Expert Advice for Actual Cash Value

All Questions on Actual Cash Value

What's the loan-to-value ratio on a car?
I was reading about car loans, and I discovered that the loan-to-value ratio is an important part of car loan approval. What is a car’s loan-to-value ratio?
Eric Schad
Dec 13, 2021
How do lenders determine the loan-to-value ratio of a car?
I read that the loan-to-value ratio is important for car loan approval, but I’m not sure what that means or how to calculate it. How do lenders figure out a car’s loan-to-value ratio?
Eric Schad
Dec 13, 2021
How do you value your car for car insurance?
I’m curious as to how I estimate the value of my car. How can I figure out the value of my car so that I know my insurance is getting it right?
Will Baldwin
Nov 29, 2021
How do I know if my car is totaled?
I was out for an off-road drive last night and crashed my car. Everyone is fine, but my car is pretty beat up. How do I know if it’s completely totaled?
Will Baldwin
Nov 23, 2021
How can I get a new car after a total loss?
My car was completely destroyed in a car accident recently. How do I get a new one from my insurance claim?
Liz Jenson
Nov 15, 2021
How much is my car worth for a title loan?
How can I calculate how much my car is worth when I’m taking out a title loan? I drive a 2015 Ford Fusion. I’d like to get a title loan, but I don’t know how much to ask for.
Liz Jenson
Nov 08, 2021
How do you track your car if it's stolen?
I went outside to get my car and it was gone! How can you track down a car if it’s stolen?
Emily Maracle
Oct 26, 2021
How do I trade my car when I still owe on it?
I still owe $2,000 on my car loan, but I'd like to get a new car. Can I trade my car in even if I still owe money on it?
Emily Maracle
Oct 26, 2021
What is a payoff on a car loan?
I was looking at my loan balance online and noticed something labeled payoff. It was a large amount, but I'm not sure what it means. What is a payoff quote for a car?
Emily Maracle
Oct 26, 2021
Can I trade in my Chevy Trailblazer if I still have a loan on it?
I want to trade in my old Chevy Trailblazer for a new one. Can I do this if I still have a loan?
Eric Schad
Oct 20, 2021
What are the steps to get a better interest rate on a Ram 1500?
I entered into a loan for my Ram 1500 hastily—now I’m stuck paying a high interest rate. Can I get a better interest rate, and if so, how?
Eric Schad
Oct 20, 2021
Do any companies refinance upside down car loans?
I have a massively upside down car loan with a high interest rate. Is there a company that will refinance my car at a more favorable rate?
Eric Schad
Oct 20, 2021
How can I check my car value for insurance?
How can I find out how much my car is worth for insurance purposes? I was in an accident and my car was deemed totaled by my insurance company. I want to know how much my insurance provider should give me for my vehicle.
Phoebe Mah
Oct 19, 2021
How does insurance decide to write off a car?
I got into an accident and my car is wrecked. I want to know whether my car is totaled or not. How does insurance decide to write off a car?
Emily Maracle
Oct 19, 2021
How much is my car worth in the eyes of my car insurance company?
I have full coverage insurance on my 2019 Chevy Malibu. I am wondering how much my car is worth to my insurance company? Would I get the total value of my car back if it's totaled?
Emily Maracle
Oct 18, 2021
How much does it cost to insure a kit car?
I'd like to build a kit car to replace my current car. I've heard insurance rates are different for kit cars. How much will it cost to insure a kit car?
Emily Maracle
Oct 18, 2021
Can the value of my car change the rate of my insurance policy?
The Blue Book value of my car is $5000, so why is my insurance so high? I need to keep comprehensive and collision coverage on a little longer, but the policy price seems off base.
Shannon Martin
Oct 14, 2021
How do car insurance companies determine a car's value?
I've read that insurance companies can low-ball offers for totaled cars. I'm a careful driver, but money is always tight, and although it's unlikely, I don't want this to happen to me! How do insurance companies determine the value of a car, and how can I make sure that an offer is genuine?
Eric Schad
Oct 12, 2021
How do I value my car for insurance?
I was in a car accident two weeks ago. I had to submit a claim and now I need to negotiate with my insurance company. What’s the best way to figure out what your vehicle is worth?
Emily Maracle
Oct 07, 2021
How do you dispute your insurance's car valuations?
Can you fight an insurance company over a totaled car? I got into an accident that totaled my car. I bought it for $20,000, but my car insurance company is only offering me $13,000. What do I do?
Emily Maracle
Oct 05, 2021
How is the actual cash value of your vehicle determined?
If my car is a total loss, how does my car insurance calculate the value of my vehicle?
Emily Maracle
Sep 10, 2021
Why does a dealership drop the price of a car if I finance with them?
I want to finance a car for $12,000 through the dealer because they said if I finance with someone else that the price jumps to $16,000. They're prepared to offer me a 60-month, 8.99% loan, as my credit is mediocre. How can dealers justify this price drop only if I finance with them?
Eric Schad
Jul 30, 2021
Why am I getting such drastically different quotes for the same manufactured home?
The coverage limits look the same to me; why would rates be so different? My manufactured home will be completed in a few days and I am shopping for the right kind of homeowner's policy. I have quotes from both Allstate and State Farm, and State Farm is drastically lower.
Shannon Martin
Jul 26, 2021
How will USAA value my Ford Mustang after an accident?
How will USAA evaluate my Mustang after an accident? I was at fault in an accident but I have collision insurance. This car has been my baby since I bought it and I want to repair it if possible, but I don't want to pay for it out of pocket.
Eric Schad
Jul 16, 2021
When is a good time to lower the coverage on my auto policy?
When is a good time to lower my coverage limits? My vehicle is a 2015 Jeep Compass and my policy limits are 100/300/50. I have had the same coverage on this policy since the day I bought the Jeep six years ago.
Shannon Martin
Jul 06, 2021

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