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Cars and Auto Insurance

The Future of Auto Insurance and Driverless Cars

    3 minute read

    Google is famous as the world’s most used search engine, for its Google Earth mapping system, Gmail, and many other things that you can bring up on your computer or portable device. Google has recently been investing in a multitude of companies to increase their umbrella. One of its most talked about projects at the moment is its driver-less car.

    Once your destination has been set in the car you can read a book, watch a tv show, or even sleep while the car delivers you to the destination. There is an option to override the Google car system but when you do that, watch out; the only times these cars have ever been in an accident were when a human was driving it. Every mile driven without a driver has been a safe one. Google is not alone in the quest to build a driverless car. BMW, Toyota, Nissan, and General Motors are also developing self-driving cars, though Google appears far ahead of others.

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    How Will Driver-less Cars Affect the Future?

    More than 90 percent of all auto accidents result from driver error. It might be due to drowsiness, distracted driving, or other reasons, and inventors are hard at work trying to end needless fatalities with smart cars. Right now, in 2014, cars come with possible life-saving technology that detects problems and avoids accidents. It is only a matter of time before the driver is gone from the equation.

    Read More »The Future of Auto Insurance and Driverless Cars

    The Cheapest (and Most Expensive) Cities for Missouri Auto Insurance

      3 minute read

      Why do they call Missouri the Show Me State? Maybe it is because there are so many things to show people. A driver in Missouri might say, “Show me a resort getaway like Branson, a college town like Columbia, or a government hub like Jefferson City. Show me northern towns like St. Joseph or Hannibal. Show me southern cities like Springfield or Cape Girardeau. Show me BIG metropolises like Kansas City to the west or St. Louis to the east. Then show me all types of land from rich, agricultural farms to the Mark Twain National Forest to the mighty Mississippi River.”

      And the driver would be able to see all of those places without leaving Missouri. Assuming that he or she had the proper auto insurance, of course.

      Is Missouri Auto Insurance Expensive or Inexpensive?

      State law requires all drivers in Missouri to have two types of auto insurance. The first kind is liability insurance with minimum limits of $25,000 bodily injury per person, $50,000 bodily injury per accident, and $10,000 property damage. The second is uninsured motorist insurance with minimum limits of $25,000 bodily injury per person and $50,000 bodily injury per accident.

      Missouri auto insuranceRead More »The Cheapest (and Most Expensive) Cities for Missouri Auto Insurance

      What Do People Really Think About Usage-Based Auto Insurance?

        3 minute read

        Usage-based insurance is one of the biggest innovations the auto insurance industry has seen in quite some time. The question is – will it catch on with Americans?

        Here’s the idea: you place a little device (which usually plugs into a fuse port under your dashboard) in your car that reads data from your vehicle’s on-board computer. It collects information on your driving time, mileage, speed, acceleration, braking, and similar categories. This data is transmitted to the insurer, who sets your insurance rate based on your actual driving behaviors, rather than estimating it based on what your peers do. As a result, many people can potentially save a great deal of money on their auto insurance policies.

        Do American Drivers Like Usage-Based Auto Insurance?

        On paper, it sounds like a great idea. What do regular Americans think?Read More »What Do People Really Think About Usage-Based Auto Insurance?