Insurance Basics

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What is a Total Loss Accident?

When a driver has a car accident, his insurance company must assess the damage and determine how they want to settle a claim. Being that they want to spend as little money as possible, they will go with the cheapest option available. If the car in question would be cheaper to replace than repair, you...

When a driver has a car accident, his insurance company must...

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Who are the top 10 auto insurance companies by market share? (2010)

Every year the Insurance Information Institute publishes market share of insurance companies across a number of verticals, including private passenger auto, commercial auto insurance, homeowners insurance, and more. Companies like Allstate, Geico, State Farm, and Progressive are always near the top, but sometimes there are changes in market share due to consolidation or significant acquisitions...

Every year the Insurance Information Institute publishes mar...

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Are cheap auto insurance quotes legitimate?

Affordable auto insurance is a necessity for drivers. Insurance companies draw new customers from the marketplace by stating that their rates are lower than the rates offered by other companies. Marketing claims will win some customers, but the savvy insurance shopper will remember that purchasing adequate insurance coverage is the goal. Cheap insurance is not...

Affordable auto insurance is a necessity for drivers. Insura...

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Where can I find very cheap auto insurance?

You can find very cheap auto insurance by shopping around and comparing prices. While there are many things you can do to bring your car insurance rates down, the biggest thing is to compare as many quotes as possible. Each insurer has differing underwriting guidelines, so you will find that rates vary greatly from company...

You can find very cheap auto insurance by shopping around an...

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What is a preferred risk driver?

Car insurance is such a competitive industry and many companies offering coverage are continually looking for new ways to attract customers. One of the more recent developments is that of the preferred risk driver. Preferred risk drivers tend to get better rates and are eligible for more auto insurance discounts. Suffice it to say, if...

Car insurance is such a competitive industry and many compan...

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What is a car insurance deductible?

A car insurance deductible is the expense the insured is responsible for in the event of a car theft or an accident. Once the damages to the car are determined, the deductible is subtracted from the total. What remains is what the insurance company will pay. The amount of your car insurance deductible will depend...

A car insurance deductible is the expense the insured is res...

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Why should I take a Defensive Driving Class?

Consumers spend hours looking for auto insurance discounts and other ways to save money on auto insurance online but the thought of attending driving school often slips their mind. After all, aren’t you too old to go back to driving school and who wants to sit in class learning what they already know? The reality...

Consumers spend hours looking for auto insurance discounts a...

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How much is car insurance per month?

The cost of car insurance can depend on many variables and how much car insurance is per month can be a difficult question to answer. There are many estimates or national average rates posted but ultimately the best way to determine how much car insurance is per month will be to compare car insurance quotes....

The cost of car insurance can depend on many variables and h...

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Common Questions

Buying auto insurance means more than just entering a few details and your credit card information online. You need to understand coverage, compare car insurance companies and be able to equally compare potential policies before accepting any offer. The best place to start is by learning about auto insurance and reading popular questions asked by...

Buying auto insurance means more than just entering a few de...

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Young Drivers

Young drivers enjoy an untarnished view of the world, and when the day comes to get a driver’s license, almost nothing compares to this feeling of independence. However, when it’s time to start shopping for car insurance. the first reality check of financial responsibility sets in. Car insurance for young drivers is not cheap. Even...

Young drivers enjoy an untarnished view of the world, and wh...

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