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Author: Scott Boren

What is GAP Insurance and Do I need It?

Written by Scott Boren on . Posted in Car Insurance 101.

What is GAP Insurance and How Does it Work? The moment you drive a new car off the lot, it starts losing value. Your loan balance, however, doesn’t drop nearly as fast. That growing difference between what your car is worth and what you still owe is called the gap — and if your car is ever totaled or stolen, it becomes your problem to solve. Unless you have GAP insurance. GAP...

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What Is Comprehensive Insurance Coverage? (And What It Actually Covers)

Written by Scott Boren on . Posted in Car Insurance 101.

What Is Comprehensive Insurance Coverage? (And What It Actually Covers) The name is the problem. “Comprehensive” sounds like it covers everything. It doesn’t. And that gap between expectation and reality is exactly where people get surprised — usually after something goes wrong. Here’s what comprehensive coverage actually is, what it protects, and how to decide if you...

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How Does Car Insurance Work

How Does Car Insurance Work? The Guide You Never Knew You Needed

Written by Scott Boren on . Posted in Car Insurance 101.

How Does Car Insurance Work? The Guide You Never Knew You Needed So your car needs insurance. Congratulations, you’ve just been initiated into one of America’s most common financial necessities. But fear not, fellow road warrior – understanding how car insurance works doesn’t require an advanced degree in actuarial science (though insurers might prefer you believe...

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Collision Coverage: What It Is and When You Actually Need It

Written by Scott Boren on . Posted in Car Insurance 101.

Collision Coverage: What It Is and When You Actually Need It Auto insurance has a language problem. Agents throw around terms like “full coverage” and “comp and collision” like everyone passed the same licensing exam. Most people smile, sign the application, and move on — hoping they never have to figure out what any of it actually means. Here’s the thing:...

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Auto Liability Insurance: What It Covers, How Limits Work, and Why You Need It

Written by Scott Boren on . Posted in Car Insurance 101.

Auto Liability Insurance: What It Covers, How Limits Work, and How Much You Really Need Here’s a weird thing about car insurance: most people think of it as protection for their car. That makes sense on the surface. Something happens to your car, and insurance fixes it—neat little transaction. But the coverage that can actually wreck your financial life if you get it wrong? It has...

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How Do Auto Insurance Deductibles Work?

Written by Scott Boren on . Posted in Car Insurance 101.

How Do Auto Insurance Deductibles Work? For many of us, we only marginally understand our insurance policy deductibles. So, it may be a good time to talk about auto insurance deductibles and how they work. Frankly, it’s a pretty common question, but luckily an easy question to answer. An auto insurance deductible is the portion of a claim you pay “out of pocket.” Or, insurance...

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What Impacts Your Car Insurance Price?

Written by Scott Boren on . Posted in Car Insurance 101.

What Impacts Your Car Insurance Price? If you get a quote from an insurance agent or online, you are always asked very specific questions. These questions are used to gather the variables that underwrite and price your car insurance. Now, there are many misconceptions about car insurance, and a lot of that has to do with how it’s priced. So, if you’ve ever wondered what actually...

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What is the Average Cost to Raise a Child?

Written by Scott Boren on . Posted in Personal Finance.

What is the Averge Cost to Raise a Child? When you consider having children and starting your family, you’ll likely think about many things, most obvious among those would be timing, your monthly budget and concerns over the newborn’s health. What you may not think about is the average cost of raising a child from birth to year 18. Regardless if you’re already expecting or merely in the...

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Tips to Avoid Thanksgiving Day Home Cooking Fires

Written by Scott Boren on . Posted in Family, Lifestyle & Home.

Avoid Thanksgiving Day Home Cooking Fires with These Tips When it comes to home insurance claims, the two biggest hazards are fire and water. So, Thanksgiving is a big “hold your breath” moment of the insurance industry because the holiday produces a bunch of home cooking fires. In fact, according to the National Fire Protection Association (NFPA), Thanksgiving ranks as the leading day for...

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Tips to Choosing Your First Motorcycle

Written by Scott Boren on . Posted in Adventure.

Tips for Choosing Your First Motorcycle There is absolutely no single motorcycle that is perfect for everyone. That’s as true for veteran riders as beginners. Heck, there are so many brands, types, styles, and sizes – it’s simply difficult to choose. Honestly, it’s much easier to help you know if you need to buy motorcycle insurance. But if you’re in the market to buy your first...

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