Insurance Guides

Plain-English answers to common car and home insurance questions.

• Minimum Car Insurance Requirements by State (2026)
  What car insurance you're legally required to carry in each U.S. state — liability limits explained, plus no-fault and SR-22 basics.
• SR-22 Insurance Explained: What It Is and Who Needs It
  An SR-22 is a state-required proof of insurance, often after a DUI or serious violation. Here's how it works and how to keep costs down.
• How Much Is Car Insurance? What Actually Drives Your Rate
  Car insurance prices vary widely by ZIP code, driving record, vehicle and coverage. Here's what moves your rate and how to pay less.
• How to Lower Your Car Insurance: 9 Proven Ways
  Practical, no-nonsense ways to cut your car insurance premium without dropping protection you actually need.
• Home Insurance Basics: What It Covers (and What It Doesn't)
  A plain-English guide to homeowners insurance — the main coverages, what's excluded (like floods), and how to get an accurate quote.