Understanding usage-based auto insurance

In recent years, many vehicle owners have observed steep increases in their auto insurance premiums. In fact, many motorists’ rates have risen, even if they have not filed a claim or made changes to their coverage. Amid such market conditions, exploring new options for potential savings is a wise financial decision.

Usage-based auto insurance can be a particularly valuable option for some motorists. While auto insurers have traditionally based policyholders’ risk profiles on factors such as vehicle details, driving records, location, and claims histories, usage-based coverage also accounts for a person’s driving habits in real time. This data is then used to calculate someone’s policy costs. Safe, infrequent drivers may see lower costs, while risky drivers could pay more.

When purchasing usage-based auto insurance, policyholders will likely need to agree to share vehicle and driving data, such as through the installation of a telematics device or downloading a mobile app.

Once set up, carriers may monitor a motorist’s vehicle usage, such as:

• Mileage—Insurers may track how much a person typically drives. Spending less time behind the wheel can typically lead to lower costs.
• Behavior—Carriers may also analyze driving behavior, including tracking instances of speeding, sudden braking, rapid acceleration, and the times of day during which a policyholder drives. Motorists who exhibit potentially unsafe driving habits are likely to pay more for coverage.

At Christensen Group Insurance, we can help you understand the potential benefits of usage-based auto coverage and determine whether it may be the right choice for you.

Preventing frozen pipes this winter

For many homeowners throughout the United States, frigid temperatures have already arrived. With freezing conditions likely to recur in the coming months, home maintenance must remain a top priority. Taking steps to prevent frozen pipes and subsequent plumbing issues, including potentially costly water damage, is particularly important.

Consider the following strategies for limiting the risk of frozen pipes in your home:

• Insulate pipes, such as by using heat tape or fiberglass sleeves.
• Regularly turn on faucets to keep water moving through the pipes and relieve pressure.
• Seal cracks in foundations and exterior walls to limit cold air intrusion.
• Turn off outdoor water sources and allow them to drain.
• Open cabinet doors and areas with exposed pipes to allow warm air in your home to circulate.

In addition to these steps, you should know where your water shut-off valves are, as acting quickly in the event of a burst pipe could be critical in limiting resulting damage.

For more home and winter safety resources, contact us today.

Tips for avoiding vitamin D deficiencies

Given the shorter days and often unpleasant outdoor conditions of this time of year, many people may spend less time exposed to sunlight. This can lead to a vitamin D deficiency, which may cause bone issues, including osteomalacia in adults and rickets in children.

Limit potential vitamin D deficiencies in your family this winter with the following steps:

• Adjust your diet. Certain foods may be rich in vitamin D, including fatty fish (e.g., salmon and tuna), egg yolks, mushrooms, spinach, and soybeans. Additionally, certain products may be available in forms specifically fortified with vitamin D, such as milk and orange juice.
• Find outdoor opportunities. Monitor the forecast and schedule activities or errands for days when the sun will be out and temperatures will be milder, allowing you to safely spend more time outdoors.
• Consider supplements. Vitamin D supplements can help address or prevent deficiencies, but you should talk to your doctor, as your body’s exact needs are unique.

Contact our team today to learn more about maintaining your health and wellness this winter and throughout the year.

This newsletter is intended for informational use only and should not be construed as legal, financial, or medical advice. © 2025 Zywave, Inc. All rights reserved.