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With medical payments coverage, you may be able to get faster coverage to help pay any medical bills you or your passengers face after an accident. Your health insurance might pay, but many health care plans have high deductibles and copays that can stretch your finances before the insurance settlement with the at-fault driver is reached.

Rhys has been editing and writing for Bankrate since late 2021. They are passionate about helping readers gain the confidence to take control of their finances by providing clear, well-researched information that breaks down otherwise complex topics into manageable bites.

Identity theft often goes far beyond the initial monetary losses. When a fraudster uses your credit card to buy an airline ticket, you can cancel the card and request a new one. Oftentimes, the credit card company will reimburse you for any monetary losses, following a short investigation. But other types of identity theft can cause serious (sometimes lasting) damage to your finances and credit rating. You may have to hire an attorney to help restore your credit standing or to fight civil judgments that could result from fraudulent accounts opened in your name.

Lenders that offer 0 percent financing are known as captive finance companies and are linked to the auto manufacturers themselves. Some examples of captive lenders include Ford Motor Credit, GM Financial, Nissan Finance, Toyota Financial Services and more. So, if Ford wants to sell more F-150s due to overstock issues, it might offer zero APR loans to select borrowers through its own financing arm.

Using an auto finance calculator can help you compare 0 percent financing versus bonus cash incentives. Sometimes taking the cash rebate an auto dealer offers along with a higher loan APR yields better overall savings. In other instances, 0 percent financing might be the clear winner.

As you can see, on a $25,000 car loan through the manufacturer for four years, your monthly payment would be about $520. A $25,000 car loan financed over five years at a 4 percent interest rate requires a monthly payment of $460. You can use an auto loan calculator to do the math for your prospective loan.

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