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Compare Stacked vs. Non-Stacked Car Insurance: Rates, Discounts, & Requirements [2024]Post

Compare Stacked vs. Non-Stacked Car Insurance: Rates, Discounts, & Requirements [2024]

When you have multiple vehicles with insurance coverage, your coverages may either be stacked or non-stacked. There are pros and cons to consider with each type of coverage. For example, your rate will typically be higher with stacked insurance, but your coverage limits are much better. So, what does stacked mean in the context of...

When you have multiple vehicles with insurance coverage, you...

Combined Single-Limit Car Insurance: Explained SimplyPost

Combined Single-Limit Car Insurance: Explained Simply

Combined single limits insurance basically combines all of your liability coverage into one lump sum versus liability where coverage is split amongst different incidents.While most liability auto insurance is purchased as split liability, it is also possible to purchase combined single limits on a car insurance policy.Combined single limits (CSL), is usually used for commercial...

Combined single limits insurance basically combines all of y...

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How do you lower your car insurance deductible?Post

How do you lower your car insurance deductible?

Your car insurance deductible is an important component of your coverage. It determines how much you’ll pay out of pocket each time you file a claim, and it significantly impacts your rates. You can find your car insurance deductible on your proof of insurance card, declarations page, and policy documents. Lowering it will reduce what...

Your car insurance deductible is an important component of y...

Can I pay for repairs without going through my car insurance?Post

Can I pay for repairs without going through my car insurance?

There are advantages and disadvantages to paying out of pocket for car accident repair without insurance. In some cases, it could be the right option, but it has some unknown side effects in others. Before you decide on getting your car fixed without insurance, you will need to know the extent of the damages and...

There are advantages and disadvantages to paying out of pock...

Can I add a college student in another state to my car insurance policy?Post

Can I add a college student in another state to my car insurance policy?

You may add a college student in another state to your insurance policy. However, this will likely cause a rate increase. It also adds an additional layer of complexity as you’ll need to make sure that you’re meeting a second state’s minimum insurance requirements. Read More: How Much Car Insurance Coverage Do You Need Let’s...

You may add a college student in another state to your insur...

Should I buy car insurance through a broker or direct from the company?Post

Should I buy car insurance through a broker or direct from the company?

Whether you buy car insurance from an auto insurance broker or directly from the company is a personal choice that depends on more than just price. No matter which method of obtaining insurance coverage you prefer, it’s always a smart thing to shop around and compare cheap car insurance rates from as many companies as possible....

Whether you buy car insurance from an auto insurance broker ...

How do I terminate my car insurance policy?Post

How do I terminate my car insurance policy?

There are many reasons why you might choose to terminate your current car insurance policy. It could be because: You no longer own the vehicle. You’ve had an accident and it has been totaled. You are simply fed up with your insurance company and you want a change. Regardless, you need to understand exactly how...

There are many reasons why you might choose to terminate you...

Car Insurance Piggybacking: Explained SimplyPost

Car Insurance Piggybacking: Explained Simply

In the car insurance industry, piggybacking is a situation in which a person avoids paying higher costs by carrying several policies all from the same company. Also referred to as multi-line policies, this is a method to reduce the cost of your premiums. This article discusses the three main types of insurance that you can...

In the car insurance industry, piggybacking is a situation i...

How do I find out if GAP insurance is included in my car lease?Post

How do I find out if GAP insurance is included in my car lease?

GAP insurance is oftentimes required when financing or leasing a car. However, just because GAP insurance is required does not mean it is automatically included in your lease. To find out if GAP insurance is included in your car lease, you need to read the lease carefully and ask the lessor if GAP insurance for...

GAP insurance is oftentimes required when financing or leasi...

Compare Commercial vs. Personal Car Insurance: Rates, Discounts, & Requirements [2024]Post

Compare Commercial vs. Personal Car Insurance: Rates, Discounts, & Requirements [2024]

Since personal car insurance and commercial car insurance have different risks, the policies are written differently. Car insurance is important for both individuals and for businesses. Since the insurance company is taking on the liability and risk when you purchase a policy from them, the amount of that risk and liability is dependent upon many...

