Auto Insurer Progresses Into Massachusetts
August 16, 2008
The Ohio-based Progressive Corporation, one of the top three auto insurance providers in the United States, recently started operations in the state of Massachusetts. The company began selling auto insurance in Massachusetts at the beginning of May, 2008. As of today, the company has sold over 10,000 vehicle insurance policies to Massachusetts customers. Read more
How Your Claims History Affects Your Home Insurance Costs
August 14, 2008
Intuitively, it would seem that people buy home insurance at all on the presupposition that eventually they will have to make a claim. That is the only way insurance makes sense at all. Aside from the fact that it’s often required by law, why pay the premiums if you don’t think you’ll ever need to collect?
Given this common-sense assumption, it can seem unfair that filing multiple claims with your home or auto insurance provider–especially certain types of claims–can make your rates go up. Certain kinds of claims cause your insurer to see you as a liability. After filing many claims, you might find that not only have your rates increased, but your coverage has diminished. What’s worse, other insurers might become more hesitant to offer you new coverage. Read more
The Mathematics of Auto Insurance
August 9, 2008
When you’re picking an auto insurance provider, you already know it’s important to shop around, compare prices, and understand the different levels of coverage available to you. However, once you have this information, to really get the most out of your auto insurance, you need to go an extra step. In order to really understand the pros and cons of every auto insurance option, you need to do some math. Don’t just look at whatever policy is cheapest, or even at whatever policy gives you the most coverage for the price.
Instead, carefully consider all the factors involved in driving a motor vehicle, and calculate your risks intelligently. Then, choose your policy. More likely than not, you’ll end up saving more money this way than only by looking at prices. Read more
Auto Insurance Companies Give Special Discount To Hybrid Drivers
August 9, 2008
The effects of the sluggish economy can be seen almost anywhere in the country if you go to a gas station and look at the prices for fuel. We’re living in a time where people have to be conservative when it comes to driving, because paying at the pump for a full tank is becoming something of a luxury that most people are hard-pressed to afford. Read more
Home Insurance Cost
August 8, 2008
Have you ever wondered exactly how the cost of your home insurance is figured? What aspects are used to figure the amount? Is there some sort of complicated formula that the agents follow? You can learn about the aspects that influence the price you are paying for your home insurance, and can actually use this information to lower your premium rates. Once you know how to think like an insurance agent when calculating the price of a policy, you will be able to determine just how much of a risk an insurance company would deem you and come very close to the actual figure of the price you would have to pay. Read more
Filing In The Gap Of Gap Insurance
August 6, 2008
For car owners who are either leasing or financing their vehicle getting into an accident even a fender bender can spell financial ruin. Often time the cost of repair is far more then what the car’s value is estimated at leaving consumers responsible for the difference. Read more
Health Insurance Outpaces Inflation
August 5, 2008
One of the few things that are elusive to obtain but very much worthwhile is Health Insurance. With the right job, this comes relatively easy, but in many other professions or positions, you are left having to jump through hoops in order to obtain the coverage you need to live a peaceful and less worrisome existence.
With so many people in need of health insurance these days, many of them turn to paying for it out of pocket, but a slumping economy has made it difficult to afford something that is being further confounded by the fact that rising premiums are pushing more and more people out of the market. Read more
Low Profile Car Can Save On Insurance
August 4, 2008
Although most drivers pay attention to is the risk their vehicles run of being stolen, a large number of them don’t take into account the frequency at which their vehicle types are stolen on a national level. Even if you protect your vehicle well, it could still be one of the types that are targeted the most often by car thieves, and thus you’re not only at a higher risk in general of having it kidnapped, you also may suffer when it comes to getting your car covered by insurance companies, since they pay attention to the type of vehicles that are stolen the most often and adjust the rates as necessary to reflect this kind of information. Read more
Are Hybrid Vehicles a Good Purchase For Low Insurance?
August 4, 2008
Ask anybody you know, and they’ll tell you that times are tough. Actually, just ask yourself that, and you’ll most likely be able to tell yourself the same thing. America is in a slump, and everybody is feeling the shock waves of a stuttering economy. One of the biggest issues today is the cost of oil, which in turn has affected the price of gas considerably, a harsh fact that has been hitting the wallet of every American citizen that drives a vehicle. Read more
Overlooked Ways To Save On Homeowners’ Insurance
August 2, 2008
You could be overlooking an important way to save on your homeowners’ insurance. America’s economy is forcing many households to find new ways to be thrifty. Looking at the documents give n to you by your home insurance company can yield oft-ignored opportunities for thrift.
