Coverage Types & Policy Basics

Plain-English explanations of liability, collision, comprehensive, and other coverage types.

Gap Insurance: What It Costs and When You Actually Need It (2026)
Gap insurance costs $14-23/month through your insurer, or $400-700 as a one-time fee through a dealership. Here's when it's worth it and when it isn't.
How Car Insurance Deductibles Work (and How to Choose Yours)
A deductible is what you pay before your insurer pays a claim. Higher deductibles lower your premium — here's how to pick the right one for your savings.
How Much Car Insurance Do You Actually Need? A Coverage Checklist
State minimums are a legal floor, not a safe target. Use this checklist — and our free calculator — to size liability coverage against your actual assets.
Liability vs. Full Coverage Car Insurance: What's the Real Cost Difference? (2026)
Full coverage costs about $1,500 more a year than liability-only on average in 2026 — almost all of it goes to insuring your own car, not the other driver's.
No-Fault Car Insurance States: What PIP Actually Covers (2026)
About a dozen US states require Personal Injury Protection (PIP) coverage. See which states, what PIP actually pays for, and how no-fault differs from at-fault.
Car Insurance Coverage Types Explained: The Complete 2026 Guide
Liability, collision, comprehensive, PIP, and gap insurance all do different jobs. See what each one actually covers and what it costs in 2026.