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Geographic Car Insurance Rates By State

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Allstate offers policyholders a chance to save on their premiums by driving safely with its telematics program, Drivewise, which is easily activated on their mobile app. Additionally, if you’re trying to understand the confusing ins and outs of car insurance, the company’s website provides drivers with a wealth of information, helpful articles, and videos. Allstate also has high social media responsiveness on platforms like Twitter, replying directly to users on weekends.

When applying for cover you’ll be asked to confirm your US State of residence in order to proceed with your quote. This is important as individual US State rules mean that different terms of coverage are available depending on the State in which you are resident. During the quarter, it derived direct gross premium income from policies for insured parties whose home state is the Commonwealth of Virginia. Virginia Tax has been charged with the administration and collection of premiums license tax forms and payments. This tax is imposed on all insurers and surplus lines brokers that are licensed in this Commonwealth by the State Corporation Commission’s Bureau of Insurance.

Bonita man, Virginia woman accused of health fraud – fox5sandiego.com

Bonita man, Virginia woman accused of health fraud.

Posted: Mon, 09 Aug 2021 22:55:18 GMT [source]

The principal operator of a covered motorcycle can receive an appropriate reduction in premium charges if they successfully complete an approved motorcycle rider education course. The course must be completed no more than three years prior to the beginning of the policy period for which the discounted rate applies. The discounted rate only applies to one motorcycle owned by the principal operator. Excess No-Fault coverage can be purchased up to a maximum of $80,000 for any one person injured in any one accident. The daily policy offers up to $100,000 CDW/LDW coverage and is available for as little as $6.00 per day.

I really don;t know if it is smarter to lease buy used looking for most affordable and safest option. Do i need my own insurance seperate from my father’s if i buy or lease a car in my own name? Can i lease a car without a full time employee status (i am an ind. contractor)?

Before you strike your idle car from the insurance policy, notify your state’s DMV that you are allowing the registration and the insurance to lapse. You will be required to turn over the car’s license plates, which allow you to take the vehicle out on the road. If the insurance lapses, in many states the car is no longer legally registered, and you can be fined for driving it. Connecticut and other states require insurance companies to report any lapsed policies. AAA was founded over 100 years ago, and since then it has grown to over 50 million members strong while providing membership services such as roadside assistance.

Student Loan And Financial Aid Programs By State

Masterpiece coverage includes access to specialists, rental insurance up to $15,000, child seat replacement and pet injury payments. Read 293 Reviews Specializes in auto coverage for those 50 and older. Policyholders get 12-month rate protection, financial assistance after an accident, lifetime repair assistance and 24/7 claims assistance. Read 327 Reviews Covers all types of vehicles, with options for replacement cost coverage and roadside assistance. Offers discounts for bundling, being claim-free and low mileage.

Many people don’t realize that traditional car insurance plans don’t cover these prized vehicles. That’s where exotic car coverage from companies such as Hagerty comes in. GEICO auto insurance is available in all 50 U.S. states and the District of Columbia, so you can obtain GEICO coverage regardless of where you live.

If I Add Drivers To My Policy, Will My Car Insurance Rates Increase?

I’ve seen many defendant drivers and insurance companies allege that injuries are unrelated to the car crash because of the delay in seeking medical attention. Dealing with insurance companies after a weather-related car accident in Virginia can be an arduous task. Your insurer might try to pin some responsibility on you to avoid paying out any settlement. The car accident lawyers at Halperin Law Center understand these defenses and are ready to fight for the compensation you deserve.

Our commitment to all of our customers is to find the best affordable auto insurance and motorcycle insurance to meet their needs. The Virginia Bureau of Insurance regulates insurance in Virginia. Just like any other state in the country, there are regulations in place regarding commercial insurance. Business owners are required to carry certain types of coverage to protect themselves, their clients, and their employees. A heavy armored vehicle can inflict extensive damage to another vehicle and its passengers in the event of a collision. Drivers must have appropriate licenses and undergo special training in evasive maneuvering and the handling of the vehicle in heavy traffic and inclement weather.

More Decks By Virginia Car Insurance

State Farm is an insurance provider with nearly a century of experience. Its car insurance rates are fairly standard, but you can apply for discounts or bundle policies to save money. If purchased, it must be at least that required for bodily injury coverage. If an insured purchases greater amounts of bodily injury coverage than what is required, UM must equal that amount, unless specifically rejected by the insured.

