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Author: Scott Boren

What is GAP Insurance and Do I need It?

Written by Scott Boren on . Posted in Car Insurance 101.

What is GAP Insurance and How Does it Work? Gap insurance is another optional coverage you can purchase to get more protection from your auto insurance policy. It’s also commonly referred to as loan/lease payoff coverage. This coverage applies if your car is stolen or deemed a total loss and your loan amount is more than your vehicle’s worth – also known as the gap. Gap...

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What is Comprehensive Coverage?

Written by Scott Boren on . Posted in Car Insurance 101.

What is Comprehensive Insurance Coverage? Just like Collision coverage, Comprehensive insurance (sometimes referred to as “Other than Collision”) is an optional coverage you can add to your auto insurance to pay for repairs to your car for very specific types of hazards. Comprehensive insurance covers damage to your car that is caused by events that are out of your control. For...

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How Does Car Insurance Work

How Does Car Insurance Work? The Guide You Never Knew You Needed

Written by Scott Boren on . Posted in Car Insurance 101.

How Does Car Insurance Work? The Guide You Never Knew You Needed So your car needs insurance. Congratulations, you’ve just been initiated into one of America’s most common financial necessities. But fear not, fellow road warrior – understanding how car insurance works doesn’t require an advanced degree in actuarial science (though insurers might prefer you believe...

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What is Collision Insurance Coverage?

Written by Scott Boren on . Posted in Car Insurance 101.

What is this Collision Coverage on My Policy? When purchasing auto insurance, you’ll have the option to select many other coverages designed to help you repair your own car after an accident. One of these options is Collision coverage. Collision helps pay to repair or replace your car if it’s damaged in an accident with another vehicle or stationary object (eg. a tree, fence, or...

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What is Liability Insurance Anyway?

Written by Scott Boren on . Posted in Car Insurance 101.

What is Liability Insurance and Do I Really Need It? When you buy auto insurance, you’re actually buying auto liability insurance. In fact, generally speaking, the liability coverage of your policy is the only form of car insurance that is required. For the most part, the other coverages are optional. So, what is liability insurance? Well, auto liability insurance is the coverage that...

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How Do Auto Insurance Deductibles Work?

Written by Scott Boren on . Posted in Car Insurance 101.

How Do Auto Insurance Deductibles Work? For many of us, we only marginally understand our insurance policy deductibles. So, it may be a good time to talk about auto insurance deductibles and how they work. Frankly, it’s a pretty common question, but luckily an easy question to answer. An auto insurance deductible is the portion of a claim you pay “out of pocket.” Or, insurance...

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What Impacts Your Car Insurance Price?

Written by Scott Boren on . Posted in Car Insurance 101.

What Impacts Your Car Insurance Price? If you get a quote from an insurance agent or online, you are always asked very specific questions. These questions are used to gather the variables that underwrite and price your car insurance. Now, there are many misconceptions about car insurance, and a lot of that has to do with how it’s priced. So, if you’ve ever wondered what actually...

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What is the Average Cost to Raise a Child?

Written by Scott Boren on . Posted in Personal Finance.

What is the Averge Cost to Raise a Child? When you consider having children and starting your family, you’ll likely think about many things, most obvious among those would be timing, your monthly budget and concerns over the newborn’s health. What you may not think about is the average cost of raising a child from birth to year 18. Regardless if you’re already expecting or merely in the...

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Tips to Avoid Thanksgiving Day Home Cooking Fires

Written by Scott Boren on . Posted in Family, Lifestyle & Home.

Avoid Thanksgiving Day Home Cooking Fires with These Tips When it comes to home insurance claims, the two biggest hazards are fire and water. So, Thanksgiving is a big “hold your breath” moment of the insurance industry because the holiday produces a bunch of home cooking fires. In fact, according to the National Fire Protection Association (NFPA), Thanksgiving ranks as the leading day for...

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Tips to Choosing Your First Motorcycle

Written by Scott Boren on . Posted in Adventure.

Tips for Choosing Your First Motorcycle There is absolutely no single motorcycle that is perfect for everyone. That’s as true for veteran riders as beginners. Heck, there are so many brands, types, styles, and sizes – it’s simply difficult to choose. Honestly, it’s much easier to help you know if you need to buy motorcycle insurance. But if you’re in the market to buy your first...

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