Understanding Car Insurance

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What does it mean when a policy is ‘fully paid up?’

Everyone is looking for some bit of certainty to grasp onto these days, and when you buy fully paid-up car insurance, you can be certain that you’ll have the coverage you need for your entire policy period. A car insurance policy that has been paid in full requires you to make one large payment when...

Everyone is looking for some bit of certainty to grasp onto ...

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How do I know if I chose the right coverages?

It might sound glib to say, “If you need to buy car insurance, choose the right coverage for your vehicle and your needs,” but buying more than what you need can put a serious strain on your bank account. When you learn how to choose the right car insurance coverage, you’ll be a step ahead...

It might sound glib to say, “If you need to buy car in...

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How does the insurance company determine my premium?

Everybody needs insurance, but not everyone understands how insurance companies calculate their premiums. Whether it’s life, home, health, or car insurance, companies use a standard formula to calculate how much you’ll pay for your coverage. That won’t help you feel any better if you’re receiving insurance rates that you think are too high. However, your...

Everybody needs insurance, but not everyone understands how ...

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What is a car insurance deductible and how does it work?

What is a deductible for car insurance, and how does a car insurance deductible work? In short, a car insurance deductible is relative to how you deal with insurance after a car accident. Your car insurance deductible is one cost that falls upon you, along with your normal rates. To borrow a term from health...

What is a deductible for car insurance, and how does a car i...

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Does full auto coverage cover everything?

Does full coverage car insurance cover everything? In short, no insurance policy will cover you 100% in all situations because you will have out-of-pocket costs in many scenarios. That said, you might need full coverage depending on your state and car insurance needs. To start, you need to know what full coverage car insurance means....

Does full coverage car insurance cover everything? In short,...

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How do insurance companies value cars?

After your car is damaged in an accident, your insurance company may either reimburse you to help repair it or pay you the car’s value. But, it may not be as much as you think. The amount your insurance company pays you depends on what they determine to be the value of your car. So,...

After your car is damaged in an accident, your insurance com...

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Supplemental Car Insurance

What is supplemental car insurance? Car insurance companies frequently issue funds and pay damages for accidents before all injuries or damages have been discovered. This doesn’t mean the injuries and damages don’t get covered. It just means the claims process can be spread out. Insured parties want their carrier to help as quickly as possible, and...

What is supplemental car insurance? Car insurance companies...

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Temporary Car Insurance

Since car insurance, in some form, is mandatory in all 50 states, and since coverage requirements vary from state to state, it’s important for car owners to know where they stand with their policy on an annual basis. If conditions change in such a way as to affect the coverage of your policy, one option is...

Since car insurance, in some form, is mandatory in all ...

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