Types of Auto Insurance Coverage

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Understanding Full Coverage Car Insurance

Full coverage car insurance is a term that is commonly used when discussing auto insurance policies. But what exactly does it mean? In this article, we will explore the definition of full coverage car insurance, its components, benefits, the different types of coverage, and the various factors that can affect its rates. What Is Full...

Full coverage car insurance is a term that is commonly used ...

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Understanding FR-44 Car Insurance Coverage

FR-44 car insurance is a specific type of insurance coverage that is required for certain individuals who have been convicted of certain driving offenses. It is important to understand what FR-44 car insurance is, who needs it, the requirements for obtaining it, and the factors that can affect its cost. By familiarizing yourself with FR-44...

FR-44 car insurance is a specific type of insurance coverage...

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What is total loss car insurance coverage?

Total loss car insurance coverage is a type of auto insurance that provides financial protection in the event that your car is declared a total loss. It is designed to cover the cost of replacing or repairing your vehicle if it is damaged beyond repair, stolen, or involved in an accident that causes severe damage....

Total loss car insurance coverage is a type of auto insuranc...

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Common Types of Car Insurance Coverage: What coverage do you need?

If you are wondering how much car insurance do I need out of the most common types of car insurance coverage, the answer is it depends. You will have to carry at least your state-mandated coverage, but the rest of the coverages are optional. Because choosing the right car insurance coverage can be overwhelming, especially...

If you are wondering how much car insurance do I need out of...

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The Pros and Cons of Car Insurance (Usage-Based)

Are you looking for ways to lower your insurance rates? If you haven’t already heard, so-called “usage-based insurance” is one of the most talked-about (and controversial) technologies in the world of car insurance. Across many insurance companies, it’s becoming one of the most popular ways to get discounted rates. The pros and cons of usage-based...

Are you looking for ways to lower your insurance rates? If y...

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Auto Death Indemnity Coverage

You’ve already decided to purchase uninsured motorist, roadside assistance, rental car insurance, and personal injury protection or med pay coverage…so why not go for auto death indemnity too, right? The options for additional coverage on an auto insurance policy are seemingly endless.Read More: Types of Car Insurance Coverage Sometimes overwhelming. Where exactly do you draw...

You’ve already decided to purchase uninsured motorist, roa...

Pay Your Insurance Bills with a Credit Card to Earn Lots of Miles and PointsPost

Pay Your Insurance Bills with a Credit Card to Earn Lots of Miles and Points

Some car insurance companies will allow you to pay your insurance bills with a credit card, which can be a useful way to build up points or miles. Of course, it’s essential to make sure you use the right card, as some credit cards have little to no rewards, while others offer airline miles, cash...

Some car insurance companies will allow you to pay your insu...

Commercial Auto vs. Personal Auto vs. Business AutoPost

Commercial Auto vs. Personal Auto vs. Business Auto

If we haven’t lost you already, read on and we’ll try to provide a basic overview of the differences between three common types of auto insurance policies. It can seem like it’s overwhelming at first, with all the details you need to give to providers, about whether or not the car you’re getting protection for...

If we haven’t lost you already, read on and we’ll try to...

Liability vs. Medical Payments CoveragePost

Liability vs. Medical Payments Coverage

It’s that time again, where we look at a common insurance match-up. Today’s contenders: “Liability vs. medical payments coverage.” So what’s the difference between liability and medical payments coverage? Usually a substantial amount of money! Seriously though, TTAI gets a lot of questions about these two coverage types…specifically, why you would need medical payments coverage...

It’s that time again, where we look at a common insura...

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Broad Form Auto Insurance

Ever heard of a “broad form auto insurance” policy? This type of auto insurance is usually dirt cheap, as it only provides liability insurance (uninsured motorist coverage and personal injury protection can be added), and eliminates the variable of risk for the insurer by excluding every human being on the planet, other than the named...

