Like everyone else, I hate paying for car insurance.   You know how it is – you fork over a substantial sum year after year and most of the time have nothing to show for it.  My wife and I were paying almost $1700 a year to insure our two cars – one five years old […] Read More

Life insurance is critical once you enter into certain stages of life. If you have a house, student loans, children, are married, or are in a myriad of other situations, life insurance is something that protects your most precious asset, your life. It’s very obvious, but many people neglect to draw the simple conclusion that […] Read More

In July of 2021, as seems to occur every few years, a hail storm did significant damage to roofs throughout Central Indiana.  It is only natural, when observing hailstones, to wonder if the roof of your house was damaged, particularly if you hear your neighbors say they had damage and their insurance companies are paying […] Read More

What it is Inland marine insurance provides coverage for property that is not and cannot be permanently affixed to a single location. This insurance can cover property in transit but can also extend to many other types of property. Inland marine insurance developed out of ocean marine insurance, which was derived from the original method […] Read More

We’ve all been there. Standing in the endless line at the rental car counter thinking, “when he asks me if I want the insurance, just say no.” But, is that the best choice? Do you know enough about your own insurance policy, and what is in the rental car company’s policy to confidently say no? […] Read More

Workers Compensation Insurance is intended to pay for the medical payments of employees who sustain work-related injuries. This could be an employee who sprains their wrist while tripping in the office, or something more serious, such as forklift injury. In any case, worker’s compensation insurance is designed to make sure that an employer can take […] Read More

Over the past few years, personal insurance companies have started to come out with a few new coverage options. From the first meeting, they seem to be great assets, and I think they’ll continue to prove themselves to be. However, don’t let these fade out some of the old coverages. New Coverage’s Utility Line Coverage […] Read More

If you ever access the internet in the course of your business, you are vulnerable to ransomware. For the few of you who may not be aware of what ransomware is, here is an example. One day, while working on your computer, a message pops up telling you that all the files on your computer […] Read More

In a 43-4 decision, the United States Senate voted to pass House Bill 1070. Effective 7/1/20, the legislation replaces the existing ban on texting and driving, which to this point has been deemed unenforceable.” Are you now allowed to text and drive? Quite the contrary. In the past, the ban on texting and driving was […] Read More

With many public pools remaining closed this summer due to COVID-19, more homeowners are considering building or purchasing a pool. If this is you, check with Capitol to ensure your coverage B, other structures coverage, is enough to repair or replace your pool if it is damaged by a covered loss. (e.g. falling tree that […] Read More

Seeing your child go off to college can be a hard experience, especially if this is your oldest child. Seeing them drive off or walk up to their freshman dorm brings back a flood of memories. This should be a time to enjoy good memories and look forward to future memories, not to be worried […] Read More

Most agreements/contracts have “insurance requirements” or something similar that required you, the insured, to have certain coverages in place. These contracts typically request this coverage to be shown on a declarations page or what is called a certificate of insurance (COI). Because it is inconvenient to print the declarations page of every policy, Capitol Insurance […] Read More

If you are like most people, you probably fall into one of two categories. Either you are completely unaware that the maintenance of the service lines that run to your house is your responsibility or you are aware and as a result have purchased a home service line warranty. Did you know that service line […] Read More

A recent jump in the price of certain precious metals has caused an increase in catalytic converter thefts. Catalytic converters, which convert your cars pollutant gas into less harmful ones, are one of the easiest car parts to steal. If you notice a loud rumbling sound as soon as you turn on your engine, your […] Read More

According to one survey we have seen, a business loses $7 off its bottom line for every dollar they collect from an insurance company.  For that reason alone, it is important that businesses do all they can to reduce or prevent insurance claims. The most common claim we see on business insurance policies (other than […] Read More

Have you ever seen the movie ‘Twins’ with Danny DeVito and Arnold Schwarzenegger? Just imagining those two as twins brings about a good laugh. But, it would be great in real life. If Danny needed something from the top shelf, his twin Arnold would be right there to help. If Arnold needed something from a […] Read More

Coronavirus, or COVID-19, has impacted our lives in many ways that may result in permanent change. Many people are still reluctant to recommence their pre-COVID-19 life, or have come to enjoy the convenience of the many delivery services that popped up while we all have had to stay at home. Thus, grocery and restaurant food […] Read More

