Auto Insurance

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How are car insurance rates determined?

Auto insurance companies don’t see us the way we see ourselves. They see us as a calculated “risk” with a mathematical chance of being profitable for them. Think of it this way. Imagine if your friends and family all asked if you would give them a loan. Now assuming you have a limited amount of...

Auto insurance companies don’t see us the way we see ourse...

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Car Insurance Liability Limits

Getting caught driving without insurance can cost you a lot in the way of fines and higher insurance premiums…not to mention you’ll need to get an SR22 as part of your punishment. In case you haven’t heard, liability car insurance coverage is mandatory in most states, and you should not operate a car without at...

Getting caught driving without insurance can cost you a lot ...

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What is physical damage coverage?

Here’s what you need to know… Liability auto insurance does not cover physical damage to your car, just to the car you hit Collision coverage is for when your car is damaged in an accident Comprehensive coverage handles damage to your car not from an accident, like theft or a fire When purchasing auto insurance,...

Here’s what you need to know… Liability auto ins...

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Why Did My Car Insurance Rate Go Up? No Accident or Ticket

The Truth in a Nutshell: Most car insurance companies will lower your rates if you have no tickets for three years Car insurance rates can go up for many reasons, like a change in address or if you buy a new car You can lower rates by increasing your deductible, lowering your coverage, or shopping...

The Truth in a Nutshell: Most car insurance companies will l...

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