Auto insurance

The average cost of auto insurance in the United States is $1,502 per year. In Texas, the average annual premium is $1,427.

The cost fluctuates from state to state and city to city. Local factors like traffic and crime rates can affect the final price.

Buying car insurance feels like learning a new language. Most people don’t know what coverage they have on their vehicles. They skip the learning curve and choose “basic” auto insurance to save time and money.

Basic car insurance is often defined as what your state forces you to buy. But, a state minimum may not be enough protection.

Drivers who understand auto insurance tend to pay less. Keep reading to learn 8 important auto insurance terms before you buy your next policy. [Read more…]

13% of all American motorists were uninsured as of 2015.

If you get hit by someone who does not have insurance, you could end up paying for expenses like medical bills, car damages, and car rental yourself. You may need to sue the driver. If, however, they don’t have insurance, the chances are high that they don’t have much in terms of assets either.

Some states, such as New York, North Carolina, and Vermont, require drivers to carry uninsured motorist coverage. This protects you against damages if you get hit by an uninsured driver. It also covers hit-and-run accidents.

Underinsured driver coverage is slightly different. It kicks in when the driver who hit you has liability coverage, but it is too low to cover your damages. This may happen in states that require low liability limits. [Read more…]

Car accidents are terrifying. When you get into a car accident your adrenaline is heightened and your mind begins to race all over the place. Even if it’s a simple fender bender, it’s hard to remember the details when you are shaken up. For these reasons and more, it’s a good idea to have a plan in the event you get in a car accident.

Putting together a car accident procedure guide before you’re in an accident is smart. This way, if you ever do find yourself in this scary situation, then you’ll know exactly what to do.

Keep reading to find out recommended actions to take after being involved in a car accident. [Read more…]

Have you ever wondered to yourself, How much car insurance do I need? If you have, you’ve come to the right place.

First thing’s first, you should make sure that you’re covered up to the state’s minimum coverage requirements – every state has one, so make sure to check that out.

But what about beyond that? Do you need more than the minimum required car insurance? Is it really worth the extra money?

Read on so that we can help you decide. [Read more…]