Car insurance, explained from mile zero
Mile Zero is an independent guide to US car insurance for people buying a policy for the first time. It is published and edited by Mario L.: no experience assumed, every term defined, and no insurance products sold.
What we do — and what we don't
Mile Zero publishes plain-English guides to coverage types, pricing, buying a first policy, and the decisions new drivers actually face. It is not an insurance company, agency, or broker. It does not sell policies, take commissions from insurers, or rank insurance companies.
The site avoids universal prices and discount promises. Insurance costs and requirements vary by state, driver, vehicle, insurer, and policy wording. Where a rule varies, the guide should say so and point readers to an official source or their own policy.
How we work
Mario L. publishes, edits, and maintains Mile Zero. The aim is narrow: answer the practical questions a first-time US car-insurance buyer faces, while making it obvious which details depend on a state, insurer, or individual policy.
- menu_bookResearch first. Guides start with regulator and government material: the National Association of Insurance Commissioners, state insurance departments and DMVs, and federal agencies where relevant. Sources are listed at the end of each article.
- checklistOne useful question at a time. Each article should solve a distinct reader problem, define unfamiliar terms, and avoid padding. If two pages answer substantially the same question, they are combined rather than kept for search traffic.
- verified_userChecks before publication. State-specific statements are qualified, numerical claims need a traceable source, and the final wording is compared with the cited material. Mario L. is responsible for the publication decision and corrections.
- updateDates mean what they say. “Published” is the first public date. “Updated” is shown only after a substantive change. Mile Zero does not label an old publication date as a recent review.
- balanceIndependent scope. Advertisers do not choose topics or conclusions. Guides do not make “best” or “cheapest” insurer claims. A personal coverage decision should be confirmed with a licensed professional or state regulator.
- infoEducational, not personal advice. Mile Zero is not licensed to sell insurance, and its general explanations are not financial, legal, or insurance advice.
About the publisher
Mario L. is the publisher and editor of Mile Zero and the named author of its guides. He is not an insurance company, broker, or licensed insurance agent. His role is to research official consumer material and turn it into a clearer starting point for new drivers.
Read the full author and publisher profile. Mile Zero is not owned by or tied to an insurer. Advertising supports the site but does not determine its conclusions.
How the site makes money
Some content pages may display advertising served by Google AdSense. Advertisers have no input into articles, and an ad is not an endorsement. Read the fulladvertising disclosure.
Corrections
If something is wrong, Mario L. will check the cited source and correct the article. Substantive changes receive an “Updated” date; minor spelling or formatting fixes do not. Spotted something off? Email hello@milezeroguides.com.
New here?
The Start Here path takes you from zero to insured in five short steps.
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