USAA gives you easy access to your policy anytime through its website and mobile app. You could be eligible for accident forgiveness and other membership perks. Based on our findings, here are seven car insurance companies that we car insurance in my area feel confident in recommending to anyone who falls in the 50 and older age bracket. If you’re a great driver but your spouse’s history is littered with accidents and parking tickets, keeping your policies separate makes sense.

While the company places restrictions on what vehicles it will cover, Hagerty insurance is widely available here in the United States. Specialized medical coverageapplies to you and your family members if someone becomes injured during an auto show or related event. This can be very important for older drivers who like to parade their geico car insurance login classic or specialty car at auto shows. As a non-standard insurance company, Dairyland doesn’t typically appear in most of the major insurance rating studies. Dairyland maintains an A+ rating from the Better Business Bureau. Payment frequency discount when you pay your policy premium on a quarterly, semiannual, or annual basis.

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Virginia to find you the cheapest quotes in each of these metropolitan areas. Some of the products are warranties rather than traditional insurance policies. In addition to tons of uninsured drivers, Florida is also packed with older drivers, students as well as plenty of tourists. All of these are considered higher-risk drivers, which leads to accidents, claims and higher premiums for residents.

After a motor vehicle crash, the steps you take impact your health and ability to recover monies for losses caused by the other driver. In addition to calculable economic costs, the National Safety Council evaluated the total costs of motor vehicle collisions. These figures tried to measure the value of lost quality of life. Those of you hurt in an auto accident may have large medical bills and require future treatment. And if your injuries are severe, you may lose income from work or even have to change careers, if you’re able to work at all after the car accident. Your medical expenses and wage loss are known as economic damages.

There are no depreciation or price discrepancies to hash out at any point. Nonowner insurance, so that you’re covered even when driving another person’s car. In terms of customer satisfaction, Allstate’s standings are mixed.

Use our online renters tool to design your own renters policy that matches your exact needs. Get a renters policy that fits your lifestyle and protects what matters most to you. Follow the links below to get your insurance questions answered for the specific states and cities where you and your loved ones will be driving. You have to pay close attention to all the minor details—they sure add up fast. Roadside Assistance coverage saves you from being stranded on the side of the road when something goes wrong with your car.

  • The driver must also go at least two feet to the left of that vehicle.
  • Auto insurance does not usually cover personal property stolen from your car.
  • For that, you can either purchase the rental car company’s collision damage waiver or loss damage waiver coverage, or rent the car using a credit card that provides this coverage.
  • You can purchase non owners insurance without an SR22 or FR44 attachment.
  • Do not accept a settlement offer before you know the extent of your injuries and the disability’s nature.

Comprehensive policies (“full coverage”) usually also apply to the rental vehicle, although this should be verified beforehand. Full coverage premiums are based on, among other factors, the value of the insured’s vehicle. The Insurance Information Institute estimates that over 20% of the population is driving without insurance. With hurricanes and floods occurring every year, Florida car insurance companies know that they will have a slew of claims to process each year that are unrelated to driving. Drivers with speeding tickets or car accidents on their driving record are seen as a higher risk to car insurance companies, resulting in higher rates.

Want to find the best auto and best home insurance companies in a different state? We’re the only rating agency that knows the best car insurance and best home insurance companies in every single state. Just click one of the buttons below and you will be taken to a page that helps you find the best insurance companies anywhere in the U.S. ValChoice is an independent insurance company rating and analytics company. Every year, we evaluate more than 25,000 companies across the United States.

In addition to autoinsurance discountsto help reduce your rates, ERIE offers discounts when you bundle your home, business, life insurance1 and annuity products. Talk to anErie Insurance agent in Virginiaabout these other ERIE products and how you might qualify for additional discounts. Another thing to consider when switching policies is your driving record. If you have consistently been a good driver for three to five years, you should see your annual policy drop.

Best Cheap Car Insurance in Virginia Beach – Bankrate.com

Best Cheap Car Insurance in Virginia Beach.

