Insurance 101 — Car Discounts

On Tuesday, we talked about discounts based on personal factors. Today, I want to delve deeper into vehicle discounts. These discounts could be for pre-installed features of your car, or they could be features you can add. Similarly, depending on what make, model, or year your car is, you might qualify for auto insurance discounts.…

Insurance 101 — Personal Discounts

Auto insurance discounts are divided into three categories: driver discounts, vehicle discounts, and policy discounts. Driver discounts are based on factors such as your driving history, student status, professional organizations, age, and how you use your car. Vehicle discounts, on the other hand, are based on vehicle features that reduce your accident risks. Finally, policy…

Insurance 101: Deconstructing A Car Insurance Policy. Don’t be scared!

Insurance 101: Deconstructing A Car Insurance Policy. Don’t be scared!   There are three broad categories of protection in an automobile insurance policy: Liability Insurance Collision Coverage Comprehensive Coverage Liability Insurance –The Most Important Coverage…And Mandatory Liability insurance covers you in the event you are in a covered car accident and it is determined the accident…

Dirty Insurance Secret #2: Your Credit Score Has An OVERSIZED Impact on Your Car Insurance Rate.

Dirty Insurance Secret #2: Your Credit Score Has An OVERSIZED Impact on Your Car Insurance Rate. So why on earth should your credit score have anything to do with your car insurance rates? It’s not obvious… and is quite controversial. Nevertheless, insurance companies have discovered that credit-based insurance scores can accurately predict accident potential. Drivers…

Meet Uncle Jon, Insurance Hacker

Hi. I’m Jon Ansell. I’ve started and run national insurance companies for more than 20 years. That’s why I offered to help my 21 year old nephew buy auto insurance for his first car, a used Honda Accord. I haven’t shopped for car insurance in 20 years. Like most “Boomers”, I have an agent down the…