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What If (TM) calculator
How much you pay for car insurance depends on a number of factors. Your driving record, car, ZIP Code, and the number of accidents you've had (just to name a few) can all play a role in determining your rate, and changes to any of these things could raise or lower your premium.

But just how much they can impact rates has remained a mystery to most drivers — until now.

Introducing the What If Calculator*
If you've ever wondered how tickets, accidents, changing vehicles, or moving to a new ZIP Code could influence your rate, wonder no more.

Simply log into your policy and click on the "Policy Info" tab to access our unique interactive tool, the What If Calculator.

Using the calculator, you can find out how certain "hypotheticals" might affect your rate. Just answer a few questions and we'll provide you with a customized estimate based on your specific info.

And because the calculator is designed to be a useful estimation tool, nothing you input will change your policy or premium. It's just one more way we're working to take some of the mystery out of car insurance. So go ahead, take our calculator for a spin and put those pesky "what ifs" to rest.

Try the What If calculator

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Three easy ways to protect yourself from identity theft

Once upon a time, identity theft was the stuff of fiction. In our modern world, however, where technology sometimes makes it possible for strangers to access your info, identity theft is a growing epidemic affecting around 9 million people each year.

But by taking these 3 simple precautions, you can protect yourself and your money:

Be smart online. Hackers can get your online info in a number of ways (through malware or spyware, for instance). Before installing or downloading programs or apps, do some homework to make sure that they're safe. Choose passwords that are at least 6 characters (the longer the better), use numbers, punctuation, and special characters when possible, and change your passwords often.
Monitor your credit report. Since 64 percent of identity theft cases involve the use of a credit card, keep track of your credit report to know if someone has opened an account in your name. You're entitled to a free credit report every 12 months from each agency (Equifax, Experian, and TransUnion), so don't hesitate to request yours.
Shred everything. In addition to digging for your info online, identity thieves aren't above sifting through your garbage to snag your personal info, so shred everything from junk mail to old pay stubs to bank statements.

While these tips can be useful for avoiding identity theft, they can't help you repair the damage if identity theft happens to you. Renters insurance, however, could.

If identity theft coverage is available on your renters policy, your renters provider will work with credit card companies, credit bureaus, and other institutions to help rectify any damage done to your name. (Note: identity theft coverage isn't available in all states.)

What else can renters insurance do for you? Check out our renters insurance insights to learn more, then get your fast, free quote to see how affordable great coverage can be.

Get renters insurance 

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*The What If Calculator is intended to be used as a hypothetical estimation tool only. If you have actual updates, please make them to your policy. We may store some of the data you enter to make it easy to retrieve your estimate, or as anonymous analytical data, but we will not use this information for rating or pricing purposes.

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