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Why your car premium jumps 40% at renewal (and how to fix it)
The loyalty penalty is banned. Insurers found other ways. Here's the 5-minute counter-move.
Read →The library
Everything below is written by humans who have read every US policy document so you don't have to. No affiliate SEO fluff. No 'top 10 insurers of the year'.
Featured · this week
If you own a home, have kids, or share rent with someone who'd struggle without your income — this is the only thing you need to read this month.
Read the MOT →The loyalty penalty is banned. Insurers found other ways. Here's the 5-minute counter-move.
Read →The most under-bought policy in the US. Also the one that pays out fastest.
Read →A blunt flowchart. Two paths. Answer four questions and stop guessing.
Read →Why 'cheaper' cover levels are priced higher — and how to game the quote.
Read →Most people guess $15k. The real US average is around $35k. Here's a room-by-room shortcut.
Read →One is cheap and finite. One is not. Here's when each makes sense.
Read →Not much for years 1–2. A lot after year 5. Protect it before you protect the car.
Read →Yes, if you didn't declare 'business use'. Here's how to fix it without paying triple.
Read →Almost always yes. Almost nobody does. Here's the 12-minute version.
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