Most drivers assume their insurance rate is a simple reflection of their driving record. Stay accident-free, avoid tickets, and your premium should behave.But insurers don’t see it that way. Your car itself, not just how you drive it plays a bigger role in your rate than many realize. And...

Switching auto insurers is one of the simplest ways to save money, but it’s also a process where small missteps can create big headaches. A missed date, an overlooked document, or a misunderstanding about coverage can lead to higher premiums or worse, a lapse that affects your driving record. Before...