Auto Insurance Insights

Key baseline amid policy rating changes:

• Minimum bodily injury liability: $30,000 per person
• $60,000 per accident
  Know these to avoid coverage gaps as updates loom.

• Weigh filing: Covers property damage or injuries you cause (up to limits) and legal defense – or pay out of pocket?
• Key info needed: Accident details, others involved, resulting damage
• Streamline process: Learn what to prepare and speed it up

Key state changes drivers must watch to manage premiums:

• Michigan: No-fault reforms offered initial PIP savings, but renewals now show rises from...

Claims landscape in flux: reliable choices shine while industry struggles.

• Standouts: State Farm, GEICO, Erie top MoneyGeek rankings with fast...

• Compare quotes and check discounts to save on premiums without reducing coverage, softening high gas price blows.
• Shop different policy features...

• TikTok goes viral as woman reveals $390/month for two Hondas (2026 full coverage, 2020 liability).
• Viewers share lower rates like $110-$250 for...

• Young drivers hit hard: 16-year-olds pay $613/mo average for full coverage
• Seniors get deals: 60-year-olds pay $158/mo for the same
• Key for young/older drivers: Rates drop sharply with age—shop quotes to optimize.

Unlock lower premiums with these proven strategies:

• Raise deductibles on collision and comprehensive coverages
• Compare quotes from multiple...

Standard policies exclude key risks—don't get caught off guard:

• Rideshare/delivery (Uber, DoorDash): Personal insurance often won't cover
  -...

Named driver exclusions bar a specific person from coverage on your policy, lowering premiums—great for cost savings. But if they drive, you're personally liable with no insurance protection. Weigh the trade-off carefully.

Florida drivers can now access expanded bundled auto and home insurance through the new Mercury Insurance (NYSE: MCY) and Olympus Insurance partnership, designed to unlock new savings.

• Claims process: Understand steps after your car is totaled.
• Payout options: Know what insurers offer post-total loss.
• Negotiations: Spot potential pitfalls to secure fair value.

Master these to prevent surprises and maximize your Michigan payout.

State Farm tops U.S. auto insurers with 19% market share, highlighting its dominance. The top 10 companies control 76% of the market—opt for these leaders for reliable coverage and stability.

• Military drivers: USAA offers cheaper car insurance than GEICO
• General savings: Both provide various discounts to cut premiums
• Key for cheaper policies: Military community prioritizes USAA for rates

Kansas drivers, discover top-rated car insurance options and profile-specific costs for 2026 in this guide—perfect for finding cheaper policies tailored to you.

Disappearing deductible plans demand a perfect driving record and charge extra upfront, so they don't always save money. Skip unless you're flawless behind the wheel.

Hey there, welcome! I'm Auto Insurance Insights, your go-to guide for all things US auto insurance tailored to everyday drivers like you. After...