According to the United States Department of Treasury’s Federal Insurance Office, the average American household spends around two percent of its annual income on personal automobile insurance. However, auto insurance companies typically raise and lower premiums based on several factors. Understanding these factors will help you monitor your premiums accordingly. Keeping this in mind, here...

With car crashes being the leading cause of death for Americans 34 years and younger, the federal government requires every U.S. car owner to have auto insurance, except in Virginia and New Hampshire states. Every year, car owners in the U.S. make thousands of auto insurance claims due to the accidents that occur at least...

American roads and highways can be a dangerous place, especially when drivers resort to aggressive and risky driving maneuvers with little or no consideration for other motorists and pedestrians. In fact, in 2019 alone, car crashes in the U.S. caused around 39,000 deaths and 4.4 million serious injuries, as reported by the National Safety Council....

Typically, when auto insurance companies suffer consistent losses due to an increase in auto insurance claims, they adjust their auto insurance premiums upwards to return to profitability. From an increase in distracted-driving car crashes to record-breaking natural disasters, here is a look at four common reasons why auto insurance premiums rise. 1. More Auto Insurance...

According to the Insurance Institute for Highway Safety, teen drivers are the most dangerous drivers on American roads due to inexperience. Fortunately, you can take measures to make your child a better driver. Here are four tips to make your teen a safer driver. Tip #1: Clock At least 110 Hours of Parent-Supervised Driving A...

It’s important to pay your auto insurance on time to avoid troubling consequences. Sometimes bills become so stressful they stack up, and it’s hard to pay them on time. Here’s a look at what happens when your auto insurance payment is late. Late Auto Insurance Payment Scenarios Each auto insurance company uses its own standards...

Getting car insurance coverage from a big name company isn’t always easy, depending on your driving record and other personal details. Here are some of the main reasons your application for a car insurance policy might be denied. Unique Vehicles Classic cars and other uncommon vehicles may require special insurance, due to how insurers calculate...

While car insurance is necessary for all Texas drivers, you can save money by cherry-picking features in your policy. Here’s a brief look at what your options are to cut costs. Essential Car Insurance Most drivers need collision and comprehensive car insurance if they finance their vehicle, which accounts for most purchases. These two combined...

Every driver on Texas roads needs auto insurance and must follow the requirements of the state. Good driving habits can help lower your insurance premiums. Taking a proactive vehicle maintenance approach is one of the keys to preventing an accident that can injure others on the road. The following tire maintenance tips can steer you...

Lawsuits are common in car insurance claims. However, you might be thinking whether the legal costs are covered by your insurance agency, or you need to pay them. Here’s a brief overview that will help you understand whether your auto insurance coverage includes legal expenses. Does Your Auto Insurance Cover Legal Fees? If you are...