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Non-standard Car Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 03/23/2017

Non-standard car insurance isn’t the lowest you can go.

Non-standard car insurance is not a good place to be, it’s not the worst place you can be, but it is not a good place. Non-standard insurance is the lowest level of acceptance in an insurance company before they just flat out tell you that they don’t want your business. This level is usually for those that have a number of car accidents, violations, and bad credit.  It can be a combination of two or more of these or just a really bad level of only one.

Non-standard car insurance policies are also treated differently by insurance companies:

  • They usually have different billing fees if you go with a payment plan
  • They have larger down payments at the time of new business
  • Different coverage options
  • Less optional/additional coverages available to be added to the policy

If you do get a non-standard car insurance policy it would be in your best interest to not do anything to add to your number of accidents or violations or do anything to decrease your credit score. If you do get worse in the car insurance company’s eyes they will DNR (Do Not Renew) your policy and you will end up in the assigned risk pool.  The assigned risk pool is where the government forces insurance companies to take on a certain number of clients that are considered uninsurable. The rates in assigned risk are astronomical and will make you miss the rates you were paying in non-standard car insurance.



What Does Comprehensive Car Insurance Cover?

Written by Michele Wilmonen. Posted in Research Last Updated: 04/04/2017

Comprehensive coverage is that confusing coverage that usually covers everything else that collision coverage doesn’t.

Comprehensive coverage is also know as “other than collision” coverage for a reason, it covers all of those “other” covered losses that cause damage to your car that are not collisions. For it to be covered under your collision coverage you have to actually collide with something, comprehensive covers things that happen to your vehicle like:

  • Hitting an animal
  • Hail damage
  • Civil disturbances
  • Theft of the vehicle (not of the contents, this is covered under your home policy)
  • Your car catching on fire
  • Vandalism
  • Falling Objects
  • Rocks falling from another vehicle while you are both driving
  • Windshield damage
  • Sandstorm damage

This list, of course, is just a small example of this different things that are covered under your comprehensive coverage on your car insurance policy. What comprehensive does not cover are things like normal wear and tear to your vehicle, maintenance issues or mechanical problems. If your car breaks down, your insurance company will not cover that.

Your insurance adjuster will usually tell you what your damages will fall under and hearing that your damages fall under comprehensive coverage is a good thing, as most car insurance companies don’t rate comprehensive claims as high as collision claims. In fact, some comprehensive claims aren’t even counted against you, at all.

As always, contact your car insurance agent if you have any questions about if a particular type of damage would fall under your collision or comprehensive coverage.

Comprehensive car insurance coverage

Comprehensive car insurance coverage


From our friends at Allstate.


State Farm Car Insurance

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 04/04/2017

Q: I Cxxxxxx Axxxxxxxx like switch my state Farm agent from Agent Rxxxxxx S Mxxxxx To Cxxxxx Sxxxxxxx Macclenny, as soon as possible.

A:  Another friendly reminder that we are in NO WAY affiliated with State Farm insurance. Car Insurance Guidebook provides car insurance advice, car insurance company reviews, and car insurance quotes only. Even if you do get a quote from us, once you purchase your car insurance policy your interaction about your car insurance needs to be directed to the company or agent that your policy is now service by. We have no access to your policy to be able to assist you.

If you are unhappy with your agent and want to switch car insurance agents (and stay with the same car insurance company), contact the agent that you want to move your policy to. Your new agent will have you sign papers (Broker of Record or Agent of Record change) to transfer your policy to their agency from your old agency. The process is fast and simple but has to be done by your new agent….NOT US. Your car insurance policy is a legal contract and because of this, there are certain procedures that have to be followed, like having your signature on the documents requesting that your car insurance policy be changed to a different agency.

If you want to switch your car insurance company, we invite you to use our quote aggregator at the top of the page to obtain quotes from other car insurance companies that may be a better fit for you.

Car Insurance Rates After an Accident

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 04/04/2017

Q: Was hit at a traffic light by a woman making an illegal left turn in a no-fault state. Had the right-away- will the insurance rates increase?

A: Every claim you file on your insurance policy has the potential to raise your rates, regardless of fault. A not-at-fault accident will have considerably less impact than an at-fault but still, will have the potential to impact.