Posted: Tue, 09 Mar 2021 08:00:00 GMT [source]

If you have been charged as the at-fault driver involved in the hit-and-run accident, the consequences can be more serious. The table below shows how much the average cost of auto insurance can increase in Virginia if you are the at-fault driver. A hit-and-run accident can double the cost of premiums, from an average of $1,304 a year, to $2,565.

It requires drivers to carry more insurance than those in no-fault states. Idaho is another rural state, with a pretty low uninsured driver rate of 8.2%. Although some parts of Idaho experience winter blizzards, the state doesn’t deal with much extreme weather year-round. Maine offers the cheapest car insurance in the country, in large part because it has the fewest number of uninsured drivers.

1when it comes to customer service and satisfaction, and you can trust its reputation when adding a young person to your insurance policy. Leave it to Geico to offer affordable car insurance that makes things straightforward and simple, no matter the task. It’s important to shop around.Even the cheapest car insurance company may not offer the best auto insurance rates for someone in your situation.

Rates are for comparative purposes only within the same model year. “Drivers can often get lower rates by utilizing some of the new transparency tools that many insurers are putting in place to track driving behaviour and incentivize safe practices,” advises Smith. According to the III, only 4.9% of the drivers in Maine are uninsured.

Automobile owners are required to purchase minimum amounts of first-party coverages that pay benefits without regard to fault. In Alaska, insurance companies are not required to offer greater limits of bodily injury and UM/UIM to motorcycle owners or operators. Annual policies offer ultimate flexibility for frequent renters as they can be used for multiple trips throughout the year, including overseas. For shorter trips or one-off use, daily policies offer great value when compared to coverage offered by rental car agencies. Insuremyrentalcar.com provides rental car insurance in the form of Collision Damage Waiver and Loss Damage Waiver insurance policies for use with rental vehicles in the United States of America. Our policies also provide US residents with coverage when renting vehicles overseas.

As you can see below the requirements for FR44 insurance are much higher. Due to the higher coverage the policy will be more expensive and the DUI conviction will also keep you paying more for at least three years. Some states are known as no-fault states, which means that an insurance claim is required after every accident, regardless of fault. Because of this stipulation, all drivers in no-fault states must carry personal injury protection with their car insurance policies.

If you live in one of these most expensive states, you can expect to pay $800 or more for liability coverage alone. Before you are wowed by one of our state or city guides, take a look at the two charts below to see how drastically insurance prices vary across America. Check out the ten least and most expensive states for car insurance with their average rates broken down bytype of coverage. DHRM at its discretion posts information received from vendors that provide discounts to all state employees. Discounted products and services are provided atno costto the Commonwealth of Virginia. Discounted products and services are grouped in categories below.

Such significant differences in rate increases show why it’s important to shop around to get your best rates, especially if your driving record has changed. We reviewed all of the top auto insurance companies in Virginia and found that Virginia Farm Bureau has the best rates, with a minimum coverage cost of $359 annually, or $30 monthly. Driving without car insurance is a bad idea — you’re breaking the law in 49 states, and have no protection against a financial disaster if you get into an accident. If you don’t drive your car, then you sill can take out some coverage if the vehicle has any value. As a stationary object, it still is at a risk for damage as well as theft.

Filing an insurance claim promptly is the best course of action. Your licensed agent can walk you through the process and review your coverage limits. Erie has an A+ rating from the BBB and an A+ financial strength rating from AM Best.

You should also consider purchasing an excess liability policy which may provide additional limits of liability. We are dedicated to helping protect the things most important to you at competitive rates. We do the shopping for you, making the insurance carriers compete for your business.

You should seek these damages only if the defendant acted recklessly or intentionally. For example, it’s reasonable to seek punitive damages if the defendant driver was drunk at the time of the crash. An important factor in determining whether or not you have a strong injury claim is collectability.

It’s a way to protect your finances in case the worst happens. Our research team vetted 50 car insurance companies that are rated by more than 28,754 customers. Read our guide to choose the best auto insurance for you by comparing coverages, policy options and discounts. I am a forty year customer of State Farm Insurance and have recently had major issues concerning quotes and billing.

This is the coverage that pays for damages in a non-accident event, such as a falling tree, storm damage, flooding or a fire. If the vehicle is just used for parts and has no resale value, comprehensive insurance may be a waste of money, as it will come with a deductible amount that must be paid in the event of damage anyway. Erie Insurance provides auto, home, business, and life insurance.

