Bill Banks

How Much Car Insurance Do You Actually Need? [2025 Cost Guide]

How much insurance do you really need for a used car? This becomes important since the average bodily injury liability claim hit $26,501 in 2023. Some states require minimum bodily injury liability coverage of just $15,000. This creates a huge financial risk for drivers who get into serious accidents. The true costs of accidents play […]

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How to Dispute Fault in a Car Accident Report: Expert Guide [2025]

Getting your fault disputed in a car accident report can be tough in Washington DC. The city follows a modified ‘no-fault’ approach and has some of the strictest liability laws nationwide—the contributory negligence rule. Police officers sometimes record incorrect fault information. Insurance companies view these details as objective facts they can trust. Wrong information in

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Are Dash Cams Worth It? Real Money-Saving Benefits in 2025

Many drivers are asking themselves if dash cams are worth the investment as road safety and financial protection become bigger concerns. AAA reports show road deaths jumped 17% above pre-pandemic levels, leading to 17,000 more fatalities than expected from May 2020 to December 2022. On top of that, insurance fraud hits U.S. consumers hard with

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Best Auto Loans for Bad Credit: Hidden Secrets Banks Don’t Tell You [2025 Guide]

The most important financial decisions you’ll make is getting an auto loan with bad credit. Deep subprime borrowers pay interest rates of 14.78% for new cars and 21.55% for used vehicles, according to Experian’s recent data. A $30,000 new-car loan over 60 months could cost borrowers with the lowest credit scores an extra $9,000 compared

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Auto Insurance for Seniors: Hidden Discounts After Age 55 (2025 Guide)

Seniors can get cheaper auto insurance rates once they hit 50-55 years old. Many insurance companies start giving special discounts to older drivers at this age. Drivers aged 50-80 pay about $1,644 yearly ($137 monthly) for car insurance, but these rates can drop by a lot through discounts that many seniors don’t know about. MoneyGeek’s

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7 Vehicle Service Contract Reviews: What Dealers Won’t Tell You (2025)

The reality of vehicle service contracts paints a concerning picture. Statistics show 39% of consumers must borrow money to pay for a $400 car repair. The numbers get worse with 59% struggling to handle a $1000 repair bill. Most consumers learn about coverage gaps after it’s too late. Vehicle service contracts don’t cover basic wear

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Do I Need a Lawyer for a Car Accident? Critical First Steps [2025 Guide]

Car accidents seriously impact about 13,000 people in Texas each year. Many victims ask themselves if they need a lawyer after such incidents. The numbers paint a stark picture – Texas accidents injured more than 255,000 people in 2019. This is a big deal as it means that the economic impact tops $75 billion yearly.

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The Truth About Bundling Auto and Home Insurance: Hidden Money-Saving Secrets

Customers can save 10% to 25% on their insurance premiums by bundling their auto and home insurance. The savings are substantial – a typical policyholder who pays $5,000 yearly could put up to $1,250 back in their pocket through bundling. A 20% discount over ten years could save you $5,000 just by combining these policies.

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Are You Paying Too Much for Car Insurance? Hidden Signs Revealed [2025 Guide]

Most Americans pay too much for car insurance without knowing it. Forbes reports that full-coverage car insurance costs $2,150 a year on average nationwide. Rates can range anywhere from $1,412 to $3,233. These rates have jumped by nearly 50% over the last several years since 2020. People who switch their auto insurance providers often find

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