Insurers calculate auto insurance premiums by considering several factors, each contributing to the overall cost of your policy. Understanding how auto premiums work can help you make more informed decisions about your auto insurance and find ways to reduce your premiums. Driving Record Your driving history can indicate how risky you are to insure. Incidents such as accidents, speeding tickets …

Auto insurance can be tricky to navigate, especially for high-risk drivers. This typically includes those with multiple traffic violations, DUI convictions or a history of accidents. In Iowa, like many states, high-risk drivers often face unique challenges in obtaining and maintaining auto insurance. One crucial aspect is the potential requirement of an SR-22 form. Understanding the SR-22 in Iowa In …

With the economy still lagging, everyone can benefit from saving a few bucks whenever possible. And, while car insurance is necessary—both to meet state requirements and for your own financial security—it would be helpful to pay less for it. Your auto insurance premium is calculated using a variety of factors, but, luckily, there are things you can do to reduce …

So, you finally got that new car you’ve had your eye on. Now, the only problem is getting covered. Do you have to sign up for a whole new policy? Can you transfer your old policy over to your new car? Will your rates go up? Here’s what you need to know: Your current policy will cover your new car …

In the last decade, the number of auto insurance claims that arise from distracted driving accidents has increased significantly. By definition, this is an accident caused by the fact that the involved driver wasn’t paying attention to the road.   While the use of mobile devices is a big contributor to the rise in distracted driving accidents, it is only one …

When your car brakes, then you are initializing a complex system of mechanical components that will work together to bring your vehicle to a stop. The average car weighs about 3 to 5 tons, and the fact that your brakes help stop this heavy machine within a few meters, countless times per year, is a testament to their reliability. You …

There are many ways to save money on auto insurance. Many vehicle owners assume they will get the lowest rate available as soon as they request a quote. That is not always the case. Being a smart driver means knowing what discount options are available to you. You may find a wide range of savings opportunities to help reduce your …

When you drive recklessly, it impacts more people on the road than just yourself. In fact, other drivers, their passengers, your passengers and even pedestrians on the road can be affected by the decisions you make behind the wheel. Therefore, you have to treat driving as the potentially dangerous activity that it is.   Your ability to drive safely directly relates …

Auto insurance is designed to provide you with financial assistance in the event of an accident, theft or other instance of vehicle damage. After all, you shouldn’t have to bear the costs of an accident entirely on your own. There are a few separate benefits that the average policy will utilize to cover vehicle damage. Two of these are collision …

Being a safe and responsible driver also means being a defensive driver. While the word “defensive” might sound dangerous, it’s not a bad thing. Rather, it means being in a state of heightened awareness. If you’re a defensive driver, then this means you are prepared for any surprises that might pop up on the road in front of you. Through …