In exchange for a reduced premium, insurance companies may offer economic only UM coverage. This coverage excludes payment for all non-economic loss, including pain, suffering, inconvenience, and mental anguish damages. These benefits reimburse the insured for the net loss suffered through injury arising out of the operation, maintenance, or use of a motor vehicle. The maximum amount for all economic loss is $10,000, regardless of the number of covered persons injured. “Economic loss” means medical expenses, lost wages, and funeral expenses. The minimum amount purchased must meet the bodily injury liability requirements.

Considering rates, discounts, coverage, etc. what is the best insurance for 17-year-old drivers? If you still live with your parents or you’re away at school as a dependent student, it’s a good idea to stay on your parent’s policy for as long as it’s an option. When you add yourself and your car as a driver, you’ll pay a discounted rate. To buy auto insurance in your name at any age, you need to be the registered owner of the car. To report or track a claim on an existing Tesla Insurance policy, you can call the number on your insurance card. An assigned claims specialist will support you through your entire claims experience.

If your current auto insurance plan is too high, check out Savvy. Savvy helps compare your current auto insurance to other options in your state to see if you’re getting the best deal. If you’re just learning about rideshare insurance and not sure why you need it, it’s because as a rideshare driver, you need to be especially mindful about the risks and insurance limits in your state.

If your car is being financed, the lien holder may require coverage beyond liability as well. We compared local car insurance companies across the United States to help you find trusted providers in your city. If you are a high-risk driver, Progressive has options that help you avoid the increased financial pressure that comes with a less-than-great driving record. The company’s Name Your Price Tool lets you stick to a budget and find a coverage plan that meets the minimum requirements of your state.

Aegon is one of the world’s most famous providers of life insurance, pensions, and asset management. They have operations in over 20 countries, including the USA where they’re known as Transamerica. That’s when you claim another, more experienced driver is the car’s main user to save money. Each quote should be based on the same amount of coverage so you can do an apples-to-apples comparison. This typically takes around 15 minutes on the phone or online for each insurer. Have your most recent policy in front of you in case any questions come up about the make and model of your vehicle and your current coverage.

Some tabs will contain links to websites while others will have documents you can review. Always remember that if you have specific questions about your policy call your insurance producer . In 2018 the average collision claim was $3,574; the average comprehensive claim was $1,833. Publications and handbooks Download life insurance handbooks, guides, and newsletters.

With GEICO’s hybrid policy, they cover the rideshare driver during every period of rideshare, including period 2 and 3. One thing to keep in mind is what all is covered by each insurance company. If you have a better driving record or you live in an area that is cheaper to insure, you may be on the lower end. But for a lot of drivers, the average quote may come in at around $150/month. Finally, you will also want insurance even if you only plan on driving for food delivery services . You can find a full list of insurance companies offering delivery insurance here.

Underinsured motorist insurance covers you when you’re in an accident caused by a driver whose insurance coverage falls below the state’s required minimums. Depending on your level of cover, it can help with claims for damages to other people, their property, you and your car. No matter where you live or what your driving record looks like, there are ways to get cheap car insurance. We offer many different types of products including auto, home, renters, life, retirement, umbrella, marine and more. Let us help you to find the right insurance with affordable coverage that fits you best.

Most responsible insurance agents or brokers do not use this term when working with their clients. Commercial insurance for vehicles owned or operated by businesses functions quite similar to private auto insurance, with the exception that personal use of the vehicle is not covered. Commercial insurance pricing is also usually higher than private insurance, due to the expanded types of coverage offered for commercial users. Insurance companies provide a motor vehicle owner with an insurance card for the particular coverage term, which is to be kept in the vehicle in the event of a traffic collision as proof of insurance.

Each state has its own required coverages and limits , so rates will vary due to this and other factors, such as the number of claims the insurer pays out in your new area. New Hampshire also has a low rate of uninsured drivers, with only 6.1% of drivers out on the road without coverage. According to the Governor, New Hampshire also benefits from great drivers and safe roads.

The best car insurance provides a good balance between affordability and coverage. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. We do receive compensation from some partners whose offers appear on this page. Compensation may impact the order in which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. The NAIC website is another source of information about how insurance companies have performed.

