Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Sep 25, 2020

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How Your Credit Score Affects Your Car Insurance Rates

You may not know be aware, but your credit score actually says a lot about you other than your financial habits. Insurance companies consider your credit rating to be a good gauge of how responsible of a person you are. Along with your education level, your choice of careers and quite a few other things, your credit score is a factor in how much you will pay for insurance coverage. Continue Reading

6 Largest Insurance Claims

If the risks are manageable, insurance companies will write coverage for almost anything. Sometimes, even when the risks have carefully weighed, a claim is made that hits the record books. Here is a short list of the 6 most expensive insurance claims ever filed, which will certainly make any claims you've filed yourself pale by comparison. Continue Reading

How Bankruptcy Affects Your Car Insurance Rates

Filing for bankruptcy can affect the rates you pay for auto insurance along with your other financial concerns. Because a bankruptcy affects your financial stability and because insurance companies look at your credit score to determine the risk of insuring you, filing a bankruptcy could have serious implications for your car insurance. Filing a bankruptcy is going to give you a bad credit score and a higher rate for car insurance is… Continue Reading

Car Insurance for 21-Year-Old Drivers

All drivers under the age of 25 fall into the highest risk group of all basic car insurance. Statistically, the lack of driving experience for young drivers translates into a higher risk of accidents, so insurance companies charge higher rates. There are some things you can do to reduce the cost of car insurance for a 21 year old, but time and good driving habits are the only way to get completely… Continue Reading

Switching Insurance Companies When You Have an Open Claim

You have the right to switch insurance companies any time you want. Even if you have an open claim with another insurance company, you can elect to switch your coverage. Keep in mind that your current claim will not transfer to the new insurance company, though, and your old insurer will still be the one that handles the claim until it is either settled or completely denied coverage. Continue Reading

3 Reasons Why Being Unsinured is Bad for Drivers

Car insurance is not an option, it is a necessity. If you have doubts about whether you need coverage, take a look at these three reasons why being uninsured is going to cause you problems. If the fact that being uninsured could cost you your driving privilege does not convince you to buy it, perhaps the threat of financial ruin will have a greater impact. Continue Reading

Defensive Driving Courses Can Lower Insurance Rates

One way to reduce the cost of car insurance is to take a driver improvement course. The idea, from the insurance company perspective, is that people who take an active interest in being better drivers are also going to be a lower risk, and since the company saves money, they pass the savings on to you. Defensive driving courses are not the only way to save money on car insurance, but taking… Continue Reading

13 Weird Driving Laws

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6 Ways to Invalidate Your Car Insurance

You may have wondered what it takes to get your car insurance thrown out. The fact is, once the policy goes into effect, the only legal method insurance companies have of dropping you is to identify areas in your application where you may have been less than honest. Simply put, your dishonesty is the insurance company's last resort if they want to drop your policy, and here are 6 of the most… Continue Reading

Improving Your Credit Score Can Lower Insurance Costs

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