Most people know that they can reduce their homeowners’ insurance rates by changing their policies to have a bigger deductible. However, many people don’t know how many ways there are to get credits with their home insurance provider. With these credits, home insurance providers reward people who choose to improve their homes by lowering their annual rates, without increasing deductibles. Unlike the situation in which you lower the premium by increasing the deductible, you don’t stand to lose anything by taking advantage of these credits. You only stand to benefit. Read more
Pennsylvania Auto Insurer Wins First J.D. Power Award
July 30, 2008
The Erie Insurance Group, operating out of the city of Erie Pennsylvania, is only the number 16 US automobile insurance provider in terms of its size and revenue, and only America’s number 21 provider of home and accident insurance. However, the worldwide marketing research and consulting company J.D. recently announced that Erie Insurance has achieved a number 1 rating in, many would argue, a much more significant domain. The Erie Insurance Group just won J.D. Power and Associates’ “Highest in Customer Satisfaction” award for auto insurance providers. Read more
Allstate Worst US Insurance Company, Lawyers Say
July 30, 2008
The American Association for Justice (AAJ), an organization representing the concerns of lawyers mostly working for plaintiffs in civil trials, gave Allstate its lowest rating today in its study of US insurance companies. This statement comes on the heels of a long history of legal conflict between Allstate and its customers, who have been taking to court their demands for allegedly wrongfully withheld claims. The AAJ asserted today that Allstate is the worst insurance company in the country, based on the rates it charges its customers and its unfair treatment of many customers.
Read more
Why Should You Have Renter’s Insurance
July 27, 2008
A simple act of neglect may be the reason for some renter’s lack of insurance to protect their valuables. An oversight of the necessity for protection in this day and age can result in losses of many of our most important possessions. The landlord usually doesn’t mention insurance or offer to insure the renter’s valuables so consequently, the renter is responsible for insuring his own apartment contents. Read more
New Auto Insurance Policies for Teenagers
July 18, 2008
A new phenomena is happening in the auto insurance world, some company’s are actively seeking out what were once considered only one step behind Nascar racers and Hollywood stunt drivers in terms of risk, .. The teenager.
Drivers aged under 20 make up just 6% of the total number of drivers on US roads. They also account for over 13% of all fatal accidents. The figures are however declining with 8% less accidents resulting in death during 2006. Read more
Renter’s Insurance Quotes
July 16, 2008
People who rent a place to live need insurance just like homeowners do. Before buying a policy, you would be wise to take the time to do some research first. That way, you can be certain that all of your personal property is well protected as well as being covered against a lawsuit if someone were to injure themselves on the property that you are renting and decided to take you to court. The best way for you to find out what the different insurance companies are offering is to get a quote from several of them. Read more
Motorcycle Insurance
July 15, 2008
Anyone who owns a motorcycle needs to think about getting motorcycle insurance. Many states in the US require you to have at least liability coverage, but some states do not. To be safe, it’s a good idea to check with your insurance agent to see what your state requires. If you live in one of those 45 states that requires liability insurance, it is in your best interest to take out a policy.
You may think you are a very good and safe driver and could never cause a collision, but accidents happen every day. That’s why they are not called on purposes! No one means to have or cause an accident, but causing one without liability insurance can cost you a lot of money for the other party’s medical bills, auto and property damage, lost wages and more. Read more
Causes Of Higher Life Insurance Premiums
July 14, 2008
If your insurance premiums are rising, there are some facts, which do contribute to the rises in the costs of insurance. Living a lifestyle that is considered to be low risk and if your health is good then you may be in a position to have lower insurance premiums. An unforeseen change in either one of these conditions can, however, cause a rise in the premiums. There are some factors you need to consider when you are looking for a life insurance policy. You will need to know how these factors will affect your insurance premiums and if there is anything you can do to control the effects. Read more
Credit History And Auto Insurance
July 12, 2008
These days many insurance companies base their auto insurance premiums, at least partially, on your credit rating and history. If you have managed to diligently build up a good and solid credit rating, then you probably be able to find considerably lower auto insurance rates.