Society changes faster than insurance policy language.  New things come along never imagined by those who wrote insurance policies, and therefore, sometimes those policies don’t provide coverage.  Such is the case with the motorized scooters that can be rented in Indianapolis, and many other cities. Anyone renting one of these scooters might look to either […] Read More

Churches in the United States are not exempt from the effects of a litigious society. In fact, churches face a unique exposure to litigation as religious organizations have started to become somewhat of a target for those who may disagree with its message. Add to that the children’s programs, community outreach events, reliance on volunteer […] Read More

So your car is on its last leg, literally. It only has one good tire left, very little braking power, bad steering control, the AC doesn’t work anymore, and it’s leaking oil. You decide it’s time to let old ‘Thunder’ go out to pasture and find a new KITT (the car from Knight Rider). Now […] Read More

And they lived happily ever after, until her diamond fell out of the ring, never to be seen again! This can be a scary situation. You spend thousands of dollars on a beautiful ring with a crystal clear diamond that you know she will adore, only to lose it like Leonardo DiCaprio kept losing Oscars. […] Read More

Have you ever had someone show up at your door offering you the deal of a lifetime? It’s not uncommon for someone to show up at your door, offering their services for home repairs, pest control, paving work, etc. While some door-to-door contractors are just trying to make an honest living, a little healthy discretion […] Read More

To most of us, the adjuster is the person that is making it difficult for us to collect what we believe our insurance company owes us. The person who is trying to inflate the company’s profit by not paying claims they should. I’ve been around the business for over fifty years, and I’ve met a […] Read More

Hitting a parked car. Either you have experienced this or know someone who has. Whether you were the one that hit the parked car or your car was hit, it’s never fun! It also raises some questions about coverage. If you hit someone’s car, what is your responsibility? If your car is hit and there […] Read More

We have all been there. Running 10 minutes late, driving with our knee while simultaneously putting on our seatbelt and fussing with google maps, trying to figure out if we need to merge east or west. Or, maybe you come to a stoplight and think to yourself, “this is a good time to return that […] Read More

If your home is burglarized, what is the first thing the thief would look for? Unquestionably, it’s jewelry. People with extensive jewelry collections are at a higher risk for theft. Therefore, homeowners’ policies have a limit on how much coverage is provided under the basic policy. But people who want or need more coverage can […] Read More

One of the most easily overlooked areas of a commercial insurance policy is in regards to auto insurance. “But Adam, my business doesn’t own any vehicles” one might object. Here lies the problem. Most of us assume that because the vehicle is not owned by the business, that it creates no exposure for the business. […] Read More

Whether you believe that COVID-19 (Coronavirus) is serious or it will all blow over, it impacts everyone’s peace of mind. In light of the growing cancellations, postponements, and travel disruptions, you may have insurance questions. Does your commercial or church insurance provide any coverage for losses as a direct result of COVID-19? One thing to […] Read More

“Go therefore and make disciples of all nations, baptizing them in the name of the Father and of the Son and of the Holy Spirit, teaching them to observe all that I have commanded you. Matthew 28:19-20 This is the last command that Jesus gave his disciples recorded in the book of Matthew. Across the […] Read More

Pet insurance is relatively new to the insurance world. We’ve been covering your business and personal belongings for years, but covering your pet? Come on, that’s crazy, right? Actually, it may not be as crazy as you may think. Several insurance companies have started to offer plans to cover your four-legged friend. Surprisingly, coverages can […] Read More

Insurance companies that insure businesses and nonprofits spend a good deal of money and time with loss control – the practice of trying to prevent future losses. Loss Control – The practice of trying to prevent future losses. The process usually begins with a representative visiting an insured and inspecting their property and procedures. Often […] Read More

None of us want to be involved in a claim. We all hope to be lucky enough to avoid a car accident, house fire, an employee lawsuit, a slip and fall at our office, etc. However, the reality is that many of us will find ourselves in these types of situations, and it’s important that […] Read More

We have all seen the commercials. Just sign your name and drive away in a new car. Sometimes it’s on a lease, and sometimes it is financing with nothing down. Either way, although it’s a great way to obtain the car, it could present a big problem for the buyer. As we know, new cars […] Read More

So you’ve finally done it! You started your own company. You’ve dissected your markets and know what demographics to target, researched how your product or service should perform, obtained necessary capital, networked with important providers and potential partners and clients, researched your IT needs and purchased the needed equipment. You’re ready, but it seems like […] Read More

