Clear-headed guidance for modern drivers
Skip the sales pitch. We explain how auto insurance actually works, from the algorithms setting your rates to the coverage that fits your situation. No commissions, no agenda, just analysis.
Get the NewsletterHow insurers actually calculate premiums. The variables, the models, the math you never see.
When higher deductibles make sense. When they don't. Frameworks for your situation.
Telematics, connected cars, and digital claims. What it means for your rates and privacy.
Industry trends, regulatory shifts, and economic factors that shape your options.
Coverage types, policy structures, and when bundling actually saves money.
Long-term approaches that consider lifetime costs, not just this year's premium.
The mathematical models insurers use to price your coverage. What they measure, how they weight it, and what you can influence.
Continue readingModern cars generate extensive data. Here's what gets shared, who sees it, and the insurance implications you should know.
Continue readingA practical framework for calculating whether raising your deductible makes financial sense. With the math laid out.
Continue readingAnalysis and frameworks delivered to your inbox. No fluff, no sales pitch.
Every article draws from data, industry research, and actuarial principles. No speculation dressed up as advice.
We don't sell insurance. We don't take commissions. The only thing here is information you can use.
Insurance isn't simple. We explain the mechanics without dumbing it down or glossing over the nuance.