Recalls, prices and rules for US car owners.
Auto loans, leasing, car insurance rates and the federal and state rules behind them, in plain English.
The federal price index for car insurance surged through 2024 and has started to fall, but premiums remain far above 2021 levels. Your own rate depends on your state, your car and how often you shop.
A total loss payout is based on what the car was worth just before the crash, not what you paid or owe. Here is how that number is built and how to push back.
Your lease contract already states what it costs to buy the car. Here is how to read that number, what gets added at the counter, and when a buyout makes sense against the car's market value.
How GAP coverage works, what it leaves out, why the dealer's version usually costs more, and how to claim a refund when you pay off the loan early.
When repossession can happen, the limits on repo agents, how to get your belongings or the car back, and what a deficiency balance is.
The deduction works whether or not you itemize, but only for new, personal-use vehicles with final assembly in the United States. Final IRS rules came out in September 2026.
Credit score is the biggest single factor in the rate a lender offers. Here are the latest averages by tier and what a dealer can add on top.
A lower rate can save real money on a car loan. Stretching the term to cut the payment can wipe out those savings.
When the other driver has no policy or a minimum one, your own uninsured and underinsured coverage is what pays. What it covers, where it is required, stacking, and uninsured rates by state.
State minimums cover the other driver, not you, and several states raised them in 2025 and 2026. Here is the full table and what the numbers mean.
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