Guides

Guides

ValuePenguin provides answers to your key questions related to insurance, credit cards, and other personal finance topics. 

Who Has The Cheapest Auto Insurance Quotes in Lubbock, Texas?

The cheapest insurer for both minimum and full coverage in Lubbock, Texas, was Fred Loya. Minimum coverage costs $905 per year. Read More

Average U.S. Savings Account Balance 2021: A Demographic Breakdown

American households with savings accounts have a median balance of $5,300 and an average balance of $41,700, according to analysis of data... Read More

Top Companies with Car Insurance Discounts for Nurses

Car insurance discounts for nurses are offered by a few major insurers. Some come through organizations such as the American Nurses... Read More

Average Credit Card Interest Rates

These are the average credit card interest dates for about 200 credit cards from more than 50 issuers. Read More

Car Insurance Rate Increases with a Speeding Ticket: by Company

A speeding ticket will raise your car insurance rates in almost every situation. How much your insurance costs go up depends on your... Read More

Average Commercial Real Estate Loan Rates for 2021

Currently, the average commercial real estate loan interest rate ranges from approximately 4% to 5%. Find out more about what the average... Read More

Nationwide SmartMiles Pay-Per-Mile Insurance Review: Is it Worth It?

Nationwide SmartMiles is a pay-per-mile auto insurance program from Nationwide. It's a widely available option that's worth considering if... Read More

How Much Are Marriott Points Worth in 2021?

We evaluate Marriott Bonvoy point values each year to note any positive or negative changes. Read on for our Marriott points valuation for... Read More

Average Credit Card Debt in America: 2021

We break down statistics regarding average credit card debt in America, carving the data by state, age, income, education level, race and... Read More

Checking Account Number: What It Is and Where to Find It

Checking Account Number: What It Is and Where to Find It Read More

3 Steps to Get an Anonymous Car Insurance Quote

Getting an anonymous car insurance quote is a tricky if not impossible task. You may avoid giving a social security number or VIN, but you... Read More

The Southwest Rapid Rewards Shopping Portal: How Does It Work?

Besides flying Southwest Airlines, you can easily earn bonus points on your online shopping purchases through the Rapid Rewards Shopping... Read More

International Travel and COVID-19 Testing

The new international testing requirement presents novel challenges making travel much more difficult — but not impossible. Here's what you... Read More

What's the Difference Between a DWI vs. DUI?

DWI and DUI are terms for drunk driving violations that in some states denote different levels of consequences. States such as Texas and... Read More

Average Credit Score in America: 2021 Report

We break down the average credit score in America by age, income, geography and homebuying. We also break down credit score ranges. Read More

What Are Current SBA Loan Rates in 2021?

Loans provided by the U.S. Small Business Administration (SBA) offer some of the best rates among all small business financing options.... Read More

Stacked vs. Unstacked Insurance? When to Combine Uninsured Motorist Coverage

Stacked insurance is combined uninsured or underinsured motorist coverage across multiple policies or within one auto policy with multiple... Read More

How Does Tort Insurance Work? Full vs. Limited

Tort car insurance allows policyholders to sue the at-fault drivers and their insurers for pain and suffering, in the event of a car... Read More

Average Small Business Loan Interest Rates in 2021: Comparing Top Lenders

The average interest rate for small business loans will vary based on the type of loan product, the lender and your qualifications as a... Read More

W2 vs. W4: What’s the Difference?

If you've had to apply to a new job recently, chances are you've heard about W-2's and W-4's. But what exactly are these documents? Click... Read More

SBA Disaster Loans: What You Need to Know

If you've been affected by a declared disaster, you may be eligible to apply for a disaster loan from the SBA. Click to read more about... Read More

What Is Agreed Value Insurance? How Does It Differ From Stated Value?

Agreed value insurance is a form of specialized coverage for expensive property, often classic, antique or modified cars. Specialty... Read More

Best Cheap Car Insurance for Married & Unmarried Couples

Both married and unmarried couples can save on auto insurance through multi-car and multi-policy discounts, but married couples generally... Read More

GM OnStar Insurance: Cost and How it Works

ValuePenguin compared the cost of OnStar's auto and homeowners insurance with competitors. Click to read more. Read More

How to Change or Cancel a Delta Air Lines Flight

You can modify your Delta flight on the website or app in just a couple of clicks, with the potential of bypassing some of its change or... Read More

Detailed Guide to American Airlines Partners

Knowing how to leverage American Airlines partners can help you earn and redeem AAdvantage miles and gain incredible value. Read More

How Much Car Insurance Rates Vary by State

The national average rate for a car insurance policy is $937 a year, but state laws cause rates to vary significantly. Michigan had the... Read More

Does Car Insurance Go Down at Age 25?

Car insurance does go down at 25, but not as dramatically as it does at other one-year intervals. Twenty-five-year-old drivers can lower... Read More

Drunk Driving Statistics

View drunk driving stats by state, age, road type, time of year, along with how a DUI effects the cost of car insurance. Read More

Distracted Driving Statistics - Crash Data for Texting & Cellphone Usage

Distracted driving is a general term, but it usually means the driver isn't fully paying attention to the road. It can include things like... Read More

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