Have you ever been caught in a thunderstorm without an umbrella? I have! I don’t mind being caught in a storm if I can go inside and change my clothes. No harm done. However, if a storm caused me to show up soaking wet to a meeting, or forces me to sit in soaking wet […] Read More

You just had a claim! That’s never fun, but hopefully, you purchased the right type and amount of insurance to cover the loss. One of the worst feelings, in my opinion, is waiting in the ‘unknown zone.’ You’re not sure of an answer that could help or hurt you and being forced to wait to […] Read More

I’m not old enough to be a Grandpa, right? Certainly, my friends would agree, wouldn’t they? Nevertheless, I find myself already with two granddaughters and a grandson on the way. How thrilling! This brings great excitement, but can also bring insecurities. Insecurities over their future health, their faith in God, and the trials they’ll face […] Read More

It is very interesting to me how we have seen a shift in culture over the past decades. Not all of this shift is bad though. It drives innovation, entrepreneurship, freedom in the market and helps to prevent monopolies. However, this shift has some consequences as well. It forces certain suppliers to cut on quality, […] Read More

Did you know that many businesses that have a major fire never re-open? This is in spite of the fact that they had insurance on their building and contents? The reason being that they do not carry Business Interruption Insurance. The fact is that insuring the income stream of a successful business is just as […] Read More

“Oh no! You did it exactly like I told you to!” I noticed this sign on my uncle’s office door one day, and all I could do was smile. Partly because it was a joke, of course, but also because humans are prone to make mistakes! At times, it can be comical to watch someone […] Read More

Have you ever served on a board before? Perhaps you are on the board of a Fortune 500 company, or volunteering on the board of your church? Regardless of the circumstances, if you are a director or officer of any organization, you need Directors and Officers liability protection. Make sure that the organization carries D&O […] Read More

Fall means Halloween isn’t far away and while that means lots of fun for kids, it also brings a lot of safety concerns. Dark streets when kids are thinking more about candy than cars is a real threat. Statistics show a child is twice as likely to be hit by a car on Halloween than […] Read More

Periodically, I like to call competing insurance companies and have them quote my personal insurance. This way, I can know if it really is possible to save 15% on my car insurance (I never do) and to see the quality of service and advice I receive. Last week I called into one of these companies […] Read More

We’ve all been in situations during the cold, dark winter work months where we simply want to act like a bear and either hibernate until Spring or lash out at people. But as a productive member of society, and your workplace, those oh so tempting options just aren’t practical. Whether you are an employer looking […] Read More

When planning a large event, you want to think about everything going right rather than what may go wrong. Worst-case scenarios are difficult to discuss, but every good event planner prepares as best they can. Having your event covered in case of cancellation, property damage, or other unexpected incidents is essential. Event liability insurance adds […] Read More

If you’re a business owner or just human, liability exposure is an issue. From having someone over for a barbeque to starting a dynamite manufacturing company, everything we do has some risk. How can we prevent that risk from ‘coming in like a wrecking ball’ and causing panic at the disco?’ Here are my top […] Read More

According to a survey in 2018, the U.S. is by far the leading gun-owning country in the world, beating out the next country by more than 50%. While sales have declined during Trump’s presidency, industry data has clearly shown that gun sales have doubled over the past decade. Many Americans are exercising their right to […] Read More

In the latest news out of California, Mayor Sam Liccardo of San Jose has proposed legislation that would require gun owners to carry firearms liability insurance. It is based, he says, on state laws that also require motorists to insure their cars. Because responsible gun owners might want to have insurance, it is useful to […] Read More

As a prior golf professional and a high school golf coach, looking out for heat-related illnesses such as heat stroke was very important. Sure, the risk wasn’t as high as sports such as football, but it was still there. Some people can suffer from heat illness just by sitting in the heat for too long. […] Read More

It is the season for vacations. But it is not a vacation when you come home to find that your home as been burglarized while you were gone. Below are a few things you can do to reduce that risk while you are away. Don’t post pictures While it is tempting, don’t post pictures of […] Read More

This is not a fun topic to address. The statistics surrounding sexual abuse are astounding. It is very possible that you yourself have been a victim of sexual abuse scandals coming out of the SBC, or IFBC, or the Catholic Church and many other denominations. Statistically, our churches are running rampant with people who have […] Read More

