Insurance Tips
Expert advice and practical strategies to help you save on auto insurance.
Heather Wilson
Car Insurance Exclusions: What Your Policy Won't Cover
Discover the 9 most common car insurance exclusions that lead to denied claims, including rideshare gaps, personal items, and business use loopholes.
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Heather Wilson
Liability-Only vs. Full Coverage Car Insurance: How to Choose the Right Policy in 2026
Compare liability-only vs full coverage car insurance costs, coverage, and when to choose each. Average savings of $1,518/year with liability only.
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Heather Wilson
Pay-Per-Mile Car Insurance: How It Works and Whether It Can Save You Money
Pay-per-mile insurance charges a base rate + per-mile fee. Compare Nationwide, Allstate, Metromile rates and find your break-even mileage.
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Heather Wilson
Roadside Assistance Insurance: What It Covers and Whether You Need It
Roadside assistance costs $5-$15/year through your insurer vs $62-$121 for AAA. Learn what's covered, per-incident limits, and the claim risk most drivers miss.
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Heather Wilson
Rental Reimbursement Coverage: Is It Worth Adding to Your Policy?
Rental reimbursement coverage costs $2-$15/month and pays $30-$75/day while your car is repaired. See when it pays off and when to skip it.
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Heather Wilson
Gap Insurance: What It Is, How It Works, and When You Actually Need It
Gap insurance covers the gap between your car's value and loan balance. Learn costs ($20-$60/yr vs $700 at dealers), when you need it, and how to buy.
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Heather Wilson
What Is Full Coverage Car Insurance? (And What It Doesn't Cover)
Full coverage car insurance combines liability, collision, and comprehensive. Learn what it costs, what it excludes, and when to drop it.
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Heather Wilson
When to Drop Collision and Comprehensive Coverage on an Older Car
Use the 10% rule to decide when dropping collision and comprehensive saves money. Includes a year-by-year table for popular car models.
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Heather Wilson
Medical Payments Coverage (MedPay): What It Covers and Who Needs It
MedPay covers your medical bills after any car accident for just $3-$8/month. Learn what it covers, how it compares to PIP and health insurance, and whether you...
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Heather Wilson
Personal Injury Protection (PIP) Insurance: Which States Require It and What It Costs
PIP insurance covers medical bills, lost wages, and more after an accident. See which 12 states require it, costs by state, and PIP vs MedPay compared.
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Heather Wilson
What to Do After a Car Accident: The First 24 Hours, Step by Step
Follow this 3-phase checklist after a car accident: at the scene, within 24 hours, and within 1 week. Covers police reports, insurance claims, and more.
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Heather Wilson
How to File a Car Insurance Claim: A Step-by-Step Guide
Step-by-step guide to filing a car insurance claim in 2026. From accident scene to settlement check: timelines, tips, and what to say (and avoid saying).
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