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 ...

Learn how split limits in auto insurance define maximum payouts for bodily injury and property damage to better understand ...

As more drivers go uninsured or raise deductibles to cut costs, collision shops continue to see a shift toward out-of-pocket ...

Learn what a car insurance premium is, how it's calculated, and tips to reduce your costs. Discover ways to get the best car insurance rates.

Learn about Umbrella Insurance, including its definition, the reasons to consider it, and get tips on how to manage it.

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John Egan is a veteran personal finance writer whose work has been published by outlets such as Bankrate, Experian, Newsweek Vault and Investopedia. Michelle is a lead editor at Forbes Advisor. She ...