Sean Canonica

Sean Canonica

Sean has three years of experience writing about various auto, home, and renters insurance topics for RateSonic. He's produced over 100 articles, including company profiles, state guides, and evergreen content. Sean holds a Bachelor of Arts in English Language and Literature from the University of Washington. When he's not writing, he likes to travel, cook, and teach martial arts.

Articles by Sean Canonica:

What Is Pay-Per-Mile Car Insurance?

Don’t drive often? You could save a ton of money by switching to pay-per-mile auto insurance. Learn how it works and which companies offer it here.

Car Insurance for Used Vehicles

Are you looking to buy a used car? Learn more about what owning a used vehicle means for your auto insurance policy in this article.

What Is Full Glass Coverage?

Does your car windshield have a crack or other damage? Learn how full glass coverage pays to replace it without a deductible.

Insurance for Cars with Rebuilt Titles

You can insure a car with a reconstructed title, but special rules apply and coverage can be more expensive. Find out how rebuilt titles affect insurance and what companies cover them.

Maryland Car Insurance Guide

Discover auto insurance requirements, the best companies, and how to get the lowest rates in Maryland.

What Is the Claims-Free Discount?

Do you have a a clean driving record with no history of filing a single auto insurance claim? You could be eligible for the claims-free discount. Learn more about it here.

What Is Liability Car Insurance?

Most states require you to have liability car insurance. But how does it protect you? Read more to learn about liability coverage.

What Is Self-Insurance?

It’s possible to insure your own vehicles. Learn more about how self-insurance works and how to get it here.

How to File a Car Insurance Claim

Were you in an accident? You’ll most likely need to file a car insurance claim. Here’s how you can easily take care of it.

Missouri Car Insurance Guide

Discover auto insurance requirements, the best companies, and how to get the lowest rates in Missouri.

Best Car Insurance Telematics Program

It’s in everyone’s best interest if there are fewer car accidents. Nobody knows this more than auto insurers. To reduce accidents and encourage safer driving,

Best Car and Home Insurance Bundle

We researched the top insurers to find the best car and home insurance bundle. We ranked State Farm the #1 company to bundle insurance with, Allstate #2, and Nationwide #3.


Learn everything you need to know about Nationwide. Find out how you can save money with discounts like SmartRide and SmartMiles.


USAA exclusively provides auto, home, and renters insurance to military service members and their families. This guide will teach you all about USAA, including how discounts like SafePilot and Pay As You Drive can save you a ton of money.


Your shopping guide to Progressive auto, homeowners, and renters insurance. Learn more about how discounts like Snapshot and the Name Your Price Tool can lower your rates.


This is a complete guide to GEICO and its auto, home, and renters insurance products. Plus, learn how you can save money on car insurance with GEICO’s DriveEasy program.

Ohio Car Insurance Guide

Discover auto insurance requirements, the best companies, and how to get the lowest rates in Ohio.

What Is Renters Insurance?

When you rent, you want to make sure you protect yourself from damages. Renters insurance can help you do that. Here’s how it works.

What Homeowners Insurance Covers

Homeowners insurance is a great way to protect your home. But what does it cover? Read more about what home insurance covers here.

Replacement Cost vs. Actual Cash Value

If you lose your home to a disaster, your insurer can reimburse you for damages with either the replacement cost or actual cash value (ACV). Here’s how each works and which one is best.

Is Homeowners Insurance Required?

Home insurance is always a good idea. Most mortgage lenders will also require that you maintain a homeowners policy until you’ve paid off your mortgage. Find out if you need coverage here.

What Is the Paid-In-Full Discount?

Most insurers let you choose how you pay for car insurance, but you can get a discount if you pre-pay your entire premium in advance. Learn more here.

Homeowners Insurance Policy Basics

Home insurance is complicated. Learn everything about homeowners insurance policy basics to better protect your house when disaster strikes.

What Is a Paperless Billing Discount?

Is your desk cluttered with paperwork? Electronic invoicing can help you get organized and earn you a paperless billing discount on your car insurance. Here’s how to do it.

State Programs for High-Risk Drivers

It can be hard to get insurance as a high-risk driver. But some states offer programs to help you obtain it. Learn more about these programs here.

What Is the Anti-Theft Device Discount?

Many insurance companies offer an anti-theft device discount. Find out which car alarms, locks, and GP systems qualify and which insurers offer these savings.

What Is the Customer Loyalty Discount?

Customer loyalty discounts reward drivers with generous savings. Find out which insurance companies offer the best benefits for long-time policyholders.

Auto Insurance for Leased Cars

Are you planning to lease a car? You may need certain types of car insurance for it. Read more to learn what lenders require you to have.

What Is the Student Away at School Discount?

The student away at school discount saves families 5 to 10% on their auto insurance. To qualify, a driver on your policy must live at a college 100 miles from home without access to a car.

What Is the Multi-Car Discount?

Is there more than one car on your property? Insurers could give you a multi-car discount. Here’s how it works and how much you can save.

What Is the Good Student Discount?

Is a driver on your policy in high school or college? By maintaining a “B” average or better, you can get the good student discount on auto insurance.

What to Do If Your Car Is Totaled

Did you get into an accident? Your car might be a total loss. Here’s what to do next if your insurer declares your vehicle to be totaled.

What Is Accident Forgiveness?

Your driving record is important. Adding accident forgiveness to your policy can help protect it and keep your rates low. Here’s how it works.

Car Insurance for New Drivers

Insurance can be expensive for new drivers. But there are ways to lower your rates. Here’s how you can pay less.

How Much a DUI Will Cost You

Did you just get a DUI? It’s going to cost you a lot of money. Read more to learn how much you can expect to pay after an offense.

How Much Car Insurance Do I Need?

Car insurance is always a good idea to have. Most states require it. But how much do you need? Read more to learn how much coverage you should buy.

Why Is Car Insurance So Expensive?

Is your car insurance too expensive? There could be many reasons why it costs so much. Here’s why your rates could be high and what you can do about it.

What Is No-Fault Car Insurance?

No-fault auto insurance covers you and your passengers’ injuries. It doesn’t matter who caused the accident. Learn about it here.

What Is Gap Insurance?

Guaranteed asset protection, or gap insurance, can help protect you if your car gets totaled when you still owe money on an auto loan. Find out how it works here.

What Is Comprehensive Car Insurance?

Comprehensive car insurance protects your vehicle from theft and any damages from incidents other than collisions, crashes, or accidents. Learn more here.

Liability Insurance vs. Full Coverage

Most states require that drivers carry liability insurance. But there are instances where may also need full-coverage. Here are the key differences between them.

What Is Full Coverage Car Insurance?

Full-coverage means you have the three main types of insurance on your policy: liability, collision, and comprehensive. Learn more about it here.

What Is the Senior Driver Discount?

Some car insurance providers offer discounts for senior drivers. This article will show you which ones you might be eligible for.