Sean Canonica

Sean Canonica

Sean has three years of experience writing about various auto, home, and renters insurance topics for RateSonic. He also writes extensively about personal finance and investing on ComparisonAdviser, a financial services comparison website. 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 Auto Glass Coverage?

Does your car’s windshield have a crack or chip? Learn how full auto glass coverage pays to replace your windscreen without a deductible.

Does Car Insurance Cover Water and Flood Damage?

Dive into the complexities of flood and water damage on your vehicle. Our article explores how auto insurance acts as a financial lifeguard, ensuring your car stays afloat in unforeseen aquatic challenges.

Insurance for Cars with Rebuilt Titles

You can insure a car with a rebuilt title, but special rules apply and coverage can be more expensive. Find out how a rebuilt title affects 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.

Defensive Driving Course Insurance Discount

Completion of an accredited defensive driving course can lower your rates. GEICO, State Farm, and other top insurance companies offer driver safety class discounts of 5 to 15% . Read more here.

What Is the Claim-Free Discount?

Everyone wins if you never need to use your auto insurance to cover medical bills or vehicle repairs. Insurers encourage this behavior from policyholders by offering a claim-free discount.

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.

Does Insurance Cover a Stolen Car?

Cars are stolen every day. Find out how auto insurance protects your investment and what coverages safeguard you from vehicle theft.

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.

What Is Actual Cash Value in Car Insurance?

Was your car declared a total loss? Your insurer will usually pay you for its actual cash value (ACV). This is the amount your vehicle was worth before it was totaled. Here’s how it works.

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 which company offers the best car and home insurance bundle package. We ranked State Farm #1, 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?

Renters insurance: What it is and why you need it. Learn how this coverage protects your belonging and shields you from liability as a tenant. Here’s how it works.

Types of Homeowners Insurance Policies

Home insurance isn’t one size fits all. Each homeowners form offers a different level of protection or is intended for a specific property ownership situation. Find out which type you need and what it covers.

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.

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?

Many major auto insurers offer discounts for paying your premium in full before the policy period begins. Find out which companies offer these savings and how much you can save.

Homeowners Insurance Policy Basics

Protecting your home starts here. Explore homeowners insurance basics and ensure your property is protected from unforeseen risks.

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.

How to Report an Accident in Each State

Most car accidents must be reported to authorities in a timely manner. But each state has it’s own laws and regulations about crash reporting. Find out what your state requires here,

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 anti-theft devices 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 loyal and long-time policyholders.

How Coverages and Higher Limits Affect Rates

Auto insurance is a requirement in most states. How much protection you buy is mostly up to you. But adding additional coverages comes at a cost. Find out why the amount of coverage you buy is an important rate factor.

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.

What Is Umbrella Insurance?

Some accidents can go over your liability limits. Without an umbrella policy, you may need to pay for it. Here’s how these policies work.

Car Insurance for New Drivers

Car insurance for new drivers can be expensive. But there are ways to lower your rates when it’s your first time behind the wheel. Here’s how you can pay less for the coverage you need.

How Much Does a DUI Cost?

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 carry the three main types of auto insurance on your policy: liability, collision, and comprehensive. It’s not cheap but most drivers prefer the piece of mind that comes with knowing their car is fully protected.

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.