The Decoded guides · Available now
Auto Insurance Decoded: The Guide Your Insurance Company Should Have Given You
Thirteen short chapters that walk your policy front to back: what each coverage does, what it costs, what happens when you need it, and the questions to ask before you renew.
What's inside.
- Liability
What pays others if you cause a crash, how to read split limits, and why your state's minimum is a floor, not a plan.
- Collision
What it pays for your own car and how the deductible works.
- Comprehensive
"Other than collision," translated: theft, hail, deer, and flood.
- UM / UIM
The coverage that protects you when the other driver can't pay, and why a low limit leaves a gap.
- PIP & med pay
Medical coverage for you and your passengers after a crash.
- Your Dec page
How to read the one page that says what you're actually covered for, line by line.
- How pricing works
What actually sets your rate.
- After an accident
What to do at the scene, how a claim works, and what your coverage pays.
Who it's for.
Written for the person paying the premium, not for insurance professionals.
You're about to renew
Read it before the renewal notice and go into the call knowing which limits to ask about and what each change would cost.
You've never read your policy
If "I guess I'm covered" is the honest answer, this turns your declarations page from a table of codes into something you can explain.
Something just changed
A new car, a new driver in the house, or a first accident. Each one changes what you need, and the book explains each coverage so you can see what to adjust.
We sell books, not policies.
PolicyLector is independent of every insurer. We are not licensed agents or brokers, we take no referral fees, and we never sell leads or client data. The book helps you understand your options; your agent helps you choose.
The Decoded guides are updated every year with fresh data, current regulations, and revised state requirements. How we research and verify.
The rest of the series.
One kind of insurance per book, $9.99 each. Each one follows the same plan as the auto guide.
Read the free articles first.
All thirteen articlesCoverage basics
Liability and gaps
Saving money
Life changes and claims
State rules and beyond your policy
Questions about the book.
What does Auto Insurance Decoded cover?
Thirteen short chapters that walk your auto policy front to back: liability, collision, comprehensive, uninsured and underinsured motorist, PIP and med pay, your declarations page, how pricing works, and what to do after an accident. Each one explains what the coverage does, what it costs, what happens when you need it, and the questions to ask before you renew.
How much is it, and what formats are there?
$9.99. It is sold on Amazon in Kindle and paperback editions. The current version is the 2026 edition.
Is the book updated?
Yes. The Decoded guides are updated every year with fresh data, current regulations, and revised state requirements.
Does PolicyLector sell insurance?
No. PolicyLector sells books, not policies. We are not licensed insurance agents or brokers, and nothing in the book is insurance advice. It helps you understand your options so you can have a better conversation with a licensed agent.
Can I try PolicyLector for free first?
Yes. The Dec Page Analyzer gives you a free plain-English report on your own declarations page, and thirteen articles on the blog cover many of the same topics as the book.