Kansas requires all motor vehicle liability policies to include PIP benefits to pay rehabilitation, disability, and funeral expenses of the insured and the insured’s passengers. Kansas law permits only motorcycle owners/operators to reject this coverage in writing. Alaska requires $50,000 for bodily injury coverage for one person injured in one accident and $100,000 in coverage for all persons injured in one accident. If you purchase bodily injury insurance coverage in an amount greater than that legally required, you must purchase the same amount of UM/UIM coverage. State laws regarding SR22 car insurance requirements can be complicated. That’s why it’s so important to get reliable information and support from licensed insurance agents at reputable SR22 insurance companies.

Best cheap car insurance in Midlothian for 2021 – Bankrate.com

Best cheap car insurance in Midlothian for 2021.

Posted: Fri, 30 Jul 2021 07:00:00 GMT [source]

Rates are lower than the national average for both full and minimum coverage. If you’ve experienced a serious driving conviction, you may need to find a car insurance company specializing in high-risk drivers. Take the time to learn how car insurance works in Virginia with an FR44 certificate.

Learn more about the differences between liability and full coverage. Research providers in your new state, and pay attention to coverage options, discounts and customer service reviews. In cities with a high population density, like Houston or Dallas, car accidents are more likely to happen.

Typically, the adjuster will not send the claimant a check for the car until he or she agrees to take a ridiculously low amount for the wrecked vehicle. The best coverage for you is the one that fits your needs, addresses your concerns, and makes sense for your situation. While Geico’s insurance is the cheapest overall, another insurer may offer discounts that make its product even less costly for you. A different one may have coverage options that resonate with you.

This policy is designed to offer the maximum flexibility and represents great value with one single premium to pay for the whole year. We also offer various discounts to reduce your insurance premiums. Click on the discounts link or button by state for more information.

If you are looking for a company with local agents, Erie may be a good place to start your search. Although its premiums are already lower than Virginia’s average, Erie offers several discounts to help you save even more. An especially attractive feature is the accident forgiveness option, which forgives one accident to protect policyholders from increased insurance premiums. car insurance companies You can also earn a deductible reduction of $100 for every year you do not file a claim. Erie has the second-highest ranking for customer satisfaction in the Mid-Atlantic region and outscores other popular providers in our Bankrate scoring model. The Hanover Insurance Group, Inc., is the holding company for several property and casualty insurance companies.

First, you will need to compare quotes from multiple insurance providers to find the right company that offers the exact level of coverage in Virginia you need at the most affordable price. The cheapest auto insurance rate our insurance agents found in Newport News is State Farm, with a $967 per year rate for a policy with collision and comprehensive coverage. State Farm’s quote is 39% less expensive than Newport New’s average rate of $1,579 per year. If you’re buying a new or used vehicle, remember to shop for cheap car insurance quotes as you look for the perfect car. You don’t want to fall in love with a car only to discover with the insurance cost will bust your budget.

“There are individuals out there who like to live on the edge” and drive without insurance, says an Allstate Web video. Meet the version insurers use to figure how much they can charge you for a policy—a score they have no legal obligation to show you. Talk to an insurance saving expert, and lock in the best rate. Auto-insurance premiums have jumped in recent years, but shopping around can help offset price increases caused by cost factors you can’t completely control.

Property Damage Liability – If you or someone you allow to drive your car causes property damage, this coverage pays for that damage. Property damage can include damaging someone else’s car, damaging someone else’s residential property with your vehicle or paying to repair items such as light poles and railings. Enter your ZIP code below to view companies that have cheap auto insurance rates. Erie offers Virginia drivers car insurance with top-rated customer satisfaction at an affordable rate.

By definition, a hit-and-run accident is where the at-fault party flees the scene of the accident. In 2019, there were over 238,000 moving violations in Virginia. Among these, 4,278, or 2% of the total, were ruled as hit-and-runs. Interestingly, about 5% of all the hit-and-runs were committed by someone who was driving under the influence.

The company has an A rating from AM Best for financial strength. This auto insurance marketplace has auto insurance policies available for 43 states. After a quick survey, this website automates the tedious process of price comparison and finds affordable car insurance plans for users. This company’s accident forgiveness means rates don’t go up after one accident, no matter who’s at fault. Customers also have options when it comes to limits and deductibles. The company’s Milewise program offers coverage based on mileage driven per day and is a good option for those who don’t drive as much.

