Jesse Smith

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Insurance Expert

Jesse Smith

Jesse Smith Quick Facts

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Insurance
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I’m a retired insurance broker. I was a broker for 25 years and sold all the different types. My specialty was the automobile insurance industry, but also property and casualty insurance. My goal is to make the subject of car insurance more comprehensible to the average auto insurance policyholder.

Auto Insurance 101

Articles by this expert

SelfGrowth articles and saved writing connected to this expert.

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Article

Actuaries predict that each person living in the United States will be involved in three traffic accidents in his lifetime. Year after year, most of these potential victims will purchase automobile insurance.

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While most people are familiar with the concept and need for life insurance, few take the time to investigate coverage for disability. Yet the facts show that if you are under retirement age, disability for an extended period of time is far likelier than death.

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The compulsory automobile insurance issue, like many others, has been complicated and made more difficult of settlement by the antagonism which exists between the private interests involved and the public which is seeking a satisfactory remedy for a seriously unhealthy social situation.

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The non-principal operator classification, multi-car discount, operator training discount, and good student credit tend to be the heart of obtaining a very affordable premium for the young operator. To begin with, if you live at home and your parents allow you to be added to their policy, you can terminate your existing insurance and have your classification adjusted from a principal driver to a non-principal driver.

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Unfortunately, not everyone is a perfect driver. Someday you may find yourself causing or contributing to an accident.

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