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 […]

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 […]

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 […]

The Starter Classic Car Guide: Finding Your First Vintage Ride You never forget your first starter classic car. Mine came courtesy of weekends spent with my father, learning how to resurrect forgotten engines and breathe life back into neglected chrome. But what if you weren’t lucky enough to have your own automotive mentor? How do […]

Best Car Insurance: What “Best” Really Means (And How to Find It) Most people approach car insurance the same way they approach buying gas. Get in, pay as little as possible, get out. That works fine — right up until something goes wrong. When it does, you won’t be thinking about what you saved on […]

Seven Confusing Auto Insurance Terms Simplified Your auto insurance is a contract and, like other contracts is can be confusing to read. It gets more complicated when you consider some of the other confusing auto insurance terms or jargon. Frankly, while some of the terms may seem “lawyerly” or even like reading a foreign language, […]

Why You Need to Shop for Auto Insurance Regularly (Before You Overpay) Here’s a wild idea: Maybe your auto insurance company doesn’t want you to shop for auto insurance regularly. Shocking, right? While they’re sending you cheerful renewal notices and holiday cards, they’re quietly counting on your complacency to maintain their renewal rates. Don’t believe […]

Nonstandard Auto Insurance: What They Don’t Tell You About Your “Affordable” Policy So you think you scored a great deal on auto insurance? Bless your heart. You just bought a nonstandard auto insurance policy. What if I told you that your shockingly low premium might come with an equally shocking surprise when you actually need […]

Why Buying Minimum Auto Insurance Limits Can Cost You Big “I saved 15% on my car insurance by switching to minimum auto insurance limits!” Congratulations. You also just volunteered to play Russian roulette with your financial future. Let’s be honest about something: Minimum auto insurance limits aren’t designed to protect you. They’re designed to create […]

Auto Insurance Claims: The Guide Your Agent Hopes You’ll Never Need Let’s cut to the chase — auto insurance claims suck. They’re as welcome as a tax audit and about as much fun as explaining cryptocurrency to your grandparents. Yet here we are. The cold, hard truth: About 2% of California drivers file auto insurance […]