Of course, to achieve a solid history with the credit bureaus takes a considerable amount of time and effort. You have to always ensure that all of your utility and other bills are kept totally open to date. Your credit card and other debts have to be very much under control, with good steady payments, and a balance that never exceeds two thirds of your available credit line. Read more
Avoiding Private Mortgage Insurance
July 8, 2008
The 20% down payment needed to purchase a home can be very difficult for some first time buyers to come up with. Quite often, it will be necessary for the homebuyers to get some type of private mortgage insurance in order to buy their house. Private mortgage insurance can be of great assistance in bypassing this first obstacle in your transaction, but it can create others. Your house payments will be higher each month and you won’t be able to deduct the difference when you file your taxes. While most homebuyers would like to avoid these problems and the 20% down payment, how do they avoid using private mortgage insurance? Read more
Mobile Home Insurance
July 6, 2008
Lots of people who are not familiar with the world of mobile homes are surprised to find out that there is such a thing as mobile home insurance. Yes, just as there is insurance for regular homes, so is there insurance for those who dwell in a mobile home. If you are looking to purchase a mobile home insurance policy, you need to make sure of exactly what kind of policy you are getting before you agree to buy. It stands to reason that you are going to look for the best price on a policy you can find, as most people do. What is more important than the price is the coverage that you are getting for that price. Read more
Seeking Advice On Your Auto Insurance Policy
July 4, 2008
Vehicle insurance is intended to cover you and your passengers, other vehicles and their occupants, as well as other people and property your vehicle may be involved in an accident with. However, having said that, there are different options with many variations for you to choose from. There are endless combinations of cover you may want to consider. Do you want your children to be able to drive the car, or not? Do you want any passengers covered, or just your own family? Read more
How To Buy And Use Your Auto Insurance Policy
July 3, 2008
It is a much better policy to understand your auto insurance, and how it works up front. To save you some cash, and so you don’t think that you are insured for certain items when in fact you are not.
The first option is to not pay your renewal when it arrives. The insurance company banks on you not being interested in spending time looking for a new insurance company. That is why your renewal quote is probably not competitive. So look around for the best quote available, you could save as much as 50% by shopping around. It is also not true that smaller companies offer the best premiums; big companies can often be very competitive.
If you have an older vehicle that is not very valuable, collision insurance is probably going to be a waste of money, stick with basic insurance. You should also ask you agent about diminished value, your insurance company may think that your vehicle is worth a lot less than you think it is. You should be sure to ask your agent what are your states legal regulations are for diminished value.
A good credit rating is a valuable asset for many things in life, including auto insurance; a good credit rating will help to lower your premium. Don’t keep your teen or young driver on your insurance if they are away at college or no longer drive your car for some reason. Young drivers can be the most expensive to insure, so don’t put them on the policy unless you have a real need to do so. Ask about the claims process before you sign the paperwork, not when you have an accident. Make inquiries as to if they insure for generic or original spare parts, and also how their claims process works.
If you have an accident call the agent immediately if you can. Even from the scene of the accident, you may only have as little as 48 hours to put in your claim so don’t leave it until later. Keep a good record of your claim; make a note of everything, especially at the scene of the accident. Note names, vehicle numbers, anything anyone says, and anything that may help you later. Don’t waste time, get estimates, chase the company, don’t leave things ‘until next week’, insurance companies move slowly so you need to harass them.
Don’t forget to claim everything back from the insurer, items like registration fees and sales tax, they will not remind you, so make sure you file a very full claim. Deal politely but firmly with the loss adjuster, get everything in writing, things he may say, mean nothing. If you think it’s unreasonable, reject their first offer of compensation. One of the reasons insurance companies take so long to pay out, is so that you will become frustrated and accept what they offer you. If the company refuses to budge on settlement, ask for arbitration it is a lot quicker and cheaper than an actual court case.
Very carefully consider any deductable, you may think $750 would be a lot to find if you had an accident.
However, it also lowers your premium; this would be a good thing to discuss with your agent.
Unless you are wealthy, your auto insurance will probably end up as a trade off. You will try to get the most coverage for the money you can afford. But keep in mind, reducing your liability to lower your premium is good in the short term. However, what happens if you have a serious accident and you get hit with a huge lawsuit?
- Consider a home and car, umbrella policy that or a few hundred dollars, can cover you for liability claims of up to a million dollars.
