How is My Car Insurance Rate Calculated?

When determining the price of your insurance, companies will consider characteristics of you and your car that relate to predictions about future claims. The less risky your insurer considers you to be, the less you’ll pay for your car insurance.  Below are some of...

Know Your Coverage: Rental Cars After an Accident

Due to supply chain issues and labor shortages, many car repair shops are experiencing longer than normal wait times. If you get into an accident and your car is damaged, you may need to rent a car while your car is being repaired. Not all policies are the same and...

Your Options After a Total Loss

If you get into a car accident and the insurance company declares your vehicle a “total loss,” that means that your vehicle costs more to fix than to replace. Keep in mind that insurance companies not only consider the cost to repair the vehicle, they often: include...

How Cost-Sharing Works in Health Insurance

When you get medical care, you and your health plan share the costs. Your health insurance pays for some of the costs, and you pay for the rest. You will usually pay one, or more, of these:  Premium You pay a certain amount of money each month for your health...