3+ hour, 41+ min ago   (274+ words) ST. JOSEPH, Mo. (News-Press NOW) -- Millions of Missourians could see changes in monthly car insurance payments pending the outcome of new legislation introduced this session. Senate Bill No. 852 filed in December by Missouri Sen. Karla May (D-St. Louis) seeks to…...

2+ week, 6+ day ago   (462+ words) The Underwriting Function: Verifying the Risk The 60-day underwriting window exists to allow the insurer to conduct its thorough post-bind verification. During this time, the carrier is actively performing critical checks: If the insurer discovers a significant discrepancy, undisclosed risk,…...

3+ week, 3+ day ago   (322+ words) Understanding the rights of the policyholder begins with recognizing the fundamental difference between two key terms in the insurance lexicon: cancellation and nonrenewal. Across the United States, every state has established a minimum notice period that car insurance companies must…...

3+ week, 4+ day ago   (339+ words) Cheap Insurance dives into what this major shift means for auto insurance policyholders as we approach 2026. It examines the advantages, potential pitfalls, and the proactive steps drivers can take to successfully navigate this evolving landscape of smart auto insurance. One…...

3+ week, 5+ day ago   (392+ words) The decision for a car insurance company to declare a vehicle a total loss boils down to a cold, hard calculation: Is the cost of repairing the vehicle more than a certain percentage of its Actual Cash Value (ACV)? This…...

4+ week, 2+ day ago   (242+ words) Understanding which features truly translate into a discount and which ones simply contribute to your car's overall safety rating is the key to maximizing your savings. Insurers look for features that minimize the two biggest costs: injury claims (reducing payouts…...

1+ mon, 2+ week ago   (269+ words) CheapInsurance.com breaks down the essential steps and considerations for comparing car insurance quotes. Understanding how to evaluate different policies can help drivers make informed decisions, save money, and avoid coverage gaps. This guide is based on regulatory guidance, industry…...

1+ mon, 2+ week ago   (437+ words) Every driver faces the decision of how much protection is enough, and whether it's worth paying for the widest option. CheapInsurance.com analyzes insurance data, risk factors and real-world scenarios to help you understand when paying for "full coverage" may…...

1+ mon, 2+ week ago   (259+ words) Insurers typically use a specialized score, often called a credit-based insurance score, instead of a standard FICO credit score. According to the National Association of Insurance Commissioners (NAIC), the factors used to calculate this score include: While often correlated with…...

2+ mon, 2+ week ago   (381+ words) However, there are important exceptions: While the overarching rule is that insurance follows the vehicle, certain types of coverage behave differently. Liability insurance is the one coverage that follows the driver. This is because liability protects you, the policyholder, from…...