About Car Insurance Guidebook

“What Your Agent NEVER Told You”

Car Insurance Guidebook provides an unbiased, independent perspective on buying car insurance.  We give solid information on policies by helping you get the best price, with the best company.

And we do it for free!

Fact is, consumers spend a small fortune insuring our cars in this country.  According to the NAIC, in 2005, the average cost of car insurance was $829.  In other words, if you have 2 cars in your driveway, that’s like buying a nice 54″ Plasma TV every year.  Not cheap.  If we can help you shave off expenses and get a better auto policy in place for you or your family, we’ve done our job.

We cover things like…

• Rates

  We show you who’s the cheapest and who’s the most expensive insurer out there.

• Research

  If you have a question about car insurance, we try to answer it.  If we haven’t, then send us a comment so we can start the discussion.

• Our Reviews

  How companies are treating customers – both before and after the call.  We give the lowdown.

• Customer Reviews

  Visitors post their experience with car insurance companies – the good, the bad, and the not-so-pretty.

The Editor

Todd Clay - Your Host

Todd Clay

The Car Insurance Guy

I’m a former insurance agent with the largest insurance company in the United States.  Although I don’t sell policies any more, I still like helping people learn about car insurance so they can make the best decision possible – and save money.

I earned my Bachelor’s from the University of Texas at Austin. I taught middle school out of college until I moved into the corporate world, then later into insurance. I’m a technology aficionado and a passionate researcher. I’ve specialized in insurance and other financial-related information.

I’m also married and we have 3 wonderful children.  My family and I live in Central Texas with access to the Hill Country, nearby bike trails, mild winters, hot summers, and a short drive to the coast.

Let me know if you have any questions.