“It’s a twister! It’s a twister!” I think we can all take a powerful lesson from Dorothy in the classic movie, The Wizard of Oz. Poor Dorothy was on her way home, trying to outrun a tornado that was sweeping across the field near her house. While her family wisely made it to the storm […] Read More

It stands to reason that if you invite someone on your property, you would be responsible for their injuries if there is a condition that caused it. For instance, let’s say you didn’t clear the ice on the sidewalk. It also makes sense that you need to keep your property safe for someone that has […] Read More

My wife and I are beginning to look for a new home, which is so exciting. However, shopping for a home, or even trying to sell a home, can be a very stressful thing! It can feel like you’re trying to climb a mountain with no rope – scary! However, when we started this process, […] Read More

Summer days bring all of us out of our houses and out into the sun to have some fun. Whether you are a landlubber or a boater, you have your summer toys that help you have some summer fun. But, those toys bring risk to you, your family and your financial security. Here are some […] Read More

In 2016 there were 20,857 complaints about age discrimination in the workplace filed with the EEOC (Equal Employment Opportunity Commission). This number is expected to increase with the aging workforce in the United States. The #Metoo movement has resulted in a dramatic increase in the number of sexual harassment claims in the workplace. Transgender discriminations […] Read More

Any parent who has placed their life in the hands of their young, 16-year old’s driving ability knows that this is a truly terrifying experience. Eventually, they become responsible, experienced drivers who understand and follow the rules of the road. But for a few years, youthful operators pose the greatest risk to roadway safety. In […] Read More

According to the American Automobile Association, drivers in their 70’s have more collisions per mile than any age group. (except those under 25) In their late 70’s they have about the same rate of injury-involved accidents as drivers their early 20’s. The reasons are obvious. As we age, our reflexes slow, making it more difficult […] Read More

Want to buy something you can’t see, can’t touch and don’t know if you will ever use? Not a great incentive to buy, is it? However, that is what many people feel they are buying when they purchase an auto insurance policy. At Capitol Insurance, we know that it’s fun to get a new car […] Read More

Businesses have several exposures relating to cyber liability and data breaches, but churches are certainly not immune from these same type of losses. Here are several helpful tips that can help any church protect their parishioner’s personal information. These tips can also help prevent the church from uncomfortable apologies and explanations to their members, as […] Read More

Few things provide as much pleasure as riding a motorcycle on a lightly traveled winding country road. Unfortunately, to get to these roads a motorcyclist usually needs to navigate heavily traveled city streets and interstate highways. While this is a lot less dangerous than many people think there is no doubt a motorcyclist is in […] Read More

It’s 10 am and you’re getting ready for bed. You brush your teeth, wash your face and put on your PJ’s. Finally, you walk through the house to make sure the doors are locked, the alarm is set, and you leave the front porch light on to make sure that any unsavory fellows out there […] Read More

Even if you don’t update your relationship status on social media, you should make sure you update it with your insurance agent. This can have a large impact on your premium – especially your auto premium. Auto insurance companies give several discounts. Depending on the number of people you have on your policy and your […] Read More

Few things are as disrupting to a budget as unscheduled repairs to your home. Yet having a plumber, electrician, carpenter, or other professional contractor to keep things in tip-top shape can be expensive too. The solution is to conduct regular inspections of your house and learn how to do the routine things yourself. This not […] Read More

My wife and I are about to begin searching for our first home. With this new season approaching, I’ve started to think about what things I need to understand to be the most prepared for this large decision, especially in this very competitive housing market. One of the things to understand is what about the […] Read More

If you know when you’re going to die, don’t read this blog. The tricky thing about life insurance is that you don’t know if you’ll use it, or if you do, when. Similar to property and casualty insurance such as home insurance, not knowing if you’ll need it is what makes it hard to buy. […] Read More

There is nothing you can do to prevent a hail storm from hitting your house, but if one does, here are some things you need to know as it relates to insurance protection: • Not all hail storms jeopardize the integrity of your roof. During most hail storms, roofs aren’t damaged because of the size […] Read More

As unbelievable as it sounds, insurance companies are struggling to keep pace with changes in auto accidents due to increasing frequency and severity. Over the last several years, carriers struggled to have premiums meet losses and expenses on personal auto policies that they have underwritten. And while the graph below is a few years old, […] Read More

