Insurance Articles

SmartFinancial is here to offer advice and assistance on any of your tough insurance questions.

Auto Insurance

Teens and Driving, an Expensive and Risky Combination

There’s no denying that teens have the highest insurance rates around. The following are some FAQs about how a teen affects your car insurance rate and how you can get your teen on the road, cheaply, safely and legally.

Home Insurance

Moving Out of State - What Do I Do About Insurance?

Let’s look a little more deeply into the different kinds of insurance you have and whether or not you need to switch insurers.

Auto Insurance

Should I Buy Gap Insurance? What Is it, Anyway?

Your car’s value is based on Kelley Blue Book numbers, which may surprise you. In fact, you may find out that you have what’s called “an upside-down loan” on your car.

Auto Insurance

Do I Need Collision Insurance?

Always think about worst-case scenarios when making insurance decisions. Only you know what you can and cannot afford to do if you cannot use your car any more.

Home Insurance

What’s Not Covered in a Homeowners Insurance Policy

We’ll first tell you what a homeowners insurance policy protects you against and then go over add-on homeowners coverages that you should seriously begin considering to ensure that you are covered in all kinds of perils.

Auto Insurance

Do I Need Comprehensive Insurance?

Clearly, collision insurance covers a car wreck of some sort, but what’s the real definition of comprehensive insurance when the word “comprehensive” cannot possibly mean that it covers everything?

Auto Insurance

Can You Add an RV to Your Auto Insurance?

Most agents will try to sell you specialty RV insurance but are you required by law to have it?

Renters Insurance

How to Find the Cheapest Renters Insurance Rate

Comparison shopping usually results in a savings of several hundred dollars a month!

Life Insurance

Do I Need to Buy a Life Insurance Policy for My Children?

It’s important to note that there is a savings component to permanent life insurance (but not term life insurance), which is the main reasons most parents take out a policy in the first place.

Auto Insurance

17 Ways to Lower an Auto Insurance Rate

Many factors are pushing rates over the roof, but that doesn’t mean that you can’t try to lower your auto insurance premiums today.

Renters Insurance

What Does Renters Insurance Cover?

Tenants wrongly assume that any loss would be covered by the landlord’s insurance but it's renters insurance that would cover a claim for personal belongings.

Health Insurance

Special Qualifying Events for People Who Still Don’t Have Health Insurance

Here are some of the more common reasons you may qualify for enrolling in a healthcare plan late in the game.

Life Insurance

When is the Best Time to Buy a Life Insurance Policy?

Here are some quick facts about buying life insurance, which may help you decide if you need to buy life insurance for yourself or a loved one today or if you can stand to wait a few years.

Commercial Insurance

What Is General Liability Insurance? How to Buy Business Insurance

Most businesses have general liability insurance because accidents happen. They happen even more the bigger your company is.

Home Insurance

How Do You Switch a Homeowners Insurance Policy?

Many homeowners stick with the first home insurance policy they sign onto because they feel stuck. Why? Because their homeowners policy feels tied to their mortgage when it’s not.

Auto Insurance

Breaking News: Gender No Longer to Determine Auto Insurance Rates

California just joined six other states in banning gender as a factor in determining car insurance rates.

Auto Insurance

How Much Does it Cost to Own a Car?

The average car owner keeps a car for about 10 years. So, what does that mean for the average cost of owning a car?

Auto Insurance

Manual vs Automatic: What You Need to Know Before You Buy

The Manual vs Automatic debate has been raging ever since cars with automatic transmissions were created. Here are the pros and cons of both.

Auto Insurance

Car Insurance Calculator: See How Much You Can Save

Use this calculator to see to see what discounts you might be eligible for and how much you could save with going with a different carrier.

Auto Insurance

How Much Insurance Do You Need?

Ever wonder how much car insurance you actually need in your state?

Auto Insurance

DUI calculator: How a Night Out Drinking Affects Your Blood Alcohol Level

See how a night of drinking affects your blood alcohol level and how that compares to the legal limits in your state.

Auto Insurance

Three Secrets to Finding the Best Auto Insurance

Follow these 3 simple steps to find the best coverage and insurance rate for yourself and your family.

Auto Insurance

20 Reasons to Get a New Auto Insurance Quote

There are numerous factors that can impact your auto insurance rate.

Auto Insurance

Car Insurance Statistics & How to Save in Your State

What you need to know before you compare rates.

Renters Insurance

10 Reasons Why You Should Buy Renters Insurance

Here is what you should keep in mind If you rent a apartment, condo, townhome or single family home.

Commercial Insurance

11 Things to Consider When Buying Commercial or Business Insurance

If you are a business owner, you will need to make sure that you have an adequate amount of business insurance to protect both your personal and business interests.

Home Insurance

How to Protect Your Home

What you need to know about home insurance claims and how to find the best coverage at the best price.

Life Insurance

What You Need to Know About Life Insurance

How life insurance works and how to find the best rate.

Auto Insurance

11 Mistakes People Make When Shopping for Auto Insurance

When we shop for insurance, we should take our time and make sure that we are making the best possible decision.

Auto Insurance

12 Things You Can do to Lower Your Auto Insurance Premium

Drivers assume that there is nothing they can do to lower their insurance premium, this is not true.

Commercial Insurance

8 Tips for Lowering Your Small Business Insurance Premium

Quick and easy tips that every business owner should be doing.

Health Insurance

25 Things to Know When Looking for a New Health Insurance Plan

The more informed you are when selecting a new health insurance plan, the better decision you will make for yourself and your family or dependents.

Life Insurance

25 Questions to Ask When Buying a Life Insurance Policy

Once you make the decision to buy life insurance, selecting the right life insurance company and plan is extremely important. Here are some things to remember.

Home Insurance

7 Reasons Why Homeowners Should Obtain a Home Insurance Quote Every 2 Years

Obtaining the optimal level of insurance, without overpaying, should be a homeowner’s objective. Here are 7 things to keep in mind.

Auto Insurance

10 Auto Insurance Tips for Parents of Young Drivers

What your young driver does, while driving your car, has a direct impact on what you pay for your insurance.

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