Since personal car insurance and commercial car insurance ha...

What is included in a standard car insurance policy?Post

What is included in a standard car insurance policy?

If you are new to car insurance and signing up for your first policy, you may come across a term stating standard car insurance. Standard auto insurance is not always what the majority of the population purchases, but it does give a driver peace of mind and the legal right to drive. Standard insurance usually...

If you are new to car insurance and signing up for your firs...

How much car insurance am I required to have if I still have a car loan?Post

How much car insurance am I required to have if I still have a car loan?

Usually, you only need to have enough auto insurance to meet the state’s requirements. However, if you’re insuring a financed car, your lender may want additional coverage.  Lenders want to protect their assets until you finish paying the loan. Your lender will write their minimum requirements into your contract, but usually, lenders just want a...

Usually, you only need to have enough auto insurance to meet...

How to Change Car Insurance Agents in 2024 [4 Easy Steps]Post

How to Change Car Insurance Agents in 2024 [4 Easy Steps]

You can change car insurance agents by researching options, comparing quotes, and selecting an agent who meets your coverage and budget needs. To ensure a smooth transition, notify your current agent, avoid coverage gaps, and finalize your new policy. Switching agents can help you save money, secure better customer service, and access more tailored coverage...

You can change car insurance agents by researching options, ...

How do you contest the amount of a car insurance payout?Post

How do you contest the amount of a car insurance payout?

If you’re unsatisfied with a payout from your car insurance company for a damaged or totaled car, you may want to contest the amount. If you wish to contest the amount of your car insurance payout after your car insurance claim, you need to prepare beforehand. If you don’t take the proper steps, there is...

If you’re unsatisfied with a payout from your car insuranc...

How to Calculate Total Loss Value of a Vehicle in 2024 [6 Easy Steps to Follow]Post

How to Calculate Total Loss Value of a Vehicle in 2024 [6 Easy Steps to Follow]

To calculate the total loss value of a vehicle, it’s important to consider factors like the vehicle’s age, make, model, condition, and the local market value before the accident. Monthly insurance coverage rates from other providers typically start at $22, but can vary based on these same factors. Insurance companies use these elements to assess...

To calculate the total loss value of a vehicle, it’s i...

Do you have to buy car insurance if you only drive occasionally?Post

Do you have to buy car insurance if you only drive occasionally?

If you only drive occasionally, do you still have to buy car insurance? There are many reasons that a person may only drive from time to time.Read More: Minimum Car Insurance Requirements by State Age – One reason is that they are a new driver, such as a teen, whose parents won’t let them drive regularly...

If you only drive occasionally, do you still have to buy car...

Compare SR-22 Car Insurance: Rates, Discounts, & Requirements [2024]Post

Compare SR-22 Car Insurance: Rates, Discounts, & Requirements [2024]

States have an obligation to protect their citizens, especially from what they deem to be irresponsible drivers. One way of doing this is assigning a high-risk label to drivers with poor driving habits.  If you’ve been involved in a traffic accident without carrying insurance, you could be required to carry an SR-22 form. This is...

States have an obligation to protect their citizens, especia...

Compare Assigned Risk Car Insurance: Rates, Discounts, & Requirements [2024]Post

Compare Assigned Risk Car Insurance: Rates, Discounts, & Requirements [2024]

What exactly is an assigned risk car insurance policy? Well, an assigned risk auto insurance policy is one that covers high-risk drivers. Your state offices will insist that you have an auto insurance policy in effect before you get your license. However, if you are in a high-risk category, then landing such a policy is...

What exactly is an assigned risk car insurance policy? Well,...

Does car insurance cover relatives with international driving permits?Post

Does car insurance cover relatives with international driving permits?

When relatives visit you from another country, you may want to loan them your vehicle once in a while so they can get around on their own. At the same time, you might be wondering if your insurance will cover your relatives or if you need to purchase car insurance for an international license holder. ...

When relatives visit you from another country, you may want ...

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