Don’t miss today's insurance-focused #CreditChat. We’ll be joined by Quiana Darden-King | Writer + Editor, Shannon Martin, and Danny Zavala: experian.com/blogs/news/abo…

For all those new to #CreditChat, follow along the #tweetchat by replying A1, A2, A3…etc. to the corresponding question and don’t forget to add #CreditChat to your response! We are excited for today’s chat.

A1: Why do we buy phone cases? Not because we plan to drop our phones—but just in case!📱Insurance (Ins.) is like your financial phone case: you hope you never need it, but when life drops the unexpected, you’ll be glad you’re covered. #CreditChat

A2: A great poet once said “You better check yourself before you wreck yourself.” Start by doing a self-check—where are you now, & where are you headed? Your ins. needs change as your life does: single, maybe just auto. New place, add renter’s. Family, call me #CreditChat

A3: Ins. premiums depend on your risk factors (age, driving record, gender, etc.). Some things you can’t control, like your age. You can’t suddenly be 35 when you're 16. You can act 16 when you're 35, but that's a different topic. Check out Experian’s Rate Monitoring. #CreditChat

A4: Consider other drivers. About 1 in 7 drivers on the road have no ins. & in some states, it’s 1 in 4! So when picking auto ins., don’t just think about yourself—think about everyone else out there. Make sure you have enough protection to protect you from other. #CreditChat

A5: Home ins. is all about protecting your space & what’s inside it. Key parts: dwelling coverage (your house), personal property (your stuff), liability (if someone gets hurt), & extra living expenses (if you can’t stay at home after a claim). Don’t forget add-ons. #CreditChat

A6: Review your ins. at least 1 month before your renewal & always after big life changes: new home, marriage, kids, new job. Don’t let your policy go on autopilot—good news is, Experian’s Rate Monitoring keeps an eye out for better rates & alerts you automatically. #CreditChat

A7: Bundle your policies (auto + home or renters), adjust your deductibles, & ask about discounts—good driver, student, married, etc.! Review your policy before renewal & after life changes to avoid paying for what you don’t need & turn on Experian Rate Monitoring 😉 #CreditChat

A8: The #1 mistake is not having ins. #2 is not shopping to ensure you have the best coverage & rate. Besides that, not reviewing your policy as life changes, skipping the details, & being underinsured—especially with new cars or growing families. #CreditChat

A9: Do a quick life inventory & policy check—has anything changed? Identify any gaps, and don’t be afraid to call your agent or broker for help. And if they don’t help you. Call Experian or visit us on the #Experian App, we can help. #CreditChat

A10: Don’t just go for the lowest price—focus on the right coverage for your life, budget, & risk tolerance. Ask questions & take your time. Experian believes in Financial Power to All™. Call us to review your coverages with you, even if you don’t buy from us. #CreditChat