- Enquire about available discounts; you may be entitled to a break on your premium for all kinds of reasons. Such as if, you garage your car overnight, if you are a low mileage user. You may have an alarm, more than one vehicle, or some other situation that can lower your premium; you need to ask what is available.
- Use an independent agent to look for insurance for you. They are in a better position to know where to look for the best quotes. It’s what they do for a living if they can’t find you a good quote they don’t make any money.
- Make sure that your agent is not affiliated with one or two companies; you need independent, un-biased options, to save you money.
- Use an online auto insurance agent instead of your local small or large company. Online agents don’t have fancy offices or a booth at the shopping mall. They have low overheads that save them huge amounts of money. In return, they can be more profitable, and some of this profit can be funneled back to you, the client, as lower auto insurance premiums. That’s why you should always use an online agent for auto insurance quotes.
Recent additions:
- Auto insurance premiums are only half the deal
- Understanding Your Auto Insurance Policy
- Finding Reasonable Auto Insurance Rates On The Web
- General Information On Hybrid Cars
- Are Gas Rebate Cards A Good Idea?
- Are Car Donations a Blessing or a Curse During Economic Hardship
Auto insurance premiums are only half the deal
July 1, 2008
With so many different provider choices for auto insurance, how do you go about selecting a suitable company and policy? With auto insurance, you are buying coverage against the risk of accident or theft. You will want the insurance coverage to pay out for any claims such as, loss of life, bodily injury, vehicle damage and medical care, if the situation was caused by your fault. Read more
What You Should Know About Term Life Insurance
June 29, 2008
One of the most important things we want for our family is financial stability. In the event that we are not here to support them, it is comforting to know that this is why life insurance was introduced. The types of life insurance commonly used are term life, whole life, universal life, and variable universal life.
Term life insurance is the original form of life insurance and it is considered to be pure insurance protection. The difference between term life and other types of life insurance is that term life does not build any cash value. Your dependents are relying on you for financial support. If you are no longer in the picture to care for them it is good to know that your life insurance can cover some of their lost income. Read more
Home Mortgage Insurance
June 27, 2008
Many homebuyers have rather strong views on home mortgage insurance. Some want no part of it, and think it is grossly unfair that they would be required to take out such a policy simply because the down payment on the home they wanted to acquire was not as large as what the lender required. This also makes the interest rate that they have to pay higher than normal. Read more
Understanding Your Auto Insurance Policy
June 25, 2008
Auto insurance isn’t something you buy and forget about, confident that you are a legal motorist and who does everything he or she is supposed to do. Far from it. You should familiarize yourself with your auto insurance policy, before you get into an accident. That way, when faced with the stress of an accident you will not be overwhelmed. Instead, you will be able to make the right decisions even while your vehicle smolders and burns in front of you. Onlookers will admire you even as they cringe in horror at what you face. Read more
Finding Reasonable Auto Insurance Rates On The Web
June 24, 2008
Auto insurance is an important form of protection to have, for you and all other motorists who share the road with you. Auto insurance is a legal requirement to save all motorists from a law suit resulting from a traffic infraction or an accident. Property owners are also protected from loss due to damages done in an accident. Read more
Variable Life Insurance
June 22, 2008
Many people prefer variable life insurance to any other type available simply because there is so much flexibility with this form of insurance. Plus, there is the added perk of a built-in savings account that accumulates tax free interest.
Sometimes people get confused about variable life insurance, perhaps because of all this flexibility. But the concept is relatively simple to understand when you think of it as life insurance that increases in cash value. Read more
Condo Home Insurance
June 20, 2008
People who own condominiums do not always understand all of the various parts that make up condo home insurance. By becoming familiar with this type of insurance, and the different circumstances where having condo insurance can save you money, you will be able to better recognize what having insurance on your condo can help to safeguard the assets your condominium ownership gives you. You will also learn how this type of insurance actually works. With all of this newfound knowledge, you will have no trouble deciding on the type of condo insurance is right for your property. Read more
General Information On Hybrid Cars
June 18, 2008
As concern for the environment grows and gas prices soar, Hybrid Cars are hitting the market to a very warm reception. Championed by celebrities, the rich, and the trendsetters, hybrid cars are becoming affordable for the everyday working man. The popularity of hybrid cars is seeing a rapid growth and car manufacturers are quick to provide consumers with what they want.
