According to the 2019 nationwide survey by J.D. Power, wind, hail, fire, lightning, water damage and freezing were the leading causes of property damage in the United States. Most of these events are uncertainties that we have no control over. Of course, nobody wishes to experience any of them; but

What Determines Your Auto Insurance Rate?
Auto insurance, also referred to as car insurance or vehicle insurance, is a risk management tool designed to protect cars, trucks, motorcycles, and other road vehicles. It is an agreement between a policyholder and an insurance company. The purpose is to provide financial coverage against loss or damage arising from