The kids are grown up, have left the house, and now you and your spouse are empty nesters. How can you make the most of this new stage in life? What lifestyle changes might be impacted by this new transition that might need to be reflected by your insurance protection? Secure an Umbrella policy If […] Read More

How do most people perceive a claims adjuster? When you have a claim on an insurance policy, the adjuster is the person that tries to settle your claim as cheaply as possible and is more concerned about the insurance company’s bottom line than about you getting a fair settlement. At least, that is the public […] Read More

Spring is a popular time for people to begin the process of shopping for a new house. The decision of whether or not to move, and what house to choose, is often driven by the cost involved. Of course, the cost of the house is most importan and interest rates are also a major consideration, […] Read More

Virtually all churches on occasion send members or employees on mission trips or speaking engagements outside the United States. Many of these trips are taken with the mistaken assumption the church’s insurance policies will cover them. In other situations, coverage may be purchased for injuries the person traveling might sustain without realizing there are many […] Read More

While you shouldn’t choose a car based upon your insurance premiums, it doesn’t hurt to prepare for what it might cost. Make the choice based upon your needs. It is a bit similar to when someone asks, “Will my homeowner’s insurance premium go down if I put in an alarm system? Of course it will, […] Read More

We’ve all tried, or know someone who has tried a diet, or a New Year’s resolution to help them get healthier. However, it ends up being a train wreck, and if we’re honest, sometimes pretty entertaining to watch. There is a major reason that New Year’s resolutions, diets, and other new trends don’t work – […] Read More

Are you paying too much for your Auto and Homeowners Insurance? Consider these tips: Multi-Policy Discount Most insurance companies will give you a multi-policy discount for having both your auto and homeowners insurance with them. So, if you rent an apartment, carrying renters insurance won’t just give you the protection you need, and that your landlord […] Read More

There is something special about the holidays, especially Thanksgiving and the Christmas season. For most of us, it brings pleasant memories and an enjoyable time of year.  Of course, who doesn’t want the pleasantries of hot cocoa, cookies, gifts, and the warmth of a fireplace with your family with you? If I could condense it down […] Read More

Many DIY gifts can be cheesy, or don’t get used. Hopefully the suggestions below will give you some Christmas gift ideas that are much more realistic and usable.  Hopefully, the suggestions above help you prepare as we get closer to Christmas! Read More

“A balanced diet is a Christmas cookies in each hand.” -Unknown Many have memories and family traditions that involve baking and eating Christmas cookies. However, with the stress of the holiday, it is difficult to find the time and energy to prepare Pinterest perfect sweets. Below, I will provide you with some simple recipes for […] Read More

Joanna Belbey, Contributor for Advisor Network, provides an excellent, potent “Best Practices” on avoiding cyber-attacks. If businesses and individuals would focus on these practices, they’d be much more safe and secure! Here are some brief observations on her 5 main “Best Practices:” Governance Boards, business owners, and other key employees must “buy in” to the […] Read More

For many, Thanksgiving is when the coziness of winter begins. Use the following decoration ideas to help make your house cozy, and ready for Thanksgiving! (Click on the pictures for the links) Decor Centerpieces Table Settings Wreaths Thankfulness Trees Hopefully this provides you with some inspiration for how to make your Thanksgiving a cozy experience! Read More

Whether you’re about to take a hard final exam, or are studying for your first insurance designation exam, knowing what to study, how to study, and how to concentrate on what you’re studying is important. Here are my top 5 tips on how to improve your study and concentration skills. 1. Increase the number of […] Read More

Renting their house for a short period of time is becoming more and more common for homeowners. Websites such as Airbnb.com have facilitated these rentals and more and more people are looking to them for additional income. If you have thought of using your home this way, you should know most homeowners insurance policies do […] Read More

Fall brings a whole new season of fun activities—apple picking, pumpkin carving, bonfires, and hayrides. However, as with every activity, safety procedures must be in place. Below, I will explain the best steps to take when planning a hayride. A hayride, when not planned for, can be a dangerous thing. For example, instances, where children have […] Read More

Autumn brings some fun things with it: apple picking, pumpkin carving, football, and sweet treats. However, for some, the best thing it brings is whitetail deer hunting. It brings the opportunity to outsmart an animal that has learned over hundreds of years, how not to be seen. It brings the satisfaction of being able to provide […] Read More