The idea for an electric car has been around for several decades with a few models making it on the general market. These small electric cars required nightly charging via a wall outlet and could only reach speeds suitable for inner city driving at only a handful of hours at a time. While these cars were eagerly devoured during the early 1990s they soon saw a decline in sales due to inefficiency and cost. Read more
Are Gas Rebate Cards A Good Idea?
June 17, 2008
Many credit cards offer amazing perks to entice customers into signing with them. Often times these rewards are discounts at hotels, airline tickets, and other like benefits. A reward that is garnering more attention these days is the chance at free gas.
Gas rebate cards are especially tempting with record breaking oil prices promising to increase gas far past $4 a gallon. In an effort to save some green, consumers are searching for deals anywhere they can find them and one of those places happens to be credit cards. Read more
Are Car Donations a Blessing or a Curse During Economic Hardship?
June 11, 2008
It may seem like that no matter what the economy is like in America, one thing that never changes is the fact that, for the majority of the US citizens, automobiles are a way of life. Whether it is getting to work or going to the movies, automobiles have fully entrenched themselves in the lives of the American public. With that said, it comes as no surprise that the rising cost of gasoline has definitely put a severe crunch on the American lifestyle, hurting the pockets of everyone who depends on motorized wheels to achieve a successful lifestyle. Read more
An Introduction To Universal Life Insurance
June 9, 2008
When people start looking into buying a life insurance policy, they usually think to check out term life insurance and whole life insurance. Many of these people have not heard of another choice that they have, which is called Universal life insurance. Anyone who thinks that a whole life insurance policy would be ideal for their needs should look into Universal life insurance. Read more
Military Auto Insurance
June 9, 2008
If you (or your spouse if you are married) are presently serving your country in the Air Force, Army, Navy, Marines, Army Reserve or National Guard, there is a chance that you may be eligible for a discount on your automobile insurance, depending on the company who provides your policy. Anyone who is currently on active duty should find out from their insurance agent if by chance they have any kind of discount program in place for men and women who are in the military. Read more
Insuring Classic Cars Needs Specialist Insurance
June 6, 2008
Classic cars are a popular item for both nostalgia and investment purposes. Many collectors that own classic or vintage model cars prefer not to use those vehicles as their ‘everyday’ car. Many classic cars are kept in mint or excellent condition and hold a special place in the owner’s hearts. So, it is important to purchase the right type of insurance for those classic cars. Read more
Some Basic Information On Liability Auto Insurance
June 4, 2008
Most states require anyone who owns and drives a vehicle to have liability auto insurance. Perhaps this is why liability insurance is the foundation of insurance policies in most states in the USA. What does liability insurance do?
If you have an accident and it is determined that you are at fault, it will pay for any sort of physical injury and medical expenses and for any damage to the property of the other people in the accident. This includes repairing or replacing the items you may have damaged or destroyed in the accident. Liability insurance does not pay for your own car’s damage, your injuries and/or your property damage. It will pay for the legal fees for you and also for anyone else who is included on your policy. It will also pay to bail you out of jail if things get a bit testy at the accident scene! Read more
Economic Credit Crisis of 2008
May 25, 2008
We’ve all been hearing of an economic recession that has hit the United States in 2008, and which is now causing ripples of fear in Europe as well. The Euro Zone Growth Outlook for 2008 has decreased dramatically in the last few months. Why? What are some of the indicators that the current recession is serious? What are its possible causes? Read more
Car Loan Lenders Being Hit By Credit Crisis
May 15, 2008
The effects of the declining housing market is being felt in all aspects of life. Financial markets that may not necessarily have a direct connection to home mortgages are beginning to suffer from the economic stress. Car lenders have started to implement stricter standards before approving loans. Read more
The Importance Of Renter’s Insurance
May 10, 2008
Why is renters insurance important? For many renters, this type of insurance coverage is neglected even though they do provide valuable protections for the renter’s apartment or house. In some cases, it not willful neglect that is the problem, but just a simple oversight. It is not offered or mentioned by the landlord or property owner, so the renter remains uninsured. What sorts of protections are provided by renters insurance? The main element of protection is for the renter’s personal possessions against damage or theft. In this way, it functions like homeowners insurance. Those who are not familiar with renters insurance should find out whether there are insurance agencies that offer renters insurance policies. Read more
Basic Home Insurance
May 3, 2008
