2+ hour, 35+ min ago   (796+ words) YUMA, Ariz. (KYMA) - What started as a rock hit on the highway, turns to a massive crack and a windshield needing replacement. So do you file an insurance claim or pay out of pocket?With insurance rates so high, it's…...

6+ mon, 4+ week ago   (302+ words) YUMA, Ariz. (KYMA) - When you rent a car, expect the question: "How do you want to insure it?" You can buy the rental company's insurance or use your own. There are merits to both, but there's an option you may…...

8+ mon, 10+ hour 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…...

8+ mon, 2+ week ago   (777+ words) You drive safely. You haven’t filed a claim in years. Yet, when that auto insurance bill arrives, the number seems stubbornly high. Why? Most drivers believe their rate is based solely on their driving record. That’s only half the story....

8+ mon, 4+ week ago   (213+ words) A car is declared a total loss, or “totaled,” when the estimated cost of repairs is more than its Actual cash value (ACV). The ACV is not the car’s original purchase price, but rather its market value right before the…...

8+ mon, 4+ 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…...

9+ mon, 1+ week ago   (642+ words) According to the Insurance Research Council, 15.4% of U.S. drivers in 2023 were completely uninsured, up 3% from 2017. As a result, you could be the one footing the repair bill the next time you get into an accident, even if it was no fault…...

9+ mon, 1+ week ago   (1613+ words) Rising importance in the 2024-2025 market Telematics programs track driving habits using either smartphone apps or in-car devices. They use GPS and motion sensors to monitor things like speeding, braking, mileage, and when you’re on the road. Some programs still use…...

9+ mon, 2+ week ago   (1712+ words) How you get your car (buying, financing, or leasing) has a big impact on insurance costs. According to Technavio, leasing is on the rise. Ownership structure matters because it dictates coverage requirements. According to Forbes Advisor, national averages show full…...

9+ mon, 3+ week ago   (606+ words) Unfortunately, car theft is an all-too-common occurrence. The stress and disruption of having your vehicle stolen is significant, but it is important to know that there is a good chance of it being recovered. Recent statistics also show that over…...