We no longer build fireplaces for physical warmth, we build them for the warmth of the soul; we build them to dream by, to hope by, to home by.” Edna Ferber I don’t know about you, but when the leaves start to change color, and the weather becomes colder, I start to get excited, because […] Read More

We’ve all started a new season of life and realized, “I know absolutely nothing about insurance.” For those of you who may be in a period of life with a lot of changes, such as moving out of your parent’s house, buying your first car, etc., here are the top five coverages you should understand. […] Read More

Would you ever leave on vacation without locking your house? According to a study done by one major insurance company, most people wouldn’t. 85% lock their windows and 77% make sure their doors are deadbolted before heading out. However, an even greater risk to the safety of your home is typically ignored, water damage. Only 22% […] Read More

We’ve all read the predictions about self-driving vehicles becoming more and more common. Instead of driving ourselves, we will be relying on vehicles controlled by computers.  Many newer cars are equipped with collision warning systems and automatic braking. As a result, data is showing a reduction in accidents. This may result in lower insurance costs […] Read More

We’ve all been in a situation where the elements are ripping into us, and making life miserable. All we can do is think about getting into our nice warm car to find a small haven from terrible mother nature, only to hear the most nightmarish sound imaginable… silence. Your car won’t start. Now you’re faced with […] Read More

The average recruiter spends 6 seconds looking at your resume.   6 seconds. Let that sink in. .. If your resume only gets looked at for 6 seconds, what do you want to stand out? This is why you need to take the time to polish your resume.   Read the tips below for help. […] Read More

There are many good camping destinations in Indiana. Having grown up in Indianapolis, I have always heard of many camping options. The following three are my personal favorite. As a daytrip, overnight backpacking escape, or a place to bring your RV, all have accomodations.        1. McCormick’s Creek State Park.  Just 53 miles […] Read More

Coming up to my wife and I’s one year anniversary has me thinking how marriage affected our insurance as newlyweds. Was there anything I could have done to improve my insurance coverage? If you’re about to get married or have been married for years, there are still some things you should consider. Top 5 things […] Read More

You just bought a new insurance policy from an independent agent. Congratulations! Now what do you do? There are five things you should make sure you accomplish after you buy a new insurance policy:        1. Know who to call. When you buy a new insurance policy, the people you will call in the event […] Read More

When is a car old enough to drop full coverage on it? There are two major divisions of coverage on the auto policy.       1. Liability. This coverage is intended to cover the other person if you cause an accident or cause damage or injury. Liability is always necessary. It is, of course, […] Read More

Sexual harassment isn’t new, but recent publicity has caused more public awareness. As a result, more people have come forward to report incidents which have occurred in their workplace.  Consequentially, employers are reviewing their employment practices to ensure an environment that is safe for their employees. Every employer needs a handbook. It should set the standard […] Read More

If you have never seen a video of a bunny eating raspberries, you haven’t lived. Before you read on, you must watch the following video. Funny, Cute Bunny Rabbit Eating Raspberries! Sweet Funny Bunnies Rabbits Funny bunny eats raspberries. Sweet bunny rabbit eating fruit, rasberrys. Cute funny bunny rabbit eats rasberries – berries. Funny bunnys, […] Read More

Over 60% of houses in the United States are under-insured by about 20%*! That is a startling statistic when you think about it. This means that people in this category would have to pay $60,000 out of pocket to replace their $300,000 home in the event of a total loss. Now, if that uninsured statistic is true, […] Read More

The USA Gymnastics sexual abuse scandal brought a lot of attention to growing concerns for children while participating in sports.  This might have been the final catalyst motivating Congress to pass a new law, in late 2017, aimed at preventing child sexual abuse. The Protecting Young Victims from Sexual Abuse and Safe Sport Authorization Act […] Read More

A couple of years ago on the 4th, I was sitting on the beach of Lake Michigan. My family and I were waiting for fireworks to begin. 5 minutes prior to start time, I heard fireworks going off, and turned around just in time to see a man, on fire, running into the lake. Thankfully, there […] Read More

For many years, car insurance rates have been determined by familiar factors such as the driver’s age, sex, driving record, type of vehicle, how the vehicle is used, and credit ratings. Modern technology is making possible the use of other factors which could revolutionize car insurance. This is called Usage Based Insurance (UBI). Some companies are now testing UBI. […] Read More