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Insurance guides

Bundling Home and Auto Insurance: Is It Better to Bundle?Bundling often earns a discount and keeps things simple, but a discount on an expensive policy can still cost more than two cheaper ones. Compare the bundled total against the best separate prices.
Car Insurance Discounts: Common Discounts to Ask AboutInsurers offer many discounts, but each company chooses which ones it offers. Use this list to ask, then compare the final price, not the number of discounts.
Car Insurance for Military and Veterans: Deployment and PCSTell your insurer before you deploy or move, keep coverage active, check your lender’s rules before reducing coverage on a stored car, and compare military-focused insurers with everyone else.
Average Home Insurance CostThe average HO-3 homeowners policy cost $1,737 for a year of coverage in 2023, according to the NAIC, from $923 in Wisconsin to $3,027 in Louisiana.
Renters Insurance ExplainedYour landlord’s insurance covers the building, not your things. Renters insurance covers your belongings and your liability.
Condo Insurance (HO-6) ExplainedYour association’s master policy covers the building. Condo insurance covers your unit, your things and your liability, and fills the gaps between them.
Car Insurance for Teens and New Drivers: Costs, Discounts and TipsTeen drivers cost more to insure because they crash more often per mile. Good-student, driver’s ed and safe-driving discounts, the right car and comparing quotes help keep the cost down.
Average Renters Insurance CostThe average renters policy (HO-4) cost $173 for a year of coverage in 2023, according to the NAIC, from $125 in South Dakota to $263 in Mississippi.
What to Do After a Car AccidentA calm checklist for the scene and the days after, so you protect yourself and your claim.
Full Coverage vs. Liability Only: Which Do You Need?Liability pays for damage you cause to others. Full coverage adds protection for your own car. Here’s how to decide.
How Much Does Car Insurance Go Up After an Accident?There’s no single answer: it depends on your insurer, your state, who was at fault and how big the claim was. State rules show how fault and surcharges work, and comparing quotes shows what you’d pay now.
How Much Car Insurance Do I Need?Your state sets a legal minimum, but most drivers need more. Here’s how to pick liability limits and decide on collision, comprehensive and the extras.
Homeowners Insurance ExplainedA standard homeowners policy has six parts. Here’s what each one covers and what it leaves out.
How to Lower Your Car InsuranceMost drivers can pay less without giving up protection that matters. Start with these steps, roughly in order of impact.
Car Insurance for Seniors: Rates, Discounts and How to SaveSome insurers raise prices as drivers get older. A mature driver course, a low-mileage discount, bundling and comparing quotes at each renewal can help lower the price.
Multi-Car Insurance: Insuring Two or More CarsInsuring more than one car with the same company often earns a multi-car discount. List every licensed driver in your household, match coverage to each car, and compare the household total across insurers.
How to Switch Car Insurance (Even Mid-Policy)You can switch car insurance at any time, not just at renewal. Do it in the right order and you won’t have a single day without coverage.
How Much Homeowners Insurance Do I Need?Insure your home for what it would cost to rebuild — not what it would sell for. Here’s how to set each limit.
Pet Insurance Waiting Periods and Pre-Existing ConditionsThe two rules that cause the most denied pet insurance claims — and how to plan around them.
How to Compare Car Insurance QuotesThe cheapest quote isn’t a bargain if it covers less. Here’s how to line quotes up so you’re comparing the same thing.
What Affects Car Insurance Rates?Insurers price risk. These are the main factors behind your rate, and the ones you can actually change.
SR-22 Insurance ExplainedAn SR-22 isn’t insurance — it’s a form your insurer files to prove you carry coverage. Here’s how it works.

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