not lost — you The Good Student Discount One reason people under the age of 25 have such high premiums is they get into more accidents than older drivers. It’s just a fact. Insurance companies,...
Why Is Car Insurance Mandatory? With all the debate about health care insurance, people are starting to wonder; if health insurance isn’t mandatory why is auto insurance mandatory?  That is an excellent- and complicated- question. How did auto insurance become mandatory? Disagreements on compulsory car insurance are as old as cars themselves.  As long as...