Insurance Tips
Expert advice and practical strategies to help you save on auto insurance.
Heather Wilson
States With the Most Uninsured Drivers in 2026: What It Means for You
Mississippi (28.2%), New Mexico, and D.C. lead U.S. uninsured driver rates. See all 50 states ranked and why UM coverage matters.
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Heather Wilson
Cheapest States for Car Insurance in 2026
Idaho, Wyoming, and Vermont are the cheapest states for car insurance in 2026, averaging 36% to 44% below the $2,578 national rate. See the top 15.
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Heather Wilson
Most Expensive States for Car Insurance in 2026 (And Why)
Maryland tops the 2026 list at $3,594. See the 15 priciest states for car insurance and the specific reason rates are so high in each.
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Emily Dinan
States Where Insurance Companies Can't Use Your Credit Score
Four states (CA, HI, MA, MI) ban credit-based auto insurance pricing. See the full state-by-state table, savings data, and 2026 legislation.
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Emily Dinan
No-Fault vs. At-Fault Car Insurance States: How Your State's System Affects Your Coverage
12 states are no-fault and 38 are at-fault. See PIP minimums, threshold rules, and how the same crash pays out differently in each system.
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Emily Dinan
Car Insurance Requirements by State: All 50 States in 2026
All 50 states' minimum car insurance requirements for 2026: liability limits, PIP rules, fault systems, penalties, and SR-22 triggers.
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Heather Wilson
Rental Car During an Insurance Claim: What Your Policy Covers
Rental car during a claim: your policy pays $30-$75/day, but the at-fault driver's insurer often covers the full rate. Three scenarios explained.
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Heather Wilson
How to Negotiate a Total Loss Car Insurance Settlement
Dispute a low total loss offer with comparable listings, maintenance records, and the appraisal clause. Step-by-step 2026 guide for drivers.
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Heather Wilson
How to File a Claim Against Another Driver's Insurance (Third-Party Claims)
Filing a claim against another driver's insurance? 2026 step-by-step guide to third-party claims, adjuster traps, and your rights as a claimant.
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Heather Wilson
Should You File a Car Insurance Claim or Pay Out of Pocket?
Use the break-even formula to decide: a claim costs $1,200+ in 3-year rate hikes. Pay out of pocket when repairs are under $2,200.
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Heather Wilson
What Happens When Your Car Is Totaled? Total Loss Insurance Explained
Total loss declared at 60-100% of ACV depending on state. Learn how insurers calculate ACV, dispute lowball offers, and decide on salvage buyback.
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Heather Wilson
Car Insurance Deductibles: How to Choose the Right Amount
Compare car insurance deductibles from $250 to $1,500 with 2025 premium data, breakeven math, and how to pick the right amount for your savings.
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