Ever heard of a “broad form auto insurance” policy? This...

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Allstate Good Hands Roadside Assistance Review

The Allstate Insurance Company offers two basic roadside assistance programs: Roadside Advantage and Platinum Elite. The former is the basic plan and the latter offers more coverage at a higher price. Allstate roadside assistance is available in all states except California for most passenger vehicles and light trucks. The company also offers the Pay-Per-Use (formerly...

The Allstate Insurance Company offers two basic roadside ass...

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Allstate Motor Club Roadside Assistance Review

The Allstate Motor Club, affiliated with Allstate Insurance Company, is celebrating its 50th anniversary with a television based marketing push. Established in 1961, the Allstate Motor Club was the original national motor club offering roadside assistance to drivers. I know what you’re thinking…we’ve got it backwards, and mean to say AAA! Rest assured, we’ve done...

The Allstate Motor Club, affiliated with Allstate Insurance ...

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Garage Insurance: What You Need to Know

Garage owners – and we’re not talking about homeowners with a garage, rather auto repair shops and other auto-related services, including customization shops and service stations – are subject to unique liability exposures as a result of their daily business operations. While owning/operating this type of business requires commercial general liability coverage, there is also...

Garage owners – and we’re not talking about homeowners w...

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Hired Car Coverage and Non-Owned Auto Liability Insurance

As you might suspect, commercial insurance can be quite a bit more complicated than personal insurance. There tend to be more coverage options as there are many more liability and property damage risks associated with operating a commercial business. This often leads to business owners questioning charges on their policy for coverage they don’t understand....

As you might suspect, commercial insurance can be quite a bi...

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New Car Replacement Insurance vs. GAP Insurance

Insurance match-ups: “New car replacement insurance vs. GAP insurance.” First off, congratulations on the purchase of your new car. Now let’s make sure you have the right insurance to cover your brand-new vehicle. You’ve likely heard that a brand-new vehicle loses value the second it’s driven it off the lot. Well, the reality is the...

Insurance match-ups: “New car replacement insurance vs. GA...

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Pay-As-You-Go Car Insurance Approved in California

Traditional policies can seem like a lot to someone who doesn’t drive far or frequently. There are so many personal circumstances that could lead to someone overpaying for even the most basic coverage. As most of us are aware, insurance costs can take up much of our monthly budget. Now there’s some good news if...

Traditional policies can seem like a lot to someone who does...

What does liability car insurance cover?Post

What does liability car insurance cover?

It’s a good idea to fully understand the coverage on your car insurance policy, despite how complicated it may seem. This certainly includes knowing what your “liability-only car insurance coverage” does for you, considering the fact that it is mandatory in nearly every state in the union. Put simply, you should not operate a car without at least this...

It’s a good idea to fully understand the coverage on your ...

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Uninsured Motorist Property Damage

Automobile insurance can get pretty complicated. There are a lot of coverage types available to us as consumers.Read More: Types of Car Insurance Coverage One of the most misunderstood coverage types available is “uninsured motorist property damage,” also known as UMPD. What is uninsured motorist property damage? Uninsured motorist property damage is liability coverage designed...

Automobile insurance can get pretty complicated. There are a...

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Med Pay vs. Personal Injury Protection

Insurance shoppers in states where no-fault insurance options are available may be wondering if they need Med Pay or Personal Injury Protection (PIP). PIP is often better known, and it can be a valuable asset no matter where you live. It covers medical costs following an auto accident, and it can cover lost wages and...

Insurance shoppers in states where no-fault insurance option...

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Pay As You Go Car Insurance

“Pay-as-you-go car insurance” is a relatively new type of insurance coverage borne out of the ongoing struggle to lower the cost of insurance and offer a wider variety of insurance options. Pay-as-you-go car insurance is an insurance policy with premiums calculated based on how frequently you drive and how far you drive. Drivers who drive...

“Pay-as-you-go car insurance” is a relatively new type o...

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