Insurance information · education only
Insurance, read like a dashboard.
Free, plain-language guides to how insurance policies are built, what the numbers mean, and what tends to move a price. No quotes. No sales calls. Just the basics.
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The guides
All guidesLiability, collision, comprehensive
Most policies are built from a few core coverages. Once you can tell the three main ones apart, a policy stops looking like a wall of text.
Read 02Reading · 5 minYour declarations page, line by line
The declarations page is the one-to-two page summary at the front of a policy. It is the quickest way to see what you actually bought.
Read 03Numbers · 4 minDeductibles and limits
Two numbers do most of the work on an insurance policy. One is what you pay first. The other is the most the insurer will pay.
Read 04Costs · 6 minWhat goes into an insurance price
Two neighbors with similar cars can pay quite different amounts. Here are the usual ingredients, without any numbers or promises.
Read 05Be ready · 5 minAfter a fender bender
A minor crash is stressful. A short checklist you already know can make the next hour easier.
ReadWarning-light words
Full glossary- PremiumWhat you pay for the policy period.
- DeductibleWhat you pay first on a covered loss.
- ExclusionSomething the policy says it will not cover.
- EndorsementA change or add-on to the standard policy.
- LimitThe most the insurer will pay for a loss.
- ACVActual cash value: worth of a car just before a loss.
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