Covered Egg
The premium for an essentially identical policy can swing by double digits depending on how you buy it — online or by phone, through an agent or direct, all at once or month to month, today or next week. The reasons are sitting in the filings.
The loss ratio is the most useful single number for judging whether a policy is priced for you or for the shareholder. Here is what it measures and where to find it.
It isn't a penalty for filing claims. Your pet's age is one of the largest rating factors in the policy, and the yearly increase is written into the filing the day you sign up.
Every rate change an American insurer makes is filed with a state regulator — in public — usually weeks or months before it reaches your renewal. Here is how to read one.