Comprehensive insurance covers damage to your car caused by non-collision events such as theft, vandalism, natural disasters, or hitting an animal. Collision insurance, on the other hand, pays for damage to your car resulting from a collision with another vehicle or object, regardless of fault.

A deductible is the amount you pay out-of-pocket before your insurance covers the remaining costs of a claim. Choosing a higher deductible typically lowers your premium, but it means you'll pay more upfront in the event of a claim.

Yes, your landlord’s insurance only covers the building structure and not your personal belongings. Renters insurance protects your belongings from theft, fire, or other covered events and provides liability coverage if someone gets injured in your rented space.

If you have uninsured motorist coverage, your insurance will pay for your medical expenses and vehicle repairs. Without this coverage, you may have to pay out of pocket and pursue legal action to recover costs from the uninsured driver.

Yes, you can typically adjust your coverage or switch providers at any time. However, it’s important to check your current policy for cancellation terms or fees and ensure there’s no gap in coverage during the transition.

Many homeowners and renters insurance policies extend coverage to your personal belongings while you’re traveling, but there may be limits or exclusions. For additional protection, you may want to consider travel insurance.

Yes, in many states, insurers use credit scores as a factor to determine premium rates. A higher credit score often translates to lower premiums because it indicates financial responsibility.