Insurance is confusing, frustrating, and expensive. Let’s change that.
Shopping for auto insurance isn’t anyone’s favorite anything. Comparing quotes can be time-consuming and confusing, especially when there doesn’t seem to be any rhyme or reason to the process, policies, or price.
The thing is, there are factors that change your rate, affect your policy, and contribute to your cost — you just haven’t been made aware of them. Until now.
Whether you’re in the market for a new car or shopping around before your current policy renews, or just curious about “the way these things work,” Semo has the answers you’ve been searching for.
30-40%
of Claims History Records are Inaccurate
Do you really know what determines your auto insurance rate? Unless you’re an insurance expert, probably not. And unfortunately, your ignorance is someone else’s profit. Even worse, up to 40% of the data that goes into determining your rate can be wrong.
Luckily, Semo is here to help you take the mystery out of the experience. We know shopping for a new policy can be time-consuming and even frustrating. That’s why we’re here to help you get the best rate on your new policy.
Everyone has a secret insurance score.
You might not realize it, but even the auto insurance
industry is keeping score — on you.
They tally up a number based on factors like your DMV history, where you live, and even your relationship status all to determine your insurance score. It can be confusing, but that’s where Semo steps in. We not only break down the factors that make up your score, we’ll show you how you can make changes that help you save time and money.
GET MORE OUT OF YOUR SCORE
Learn how to make your insurance score work for you. We’ll show you how to improve your score and use it to negotiate a better insurance rate.
DISCOVER WHAT MAKES YOUR POLICY…YOUR POLICY
You contain multitudes and so does your insurance policy. Find out what factors insurance companies consider when creating your policy.
YOU BETTER SHOP AROUND
Find out what you’re covered for (and what you’re not) and how knowing exactly what kind of coverage you need can save you time and money.
What Our Customers Are Saying
I was always confused about why my insurance rate was what it was. Seeing my data in an easy way made it become more important. Now I really understand what it means.
– Ted Campbell, TX
Frequently Asked Questions
Does seeing my Semo score impact my credit score?
Nope. The data we collect will not impact your credit score in any way. There are many factors that weigh more heavily into your Semo score, like your driving history, location, age, etc. But, don’t forget that better credit = less risk = lower rates.
How secure is my data?
We take security very seriously at Semo. We will never share or sell your data to anyone. Semo is for your eyes only, and we partner with ID.me (used by governments and secure facilities) to protect your data.
Where did you get my data?
The data we receive comes from public records associated with your driver’s license. We simply make it easier for you to obtain your records all in one place!
What do you do with my data?
We use your data to provide your unique Semo Score and personalized insights based on your attributes. Outside of that, we will never share or sell your data to anyone.
Are you giving this information to the insurance companies?
Every insurance company already has a risk score associated with you. They even use it against you. But we built Semo with the consumer in mind first. Think of Semo as your personal agent. We give you knowledge and personal insights, so you can make the best purchasing decisions for you and your family. Now, you can know about the “you” that insurance companies have seen about “you” for years.
How to Shop Smarter Online For Car Insurance
The internet has revolutionized the way we buy car insurance, but has left the average person without a guide in a very confusing forest. Semo can help. With online insurance shopping, everything is right at your fingertips. You can look for plans 24/7, easily compare multiple providers with a few mouse clicks and get coverage…
Insurance Terms Demystified
Choosing the right auto insurance policy means asking the right questions: How much coverage do I need? Where can I get the best rate? Who’s got the best customer service? Having to deal with unfamiliar and confusing insurance terms doesn’t help. It can be overwhelming. Especially when insurance policies seem to be written in a language…