If you’re looking for an auto insurance policy with built-in extras, you may want to consider The Hanover. The insurer offers both home and auto insurance in 27 states and Washington, D.C. It received fewer than the expected number of complaints for auto insurance, and has a wide variety of coverage options. Power ranked American Family ranked No. 17 out of 24 companies for auto insurance claims satisfaction in 2020. While rates can double in some cases, it’s important to note that every company considers credit very differently, and even among insurers this factor fluctuates by state. Drivers with poor credit insured by Nationwide could pay an average of 38% more — $497 more a year — compared to similar drivers with good credit.

Incentives in West Virginia range from savings on insurance premiums to significant tax breaks. Plus, the State may add more green driving incentives in the future. You need to be a smart person to get cheap car insurance for your family. It is really important for you to know all about different types of car insurance if you are planning to buy a new car or planning to renew your old policy.

Below you’ll find auto insurance offers available from our advertising partners, followed by our complete in-depth list of the best car insurance companies we’ve found. Ranked the No. 1 auto insurer in California, Esurance is making inroads around the country . A division of Allstate, Esurance promises customers that switching or signing up for car insurance can be as easy as possible, or “painless,” as the company puts it. Esurance also offers a policy meant to help fill gaps in coverage for Uber and Lyft drivers. Many insurance companies with strong ratings for claims service and overall customer satisfaction also offer some of the most affordable rates on average.

With affordable GAP, you won’t have to pay the difference between insurance proceeds and the balance of your loan. We are represented by Insurance Professionals in over 1,500 locations. AIC partners with agents who specialize in providing their customers with a high level of service. Our agents’ expert knowledge of insurance ensures that each of our policy holders is adequately protected. We understand that accidents happen to even the most careful drivers.

With the help of reporting from Virginia car insurance companies, the VA DMV can electronically track your car insurance status. If you purchase auto insurance to fulfill your financial responsibility requirements, you may also want to consider buying additional coverage. Insurers view drivers with a low credit score as posing a greater risk than drivers with a higher credit score, and they usually raise rates to account for this risk. Our analysis found that average rates for Virginia drivers with poor credit are 44% higher than for drivers with average credit. Geico offers the best rates for these types of drivers, charging $871 less than the Virginia state average. Mutual Trust Life Insurance is founded in on the principles of mutuality and policyholder participation.

Car insurance is designed to cover both vehicle repair costs and medical expenses for you and your passengers after an accident. Like many other auto insurers, Liberty Mutual offers various discounts. Unlike the others, however, it doesn’t limit the number of car insurance company ratings discounts you may be eligible for. The company’s website also provides a useful tool in the form of a coverage calculator that may help point you in the right direction. They’re also one of only two companies with a dedicated discount for military members.

Erie Insurance and Progressive have also begun offering rideshare insurance in Rhode Island. State Farm’s rideshare endorsement extends your coverage limits during period 1, 2 and 3. This means that your personal deductible will be in effect any time you are behind the wheel, no matter which TNC you’re driving for, or which period you’re in. If you have other coverages such as medical, towing and rental car coverage, these too will be in effect while you’re driving for Uber, Lyft, or others.

Rockingham Mutual Group, Inc. is the parent company of Rockingham Group, Inc., Rockingham Insurance Company, Rockingham Casualty Company, Rockingham Mutual Service Agency, Inc, and Rockingham Specialty, Inc. Virginia has some of the best maintained roadways in the country—but that doesn’t mean you won’t hit a pothole or occasional ice patch. Make sure you’re protected in case of a mishap with collision coverage. Virginia has strict driving restrictions for teenagers, including curfew restrictions, cell phone usage, and passenger restrictions for drivers under the age of 18.

78 percent of insured drivers purchase comprehensive coverage in addition to liability insurance, and 74 percent buy collision coverage, based on a Triple-I analysis of 2018 NAIC data. To calculate average expenditures the National Association of Insurance Commissioners assumes that all insured vehicles carry liability coverage but not necessarily collision or comprehensive coverage. The average expenditure measures what consumers actually spend for insurance on each vehicle. It does not equal the sum of liability, collision and comprehensive expenditures because not all policyholders purchase all three coverages. The average expenditure measures what consumers actually spend for insurance.

Date: August 12, 2021