New Car vs Used Car: The Insurance Cost Difference
New cars cost more to insure for three concrete reasons. How lender requirements, vehicle value, and repair tech drive the gap — and the 10% rule…
All guides
Every cost guide we have published, newest first.
Key Person Insurance: What Business Owners Need to Know
If your business depends on one or two people, key person insurance keeps it alive when they are gone. How it works, and the tax rules…
Pay-Per-Mile Insurance: Who Actually Saves Money
A base rate plus a per-mile charge. How pay-per-mile pricing works, who wins under 10,000 miles a year, and who should stick with traditional insurance.
Accident Forgiveness: What It Costs and Whether It’s Worth It
Your first at-fault accident won't raise your rate — but the protection isn't free. Earned vs paid forgiveness, the real math, and the loyalty trap.
Rental Car Coverage on Your Auto Policy: What It Pays For
Rental reimbursement pays for a rental while your car is repaired after a covered claim. Limits, exclusions, and whether the few dollars a month is worth…
Towing and Roadside Assistance: Is the Add-On Worth It?
A few dollars a month for tows, jumps, and lockouts. What roadside assistance covers, when it duplicates what you have, and two caveats worth knowing.
Rideshare Insurance for Uber and Lyft Drivers: What Your Personal Policy Won’t Cover
Your personal policy can deny claims while the app is on. How Uber and Lyft coverage periods work and the endorsement that fills the gap.
The Life Insurance Contestability Period: What It Is and Why It Matters
For the first two years, your insurer can investigate your application and deny a claim over material misstatements. What the contestability period means in practice.
SR-22 Insurance: What It Costs and How Long You Need It
The filing fee is cheap; the high-risk premium is not. What SR-22 insurance costs, how long the requirement lasts, and how to keep it affordable.
EV Insurance: Why Electric Cars Cost More to Cover
Battery repair costs, fewer certified shops, and higher vehicle values push EV premiums up. Why it happens and how EV owners can save.
Naming Life Insurance Beneficiaries: 7 Mistakes to Avoid
Your will cannot fix a wrong beneficiary form. Seven mistakes, from naming minors directly to skipping a contingent, that decide who actually gets paid.
Gap Insurance: When It’s Actually Worth Paying For
Gap insurance covers the difference between your loan balance and your car's value after a total loss. Who needs it, when to drop it, and what…
