root insurance review — Root Insurance is a tech-driven auto insurer headquartered in Columbus, Ohio. Founded in 2015, the company uses smartphone telematics to price policies based on actual driving behavior. Root is available in 36 states plus Washington D.C. as of 2026. The company holds about 0.4% of the U.S. auto insurance market. However, … Read more
Table of Contents What Collision and Comprehensive Insurance Actually Cover Collision vs Comprehensive: Cost Breakdown and Deductibles How to Decide Which Coverage You Need Frequently Asked Questions Collision vs comprehensive insurance are two optional coverages that protect your vehicle in very different ways. Many drivers confuse them or assume they are the same thing. However, … Read more
Table of Contents What MedPay and PIP Actually Cover MedPay vs PIP: State Requirements and Costs How to Choose the Right Coverage Frequently Asked Questions MedPay vs PIP is one of the most common questions drivers ask about auto insurance. Both coverages pay your medical bills after a car accident. However, they work very differently. … Read more
shelter insurance review — if you live in the Midwest or South, this regional insurer deserves a closer look. Shelter Insurance has been protecting drivers since 1946. The company is headquartered in Columbia, Missouri. It operates in 15 states across the heartland. Shelter holds roughly 0.5% of the national auto insurance market. However, its regional … Read more
Table of Contents What PIP Actually Covers State Requirements in This PIP Insurance Guide How to Choose the Right PIP Coverage PIP vs MedPay and Bodily Injury Liability Common PIP Insurance Guide Mistakes to Avoid Frequently Asked Questions PIP insurance guide readers often start with one question: what does Personal Injury Protection actually cover? PIP … Read more
This kemper insurance review examines a specialty auto insurer that serves drivers other companies often turn away. Kemper holds roughly 0.6% of the U.S. auto insurance market. However, its reach extends far beyond that number in the non-standard segment. The company specializes in high-risk drivers, SR-22 filings, and minimum-coverage policies. For example, drivers with DUIs, … Read more
Table of Contents How Underinsured Motorist Coverage Works Why State Minimums Leave You Exposed What Underinsured Motorist Coverage Costs and Who Needs It How to Get the Right Underinsured Motorist Coverage Frequently Asked Questions Underinsured motorist coverage protects you when the at-fault driver’s insurance isn’t enough to pay your bills. According to the Insurance Research … Read more
mercury insurance review — Mercury Insurance has been around since 1961. Founded by George Joseph in Los Angeles, it now operates from Brea, California. The company holds roughly 0.7% national market share. However, it dominates in California with about 7.2% of the state’s auto market. Mercury insures over one million vehicles in California alone. This … Read more
safeco insurance review — is this Liberty Mutual subsidiary worth your money in 2026? Safeco has operated since 1923 and now serves drivers in all 50 states. The company holds roughly 0.8% of the U.S. auto insurance market. However, a major change is underway. Liberty Mutual announced in March 2025 that the Safeco brand will … Read more
Table of Contents Gap Insurance Explained: How It Actually Works Who Needs Gap Insurance and What Does It Cost? How to Buy Gap Insurance the Smart Way Frequently Asked Questions Gap insurance explained in simple terms: it covers the difference between what you owe on your car loan and what your car is actually worth. … Read more