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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?

    Move It, Slowpoke – Or Get A Ticket!

      3 minute read

      It’s pretty well-known that excessive speed is one of the most common factors found to cause motor vehicle collisions. That’s why states, counties, and cities tend to crack down on people who are driving too fast by issuing speeding tickets.

      But what about the other end of the spectrum? Is it possible to drive too slow on a roadway?

      Absolutely. And many states are now starting to target slower drivers, too.

      Read More »Move It, Slowpoke – Or Get A Ticket!

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

        3 minute read

        There are so many different things that make Michigan unique. Like the fact that it’s split into two parts. Or its vast expanse of forests, lakes, and rivers. Or that it’s the birthplace of Motown, the U.S. auto industry, and the Peace Corps. But if you have to get from the LP to the UP and back again, or drive anywhere along Michigan’s roads and highways, then you have to have auto insurance.

        Is Michigan Auto Insurance Expensive or Inexpensive?

        Everyone in Michigan is required to maintain basic no-fault auto insurance, which pays for injuries you sustain in an accident regardless of who is at fault. This insurance is made up of personal injury protection, property protection, and residual bodily injury/property damage liability insurance. This latter policy must have minimum limits of $20,000 bodily injury per person, $40,000 bodily injury per accident, and $10,000 property damage.

        Read More »The Cheapest (and Most Expensive) Cities for Michigan Auto Insurance

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

          3 minute read

          The precious state of Georgia is the perfect place for peanuts, pecans, and peanuts. From the grandeur of Stone Mountain to the tradition of the Masters golf tournament to the bustling city of Atlanta, Georgia is full of beauty and Southern charm. And you can see it all by car on the state’s miles of highways and other roads.

          Is Georgia Auto Insurance Expensive or Inexpensive?

          But before you do that, you have to obtain auto insurance, because state law prohibits you from driving without it. Georgia’s minimum liability insurance limits are $25,000 for bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage. Compared to other states, Georgia is generally in the middle of the pack when it comes to what drivers actually pay for auto insurance policies at around $1,090 per year.

          Read More »The Cheapest (and Most Expensive) Cities for Georgia Auto Insurance

          New Jersey’s Point System Explained

            3 minute read

            The state of New Jersey is a great place to live and work. But there are some things about the driving experience which may strike outsiders as a little weird. For one thing, you can’t pump your own gas; you must let an attendant do it for you. State law requires you to honk your horn before passing, even though drivers rarely do so. And you aren’t allowed to get a personalized license plate if you’ve had your driver’s license suspended within the past two years.

            Read More »New Jersey’s Point System Explained