Some people are not interested in trying to save money on their home insurance or add extra coverage to their policy in order to protect the investment they have in their house even more. They don’t want to get involved in the time it takes to get a lower priced policy or any type of augmentation. They just want a good, average home insurance policy with no frills – just the basics. Read more
Bad Credit Auto Insurance
May 3, 2008
Many people do not realize that major insurance companies use certain credit information in order to help them to decide on what an individual’s insurance rate should be. What does this mean? As far as most insurance companies are concerned, bad credit equals a bad driver. This may not sound fair, but studies have determined that there really is a correlation between people who do not have the best credit record in the world and those people who tend to file automobile insurance claims. Read more
Auto Insurance for Your SUV
April 28, 2008
If you are thinking about the purchase of an SUV, you are probably already aware that they are quite expensive – that’s pretty common knowledge, especially at the gas pump. However, did you know that your auto insurance is also going to be more expensive? Insurance analysts say that the cost of insuring an SUV will average out to be 10 to 20 percent more than insuring an automobile. Read more
Saving Money On Auto Insurance
April 28, 2008
One of the most often-lamented costs of owning and driving a card is paying for auto insurance. Insurance is required by law in most states, and typically costs drivers a few hundred dollars a year, or even more if they fall into demographic groups defined by insurance companies as “risky.” It’s often a good idea to get insurance even beyond the minimum liability coverage that most laws require, if you want to really protect yourself in case of an accident. But how to avoid paying so much? Read more
Five Causes Of Rising Life Insurance Premiums
April 28, 2008
Have you been wondering why your life insurance premiums have been getting more expensive? There are actually a number of reasons or factors that can contribute to premium cost increases. In most cases, if you are in reasonably decent health and you live a low risk lifestyle, you can expect to have low cost life insurance coverage. If either of these two conditions changes your insurance premiums could go up. Since there are genuine factors that should be taken into account when it comes to life insurance coverage, it may be instructive to list them. You should know how they affect your premiums and whether you can do anything to control these affects. Read more
Affordable Health Insurance
April 26, 2008
There are many individuals and families in America today who do not have any form of health insurance. The numbers are in the millions. Some of these people are self-employed; some do not work at all due to poor health or plain old bad luck. Some work for a type of business that does not offer benefits such as health insurance to its employees. Whatever the reason, these people do not have the benefit of regular health care, simply because they do not have the money to pay the insurance premiums. Read more
Finding The Right Car Insurance
April 24, 2008
Car insurance is a necessary thing for drivers, not only because it is required by law in many states, but it is often the only protection you may have in case of an accident. Car accidents can have devastating and long lasting effects on you, your car, and your future depending on which side of the wheel you are on when the vehicles collide. With the right car insurance, the amount you have to pay out and the amount of coverage you receive can greatly reduce certain negative financial effects of an accident. Read more
Classic Car Insurance
April 24, 2008
If you are the proud new owner of a classic or antique car, you will want to take the best care of it that you possibly can. You may be wondering about insurance for your classic car. Generally, classic car insurance is not as expensive as regular automobile insurance. Some insurance agents are unclear about what is required for these beauties. They will try to sell you a regular, basic auto insurance policy. But, insurance coverage on a classic car is different than the coverage you would choose for a car that you drive every day. Read more
Collision Auto Insurance
April 23, 2008
Have you considered the option of collision auto insurance for your vehicle? It is an option because not every driver can see the need for the extra expense of adding it to their policy. However, collision insurance can more than pay for itself the very first time you use it. This form of auto insurance covers you in the event you hit a vehicle that belongs to someone else, and will cover you if you should hit an inanimate object, an animal or anything else that damages your car. Read more
Cheaper Is Not Always Better When It Comes to Auto Insurance!
April 22, 2008
You may have already learned this uncomfortable life lesson, or perhaps you are still waiting to experience it. It is a sad truth, but one we all must face – you cannot trust everyone, and that goes for auto insurance companies, too. Even though most of the companies that are in business are reputable, it is the ones who are not that will take your money and sell you an automobile insurance policy that may not be as complete as you think it is.
Read more
Comprehensive Auto Insurance
April 20, 2008
What do you know about comprehensive auto insurance? Many people have a hard time understanding exactly what it does because it is so similar to collision insurance. The difference in the two types of insurance is that comprehensive insurance will pay for damage to your car that is caused by any unknown entity, or what the insurance company terms ‘an act of God’. Read more
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