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What to Do if Your Car Insurance is Canceled
July 2, 2015
What to Do if Your Car Insurance is Canceled

You reach into your mailbox and retrieve a letter from your auto insurance company. It says you and your car are being kicked to the curb.  That’s right — you’re being hit with a car insurance cancellation. “What am I going to do?” you ask…

The auto gap insurance dilemma at the dealership: Take the coverage or leave it?
June 9, 2015
The auto gap insurance dilemma at the dealership: Take the coverage or leave it?

While you’re signing a stack of paperwork in the dealer’s office and eyeing the set of keys to your brand-new ride, your salesman asks if you’d like to add another $500 to your final tab for something you’ve never heard of called “auto gap insurance.”…

Being A Loyal Auto Insurance Customer Can Cost You
May 17, 2015
Being A Loyal Auto Insurance Customer Can Cost You

Many companies reward their most loyal customers with incentives, discounts and freebies. But in car insurance, the opposite can actually happen. A driver can be punished with a higher premium just for being loyal to the company. It’s called price optimization, and it happens to…

No secrets: What insurers know about you and how they use your personal data
April 22, 2015
No secrets: What insurers know about you and how they use your personal data

Before they decide how much you have to pay for your auto insurance, carriers probe deep into your background to determine how likely you are to file claims. Most consumers would be surprised to learn how much personal information is available to insurers, says Amy…

Will I really save on auto insurance as soon as I turn 25?
April 20, 2015
Will I really save on auto insurance as soon as I turn 25?

If you’re a driver under 25, you’ve probably heard of the money magic that’s supposed to happen when you reach the quarter-century milestone, such as being able to rent a car at a standard rate — without young-driver surcharges. Another big plus of hitting the…

Should You Bundle Your Insurance Coverage?
March 30, 2015
Should You Bundle Your Insurance Coverage?

Maybe you saw an ad on TV touting cost savings associated with bundling insurance — purchasing multiple policies, such as for home and auto, through the same company — or your insurance agent suggested it. “Usual discounts are about 5 to 20 percent depending on…

Best Insurance Moves for April: Spring Cleaning for Your Insurance
March 24, 2015
Best Insurance Moves for April: Spring Cleaning for Your Insurance

As you’re tackling dust bunnies and cluttered closets in your spring cleaning, don’t forget your insurance policies. They may need to be dusted off and refreshed, too. Reviewing and adjusting your insurance coverage is an important part of overall financial planning. Here’s what to look…

Price Optimization Allegations Challenged, NAIC Investigating Practice
March 23, 2015
Price Optimization Allegations Challenged, NAIC Investigating Practice

By Don Jergler | December 18, 2014Reaction to industry-wide price optimization allegations from a consumer group known to call out insurers has been somewhat critical yet guarded – however it appears regulators may already be starting to look into the practice.Consumer Federation of America this…

TOTALly worth the effort
February 27, 2015
TOTALly worth the effort

If your car is damaged in an accident to the point where repairs would cost more than the car is worth – it’s a “total loss.” Your, or the other driver’s insurance company, is supposed to offer you the actual cash value of your car.…

Insurance Commissioner notifies insurers to cease illegal pricing
February 19, 2015
Insurance Commissioner notifies insurers to cease illegal pricing

SACRAMENTO, Calif. – Insurance Commissioner Dave Jones today issued a notice to all property and casualty insurers doing business in California advising them that so-called “price optimization” in ratemaking is unfairly discriminatory and violates the law.Price optimization is used by insurers to set rates based…

Divorce and auto insurance: Splits boost cost
February 2, 2015
Divorce and auto insurance: Splits boost cost

If your marriage or domestic partnership ends, get ready for a possible hike in your car insurance premium. People often get discounts of up to 5 percent just for being part of a couple, says Jim Armitage, an insurance agent in Arcadia, Calif. That’s because…

Buying the Right Auto Insurance for Your Teen Driver
August 28, 2014
Buying the Right Auto Insurance for Your Teen Driver

When parents of a teen first watch their baby take the wheel, they may be too busy seeing the years flash before their eyes to focus on insurance for the family’s newest driver. Putting a new teen driver on the road can be scary —…

Finding the best car insurance for teens
August 20, 2014
Finding the best car insurance for teens

When parents of a teen first watch their baby take the wheel, they may be too busy seeing the years flash before their eyes to focus on insurance for the family’s newest driver. Putting a new teen driver on the road can be scary —…

Can Technology Disrupt The Consumer Insurance Market?
July 15, 2014
Can Technology Disrupt The Consumer Insurance Market?

In the late 1980s – before there was a Web – I had the privilege of working for the late great attorney Gene Anderson, hero of corporate policyholders, scourge of insurance companies. I was his ghostwriter – on legal briefs, articles, and the occasional speech…

Lyft your limits?
June 24, 2014
Lyft your limits?

People who live in neighborhoods where it’s been hard to get a cab are cheering the era of Uber and the rise of Lyft (pardon the pun). Getting stood up by a cab that was supposed to drive you to the airport? Hauling yourself out…

2014 Car Insurance by Credit Score Report
June 19, 2014
2014 Car Insurance by Credit Score Report

Everyone knows that auto insurance is mandatory (except in New Hampshire). Furthermore, we know that our credit scores dictate the types of loans and credit cards for which we can garner approval. But when it comes to the connection between credit scores and car insurance,…

Auto insurance: Downshift with caution
October 21, 2013
Auto insurance: Downshift with caution

For the average driver, premiums are up 23% over five years vs. 7% for overall inflation. A 40-year-old man now typically pays $1,510 and up to $2,700, says Insure.com. Perhaps you’re thinking that if you just drive down your limits a bit, or switch to…

DON’T BOTHER…DO BOTHER
August 5, 2013
DON’T BOTHER…DO BOTHER

When buying rental car insurance: Don’t bother checking the “yes” box and paying for Collision Damage Waiver (CDW) coverage if you’ve got a credit card that offers that same coverage. Most credit cards provide that insurance to their cardholders free of charge as long as…

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