Investigations and explainers on how AI underwriting, telematics, and machine-learning pricing models are reshaping auto, home, and life insurance — and what consumers can do about it.
5 articles
A look inside the gradient-boosted models, telematics signals, and credit-based scores that decide what you pay — and why the same driver can see a 40% price spread across carriers.
Apr 22, 2026 · 11 min
Why a credit-based insurance score is not the same as your FICO, how it is calculated, and what you can do this month to move it.
Apr 15, 2026 · 10 min
Carriers pitch usage-based programs as a win for safe drivers. The data is more complicated. Here is when telematics actually saves you money and when it quietly costs you the renewal.
Apr 8, 2026 · 9 min
We submitted matched test claims to six top auto insurers. The fastest paid in 41 hours. The slowest took 19 days. The difference was almost entirely software.
Apr 1, 2026 · 12 min
Most households need term life. The industry sells permanent. Here is why, and when the conventional wisdom is wrong.
Oct 29, 2025 · 11 min
