You and your neighbour could be driving the exact same car, parking it in the same street, and still end up paying completely different insurance premiums.
Sound familiar?
It’s one of those everyday frustrations that doesn’t quite add up — until you realise the car might not be the main thing being assessed at all.
Because when it comes to insurance, it turns out the real question isn’t just what you drive… it’s who you are.
From the outside, most of us assume premiums are based on the basics — the car, the area, maybe a few obvious risk factors. But behind the scenes, there’s a far more detailed picture being built. One that looks at patterns, behaviours, and details you might not even think twice about.
And that’s where things start to get interesting.
Based in New York, Stephen Freeman is a Senior Editor at Trending Insurance News. Previously he has worked for Forbes and The Huffington Post. Steven is a graduate of Risk Management at the University of New York.