Here’s something most people get wrong about Texas auto insurance: they call it “strict.” That’s not quite right. The laws themselves? They’re actually pretty straightforward. It’s the consequences of screwing them up that’ll get you. Every driver in Texas needs to carry auto insurance. Period. The rules aren’t complicated I’ve seen way worse in other…
California law requires every driver to carry liability insurance. Nothing more. Nothing less. The minimum limits are written as 15/30/5, meaning:$15,000 for bodily injury per person$30,000 for bodily injury per accident$5,000 for property damage If your policy meets these limits, you are legally allowed to drive. But legality and adequacy are not the same thing….
Auto insurance in the United States looks simple until you actually need it. Most drivers know they must be insured. Far fewer understand what that requirement really means, how it changes from state to state, or why the same accident can have completely different consequences depending on where it happens. This article is not here…
So last March I’m sitting at a red light, scrolling through Spotify trying to find something decent to listen to, when WHAM – this guy absolutely destroys the back of my car. Didn’t see it coming at all. One second I’m vibing, next second my neck snaps forward and there’s glass everywhere. My first thought…
Because meeting the legal minimum and being properly protected are two very different things. Here’s the thing about car insurance laws in America they’re a mess. Forty-nine states demand you carry coverage (New Hampshire being the rebel holdout), but what they actually require? It’s all over the map. California says 15/30/5 is enough. Michigan? They…
Getting cheap car insurance quotes is easy, but getting accurate, comparable quotes requires strategy. Most shoppers make critical errors like comparing different coverage levels or overlooking company financial ratings, leading to either overpaying or choosing unreliable insurers. The key is requesting identical coverage from multiple companies, evaluating their claims handling reputation, understanding each insurer’s specialties,…
Most Americans overpay for auto insurance simply because they don’t know which levers to pull. Insurance companies offer dozens of discounts they rarely advertise, from bundling policies to completing defensive driving courses to installing anti-theft devices. Beyond discounts, strategic decisions about deductibles, usage-based programs, and dropping unnecessary coverages can slash your premiums by hundreds or…
Alright, so here’s the thing about auto insurance that nobody really tells you straight up: where you live and how old you are basically determining whether you’re paying reasonable rates or getting absolutely gouged. I’ve been writing about this stuff for like ten years now, and I still get shocked sometimes. Last month I was…
Look, I’ve been working in auto insurance for over fifteen years now, and I still remember my first time shopping for coverage. I sat across from an agent who rattled off terms like “comprehensive deductibles” and “UM/UIM stacking” while I nodded along like I had any clue what he was talking about. I didn’t. And…