Rates
Browse our articles about rates
Adding a Teen or Newly Licensed Driver to Your Policy
When a new driver has to go on your policy, how insurers treat them, and the discounts and coverage decisions worth raising before they start driving.
Read MoreHow Much Dwelling Coverage Do You Actually Need?
Coverage A should reflect what it costs to rebuild your home, not what it would sell for. Here is why those differ and how the limit drifts over time.
Read MoreWhat Changes When You Insure an Electric or Hybrid Car
Electric vehicles are insured under the same coverages as any other car, but the battery, the repair network and claim severity all behave differently.
Read MoreLife Events That Should Trigger an Insurance Review
Insurance is set once and then quietly goes out of date. These are the events that change what you need, and none of them reach your insurer on their own.
Read MoreState Minimum Liability Limits and Why They May Not Be Enough
What a state minimum actually represents, how split limits work, and what happens financially when a claim exceeds the coverage you carry.
Read MoreSafety Technology, Repair Costs and Your Auto Rate
Driver assistance systems reduce how often crashes happen while raising what each one costs to repair. Here is how that tension shows up in your policy.
Read MoreWill Filing a Claim Raise My Insurance Rate?
Sometimes, and it depends on more than whether you were at fault. Here is what actually drives the answer on both auto and home policies.
Read MoreHow Insurers Set Your Rate: The Factors Behind a Quote
What goes into an auto or home insurance rate, why two insurers quote the same person differently, and which factors your state may restrict.
Read MoreThis content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.