There are a lot of factors that come into play when an accident goes on your car insurance policy and how an insurance company ultimately will rate for them. They look at who is at fault for the accident, what kind of accident it was, and how much is paid out. How much an accident will affect your rate will also depend on your age, your credit/insurance score, and what type of vehicle your drive.

Insurance is not an easy market to predict increases in because of how many factors go into determining how much you should pay for your car insurance. For example, a 20-year-old driver and a 40 year-old-driver could be in the exact same type of accident and drive the exact same vehicle, however, the 20-year-old will see a much larger increase than the 40-year-old. The reason for the difference is because of a formula that the insurance companies use to determine who or what is a higher risk and will have the most likelihood of the insurance company having to pay out a claim for them. They then charge the higher risk higher car insurance rates.

Another factor as to if your car insurance rates will increase is if your company offers an accident forgiveness program.

Your Car Insurance in Canada

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 04/04/2017

Q: Hello, I was wondering do you ha e to have full coverage insurance to drive thru Canada or can you have liability?? I heard you gotta have a thousand dollars on you to drive thru Canada is this true??


A: Well, not sure where you heard that you have to carry that much cash in Canada, but I am pretty sure that much is not true.  I have yet to be asked how much cash I have on me by the border guards as I am making my way across into Canada. I would be curious as to where you heard this and the rationale behind it.

As for your insurance, you have to have car insurance in Canada just like here in the U.S.. However, you DON’T have to have “full coverage”, you only need the required liability insurance.

In the past you used to need special car insurance cards to be able to drive in Canada, today all you need is your American car insurance cards. If you have any additional questions, best to ask your car insurance agent.

Now, if you were visiting our neighbors to the south (Mexico) that’s a different story. In Mexico, you have to have car insurance sold in Mexico. Your American car insurance will work for a certain number of miles in Mexico, but if anything happens it is really up to the Mexican authorities whether or not they are going to accept your car insurance, even if your car insurance company says they would cover you.

If they refuse to accept your car insurance, you could do jail time.

Car Insurance Guidebook Unravels the Car Insurance Mystery

Unless you work in the car insurance industry, the topic is probably a mystery to you. The words deductible, comprehensive, collision, liability, premium, loss of use and bodily injury are all gibberish when they reach your ears.

Unfortunately, insurance is something that you are required to have by law if you want to drive. Because of how confusing it is many people go around in almost an insurance daze while they get car insurance quotes from the auto insurance companies that they have heard of. In reality, they are completely lost as to what they are actually buying.

Instead of looking at what each insurance company offers in the terms of protection for both themselves and their car, they are instead looking for cheap car insurance. Finding the cheapest car insurance coverage makes having to buy the required product all that much less painful, but misses the whole point of having insurance.

Learning about insurance through your insurance agent or websites like Car Insurance Guidebook will give you the upper hand when you looking for car insurance. You can take your knowledge and not only find the best price for insurance, you can use it to find really great insurance to protect you and your assets. Then you aren’t stuck settling for just average car insurance that can hurt you financially if you ever need it because there isn’t enough protection.

For example, when looking for insurance the car insurance rates are just the first of many factors that need to be taken into account when you are shopping around for car insurance. You also need to take into account the type of vehicle that you are driving. Many people don’t know this.

Are you driving around a vehicle that is a new sedan and can be protected under any blanket insurance policy? Or do you have an old car that you fixed up that needs special protection and could be better covered under classic car insurance?

Don’t just assume that when you compare car insurance that it will be a one-size-fits-all policy. This is where the insurance knowledge will come in handy; you will know what you need to protect yourself and your vehicle.

You will understand what your insurance agent is talking about when they use insurance terms and you will actually be able to make an informed decision. This is much better for you instead of the “nod and smile” approach people take in their insurance agent’s office.

Also just like your life changes your insurance needs will change. This year you may just need to learn about the best deductible to have. Next year you may need to educate yourself on car insurance for young drivers. As the years pass, motorcycle insurance may be something you will need to know.

Many wise people say that you never stop learning, so take their advice and educate yourself on the insurance that you spend a lot of money on and can’t get away with not having.