Written by Anthony M. , insurance research contributor focused on auto insurance at Insurance Policy Authority. Renting a car is common — during travel, after an accident, or while a personal vehicle is being repaired. When something goes wrong, many drivers assume their auto insurance automatically applies to the rental. In reality, coverage depends on how the rental is used and what protections already exist. This article explains how auto insurance typically applies to ren

Written by Anthony M. , insurance research contributor focused on auto insurance at Insurance Policy Authority. Borrowing a car is common — from running an errand for a friend to using a family member’s vehicle for a few days. When an accident happens in a borrowed car, many drivers are unsure whose insurance applies and whether coverage still exists. This article explains how auto insurance typically works in the U.S. when a borrowed vehicle is involved in an accident, and w

Written by Anthony M. , insurance research contributor focused on auto insurance at Insurance Policy Authority. Most drivers compare auto insurance quotes by price alone. While price matters, it’s rarely enough to tell you whether two policies are actually comparable. The declarations page — often called the dec page  — is the document that shows what an auto insurance policy really includes. Learning how to read it properly is one of the most effective ways to compare offers

Written by Anthony M. , insurance research contributor focused on auto insurance at Insurance Policy Authority. Driving for a rideshare company like Uber or Lyft can change how your auto insurance works — sometimes in ways drivers don’t realize until after an accident. Many personal auto insurance policies are not designed to cover vehicles used for ridesharing, which can create coverage gaps if you’re not properly insured. This guide explains how rideshare insurance works in

Written by Anthony M. , insurance research contributor focused on auto insurance at Insurance Policy Authority. Classic and collector vehicles are more than just transportation — they’re investments, passion projects, and pieces of automotive history. Whether you own a restored vintage car, a rare collectible, or a limited-production model, protecting that value requires a different approach than standard auto insurance. While classic car insurance shares some similarities wi

Written by Anthony M. , insurance research contributor focused on auto insurance at Insurance Policy Authority. Luxury and exotic vehicles offer premium performance, cutting-edge technology, and exceptional design. But owning a high-end car also means facing higher repair costs, specialized parts, and unique insurance considerations that standard auto policies may not fully address. While the basics of auto insurance still apply, luxury vehicles often require additional cover

Written by Anthony M. , insurance research contributor focused on auto insurance at Insurance Policy Authority. Recreational vehicles give you the freedom to travel, explore, and even live on the road. But when your vehicle also becomes your living space, insurance becomes more than just a legal requirement — it becomes a critical layer of financial protection. RV insurance shares similarities with auto insurance, but it also includes additional coverage options designed spec

Written by Anthony M. , insurance research contributor focused on auto insurance at Insurance Policy Authority. Owning a boat opens the door to adventure, relaxation, and time on the water — but it also comes with responsibilities that many new boat owners don’t think about right away. One of the most important is insurance. While boat insurance isn’t always legally required, going without coverage can expose you to serious financial risk. Accidents, storms, theft, and liabil

Written by Anthony M. , insurance research contributor focused on auto insurance at Insurance Policy Authority. Motorcycles offer freedom, fuel efficiency, and a riding experience you simply can’t get in a car. But that freedom also comes with higher risk — and that’s exactly why motorcycle insurance matters. If you’ve already read our Auto Insurance Guide , you understand the basics of how coverage works. Motorcycle insurance follows many of the same principles, but there ar

Written by Anthony M. , insurance research contributor focused on auto insurance at Insurance Policy Authority. Most drivers know they’re supposed  to review their auto insurance policy occasionally. Fewer actually do. The phrase itself feels vague and slightly ominous, like it requires spreadsheets, phone calls, and a free afternoon you don’t have. In reality, a proper auto insurance policy review is far less dramatic than people imagine — and far more useful than they expec

Written by Anthony M. , insurance research contributor focused on auto insurance at Insurance Policy Authority. When people file an auto insurance claim, they’re usually already having a bad day. There’s been an accident, a breakdown, or unexpected damage — and the expectation is that insurance will make things simple again. File the claim, get the car fixed, move on. That expectation is understandable. It’s also rarely how things play out. Auto insurance claims often take lo

Written by Anthony M. , insurance research contributor focused on auto insurance at Insurance Policy Authority. One of the most common assumptions drivers make is that auto insurance is tied strictly to the car itself. In reality, auto insurance follows a mix of the vehicle, the driver, and the situation — and understanding where coverage applies (and where it stops) matters more than most people realize. This confusion often surfaces after an accident, when expectations don’

Written by Anthony M. , insurance research contributor focused on auto insurance at Insurance Policy Authority. Many drivers are surprised when they shop for auto insurance and discover that quotes can vary dramatically between people who appear, on the surface, to be very similar. Two drivers of the same age, living in the same city, driving the same model vehicle can receive premiums that differ by hundreds or even thousands of dollars per year. This discrepancy often leads

Written by Anthony M. , insurance research contributor focused on auto insurance at Insurance Policy Authority. The auto insurance declarations page is the most important document in your car insurance policy, yet it is often the least understood. It is the page that determines how much financial protection you truly have, how claims will be paid, and how much personal risk you are retaining. While the full policy contains the legal language, exclusions, and conditions, the d

Written by Anthony M. , insurance research contributor focused on auto insurance at Insurance Policy Authority. Auto insurance savings are often portrayed as the result of aggressive comparison shopping, lengthy phone calls, or complex negotiations. While those approaches can sometimes help, there are also quieter, less obvious ways premiums can drift out of alignment with reality. One of the most common involves something many drivers rarely revisit: annual mileage. Auto ins

Written by Anthony M. , insurance research contributor focused on auto insurance at Insurance Policy Authority. Many drivers experience a moment of confusion when their auto insurance renewal arrives with a higher premium, despite no accidents, tickets, missed payments, or changes in driving behavior. The increase often feels personal, as though the insurer is penalizing the policyholder without justification. In reality, auto insurance pricing is rarely a reflection of indiv

Written by Anthony M. , insurance research contributor focused on auto insurance at Insurance Policy Authority. Car insurance is a legal requirement in most places across the United States, yet every year, some drivers choose to go without it. Whether it’s due to the cost of premiums, lack of understanding, or simply taking a risk, driving without car insurance exposes drivers to significant dangers—financial, legal, and personal. In this blog, we’ll explore the risks of driv

Written by Anthony M. , insurance research contributor focused on auto insurance at Insurance Policy Authority. Auto insurance is built on an assumption that doesn’t always hold up in the real world: that everyone on the road is carrying enough coverage to pay for the damage they cause. In theory, liability insurance laws are meant to ensure that if one driver injures another, the injured party can recover financially. In practice, that system has gaps. Uninsured and underins

Written by Anthony M. , insurance research contributor focused on auto insurance at Insurance Policy Authority. Deductibles are one of the least exciting parts of auto insurance, and yet they play a central role in how policies function. Most drivers know a deductible is the amount they pay before insurance steps in, but fewer understand why deductibles exist at all, or how they quietly influence premiums, claims behavior, and the stability of the insurance system. Deductible

Written by Anthony M. , insurance research contributor focused on auto insurance at Insurance Policy Authority. Most drivers interact with car insurance in a very personal way. You pay a premium, you expect coverage, and you hope you never need to file a claim. What’s easy to forget is that auto insurance does not function at the individual level. It works because millions of people are connected through a shared financial system built around one simple idea: pooling risk. Wi