Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny ...

Lorraine Roberte is an insurance writer for Investopedia. As a personal finance writer, her expertise includes money management and insurance-related topics. She has written hundreds of reviews of ...

Insurers use information about you, your coverage needs, and potential risk factors to determine your premiums. Here’s how the calculations work and how you can save.

Pay-per-mile insurance bases your premiums partly on your monthly mileage. Your insurance costs are calculated with a fixed base rate plus a variable per-mile rate based on how much you drive. Pay-per ...

Technology promises to transform the way car insurance premiums are calculated, but market conditions are limiting the options for now. How far you go and what risks your driving poses is getting ...