Zebra releases auto insurability score to reveal how badly you actually drive


Everyone thinks they’re an excellent driver, but it’s just that auto insurance companies don’t treat them with the appropriate respect.

Well, The Zebra, the startup car insurance marketplace, just introduced a new tool called an insurability score to face folks with the cold hard facts of their truly terrible driving.

The tool lets drivers find out what data affects their insurance premiums, by how much and what they can do about it (probably, because it’s the insurance industry, nothing).

“For the 250 million drivers nationwide, auto insurance is both a major expense and a critical safeguard to protect them from disastrous events,” said Joshua Dziabiak, the founder and chief operating officer at The Zebra. “Until now, people have only been able to get rates from auto insurance companies, without any insight into what’s behind them, but they need to know what factors affect their individual risk, and what that means for their coverage and rates. Consumers have a lot more control over their car insurance than they might think.”

Auto insurance is opaque to me (I lived in New York for years and now that I’m in Los Angeles, I take Lyft when I need to go to meetings), but apparently most Americans are laboring under some serious misconceptions about their abilities behind the wheel.

The Zebra, which has raised more than $63 million in funding, used some of those venture dollars it raised from Mark Cuban, Ballast Point Ventures, Accel Partners and Daher Capital to survey U.S. drivers on a few things.

The results… as they say… will astound you.

It turns out although 81 percent say they have the car insurance they need, nearly all Americans don’t know what kinds of car insurance they need to have.

Only 21 percent scored a passing grade — above a “D” — based on their knowledge of factors that affect insurance rates.

There are roughly 40 factors that influence credit scores, including location, credit score, coverage history, highest level of education and marital status.

“At The Zebra, we’ve always prioritized making insurance ‘black and white’ and educating consumers, and these survey results reinforce that need for education more than ever before,” Dziabiak said. “Now with the Insurability Score, we’ve taken another step in personalizing that knowledge so consumers have a clear-cut and actionable way to positively impact their own insurance health.”

Read more: https://techcrunch.com/2017/10/24/zebra-releases-auto-insurability-score-to-reveal-how-badly-you-actually-drive/

Rain Man (1/11) Movie CLIP - I'm An Excellent Driver (1988) HD

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CLIP DESCRIPTION:
Charlie (Tom Cruise) discovers that the stranger sitting in his car with his girlfriend is actually his brother Ray (Dustin Hoffman).

FILM DESCRIPTION:
Self-centered, avaricious Californian Charlie Babbitt (Tom Cruise) is informed that his long-estranged father has died. Expecting at least a portion of the elder Babbitt's $3 million estate, Charlie learns that all he's inherited is his dad's prize roses and a 1949 Buick Roadmaster. Discovering that the $3 million is being held in trust for an unidentified party, Charlie heads to his home town of Cincinnati to ascertain who that party is. It turns out that the beneficiary is Raymond Babbitt (Dustin Hoffman), the autistic-savant older brother that Charlie never knew he had. Able to memorize reams of trivia and add, subtract, multiply, and divide without a second's hesitation, Raymond is otherwise incapable of functioning as a normal human being. Aghast that Raymond is to receive his father's entire legacy, Charlie tries to cut a deal with Raymond's guardian. When this fails, Charlie "borrows" Raymond from the institution where he lives, hoping to use his brother as leverage to claim half the fortune. During their subsequent cross-country odyssey, Charlie is forced to accommodate Raymond's various autistic idiosyncracies, not the least of which is his insistence on adhering to a rigid daily schedule: he must, for example, watch People's Court and Jeopardy every day at the same time, no matter what. On hitting Las Vegas, Charlie hopes to harness Raymond's finely-honed mathematical skills to win big at the gaming tables; but this exploitation of his brother's affliction compels Charlie to reassess his own values, or lack thereof. A longtime pet project of star Dustin Hoffman, Rain Man was turned down by several high-profile directors before Barry Levinson took on the challenge of bringing Ronald Bass' screenplay to fruition (Levinson also appears in the film as a psychiatrist). All three men won Oscars, and the movie won Best Picture.

CREDITS:
TM & © MGM (1988)
Cast: Tom Cruise, Dustin Hoffman, Gerald R. Molen, Valeria Golino
Director: Barry Levinson
Producers: Peter Guber, David McGiffert, Gerald R. Molen, Gail Mutrux, Jon Peters, Mark Johnson
Screenwriters: Barry Morrow, Ronald Bass

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