What you'll know by the end
Six short steps, each one the step before it plus one more thing to understand. Start at the beginning, or jump to the part you’re stuck on.
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What “full coverage” really meansThere is no such policy. Here are the parts that are, and what each one pays.
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What your state’s minimum leaves outWhat 25/50/25 means, and why the state minimum is a floor.
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What happens above the limitA quick tool to see the gap a serious crash can leave.
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Who pays when the other driver can’tAn estimated one in three drivers was uninsured or underinsured in 2023.
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Why your rate went upThe national numbers, and the costs behind them.
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What a total loss really paysThe car’s value, not your loan, and where gap insurance fits.
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How to lower it without losing coverageComparing like for like, real discounts, and the trade in tracking apps.
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What it actually costsWhy the averages disagree, and where regulators publish sample prices.
A guide, not a course
ShortEach step is one idea, one picture and a few lines. Nobody lectures you.
You steerStart anywhere, skip anything, come back to the part you are stuck on.
Something to trySee whether a limit would cover a serious crash, and whether you owe more than your car is worth.
Nothing to sign up forReading it asks for nothing: no name, no email.
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Six short steps. Start at the beginning, or pick the one you're stuck on.