Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny ...

Car insurance costs are calculated with complex formulas. Here’s what really affects your premium and what you can do to influence the final number Written By Written by Insurance Senior Editor, Buy ...

The car insurance group your car falls into plays a big part in determining your car insurance premium. Find out more about car insurance groups, including how a car’s group is decided and the lowest ...

Telematics can offer good drivers a path to reduced rates ...

Full-coverage car insurance refers to a collection of coverages, including liability, collision and comprehensive car insurance. Contrary to popular belief, full coverage car insurance doesn’t cover ...

There’s a good chance that if you own a car, your insurance bills have climbed in recent years. The average cost of a full-coverage car insurance policy rose 12 percent over just the past year, ...

What exactly does car insurance cover? This is one of the most common questions we get, but the answer is surprisingly complex. It depends on the state where you live, what coverage you’ve chosen, who ...

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, ...