Author name: momentum

It’s one of the first questions parents ask when their teenager gets a license: do they need their own car insurance policy, or can they just be added to mine? The short answer is that in most cases, adding your teen to your existing policy is the right move. But there are some situations where […]

If you own and register a vehicle in Pennsylvania, the state requires you to carry car insurance, but the rules around minimums, no-fault coverage, and tort options can get confusing fast. Here’s a breakdown of exactly what you need to know. Is Pennsylvania a No-Fault State? Yes. Pennsylvania requires you to have Personal Injury Protection

If you’ve recently added a teen driver to your policy, you’re probably looking for any way to bring that premium back down. One option you’ll hear about often is driver’s education. But does it actually reduce your insurance costs? The short answer is yes, though the details matter. Why Insurers Care About Driver’s Ed Insurance

If you’ve ever shopped for car insurance or reviewed your policy closely, you may have come across the term “excluded driver.” It sounds straightforward, but the implications are bigger than most people realize. Here’s what it actually means and why it matters. What is an Excluded Driver? An excluded driver is a person in your

The day your teen gets their driver’s license is a big milestone. Exciting for them, maybe a little nerve-wracking for you. Adding a 16-year-old to your policy can push the average parent’s premium from around $3,184 a year up to roughly $7,699, nearly a $4,500 jump. That’s actually more than what the average driver with

When shopping for insurance, people assume the only way to buy a Progressive policy is online or through a call center. While those options exist, working with an independent insurance agency can offer advantages that go far beyond a simple quote. If you are considering Progressive coverage, partnering with an independent agency like The Kind

Collision coverage is the part of your auto insurance policy that helps pay to repair or replace your own vehicle after an accident, regardless of who is at fault. While it isn’t required by law, it can be one of the most valuable coverages on your policy if your car is damaged in a crash.

Liability auto insurance is the foundation of most car insurance policies—and in most states, it’s legally required. But while many drivers know they “have to have it,” fewer understand what liability coverage actually does, what it doesn’t cover, and how much they really need. At its core, liability auto insurance helps protect you financially if

Updated: January 1st, 2026 Home insurance is a crucial safety net for protecting your most valuable asset—your home. It provides financial coverage for unexpected events like natural disasters, theft, or accidents, but how much does it cost? The average cost of home insurance in the U.S. varies depending on your location, home value, and coverage

New York State offers more than 10,500 miles of snowmobile trails, maintained by local clubs and funded in part through registration fees and a dedicated trail fund. However, before you throttle up and hit the snow, it’s important to understand how snowmobile insurance works in New York and what is legally required to stay protected

Snowmobiling is a popular winter activity in Pennsylvania, with hundreds of miles of public trails and scenic backcountry routes to explore. But it’s important to understand your insurance obligations and how to protect yourself financially if something goes wrong. This guide walks through Pennsylvania’s snowmobile insurance requirements, what typical coverage looks like, and some real-world

When lightning strikes a home, it can cause serious damage in a matter of seconds. Everything from electrical fires to destroyed appliances and structural harm. Even if the strike isn’t immediately obvious, the electrical surge alone can damage wiring behind walls and ruin electronics throughout the home. Knowing what steps to take in the minutes

Turning 60 is a big milestone. And for many, it’s a time to rethink financial security. If you’re in your 60s, you may be wondering if life insurance still makes sense, and if so, what type of coverage is best. The good news: there are plenty of options designed to fit your stage of life

Many people are hesitant to buy insurance through an independent agency because they assume it costs more. But is that the case? Typically, no. Agents are not charging extra fees or marking up policies to the consumer. They’re actually paid by the insurers they work with, not by you. That means you can get expert