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Car Insurance
- Buy uninsured motorist coverage to protect yourself against uninsured or under insured drivers.
- If you have a car loan and don't carry insurance, the lender may buy insurance for you at five or six times what you would normally pay.
- Collision coverage takes care of damage to your car from an accident that is all or partially your fault. Normally you'll be responsible for a deductible of $250 or $500, and your insurer pays the rest.
- Comprehensive coverage takes care of non collision calamities, such as damage from a break-in, theft or windshield cracking.
- Liability is the most important component of auto insurance and the one to which people pay the least amount of attention. It pays for damage to property and physical injury from an accident that is your fault.
Which tickets most impact auto insurance rates?
Ever wonder exactly how much your auto insurance will go up after a speeding ticket? How about after 2 or 3 tickets? I have new numbers to share with you. Local governments have gone crazy with ticketing for everything because they're starved for revenue. You may recall that TomTom was ...
Education and occupation used to set insurance premiums
Some auto insurers are now giving level of education and occupation greater weight in setting insurance premiums. That makes shopping multiple insurers at the time of renewal more important than ever. A new study from the Consumer Federation of America (CFA) finds many auto insurers are setting rates not based ...
When should you switch insurers?
A huge percent of people never shop their auto and home insurance. That's not necessarily a good idea considering that modern American business punishes loyalty, rather than rewarding it. The Wall Street Journal reports that roughly 1 in 3 people never shop their auto insurance. Almost half never their shop ...
Car rental gotcha fees becoming harder to avoid
Many people only rent cars about twice a year, once during a summer vacation and once during the Christmas holidays. That leaves a lot of unsuspecting motorists open to common rip-off fees that the car-rental agencies like to push. Before you take your trip, be sure to find out if ...
Pay as you drive insurance can save you money
There's a way to save on auto insurance that's gaining popularity, but you'll have to trade your privacy for lower premiums. Under what's generally referred to as the 'pay as you drive' model, auto insurers track your every move using small monitoring devices that can plug into your car's diagnostic ...
Hidden factors that drive up auto insurance rates
Auto insurers are using criteria completely unrelated to your driving history to set your premiums. Find out what factors might be driving up your insurance rates.
Which insurance to buy, which to skip
You can get insurance on almost anything -- computers, phones, trips, your identity, your credit, your pets, and even home warranties! But should you? I saw a Marketwatch story about which policies you need to have and which you can skip. The "skips" include extended warranties, home warranties, mobile phone ...
Which kinds of insurance to buy (& NOT buy!)
Insurance pitches are everywhere, but not all insurance is necessary. Clark names five kinds of policies to skip and four kinds you've got to have to protect yourself and your family.
Renting out your home or car comes with insurance hassles
Renting out your home or car for extra cash could leave you in a lot of financial hot water with your insurer. I've talked in the past about sites like VRBO.com, HomeAway.com and Airbnb.com as way to get a deal if you're looking for a rental, but also as a ...
Auto insurance market share war could drive down rates
A brewing market share war in the auto insurance industry could drive down the cost of insurance at a time when rates were supposed to be heading higher around the country. Allstate has been a troubled enterprise for a while with much dissension in the ranks. They use what's called ...
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