MyInsuranceCalcs.com is an independent, free-to-use insurance education and cost estimation resource, founded and maintained by De Van Do. We build calculators and guides that help consumers understand insurance pricing and coverage decisions without requiring them to share personal data, create an account, or enter a sales funnel. The site is part of a network that also includes mytaxcalcs.com, myloancalcs.com, mypctcalculator.com, and visual-mortgage.com -- all built on the same principles: transparent math, no data collection, no lead generation.
De Van Do's background is in technology. MyInsuranceCalcs.com grew out of a curiosity about making insurance math and industry news more transparent for consumers, not a formal credential in insurance. De Van Do is not a licensed insurance agent, and nothing on this site constitutes insurance advice.
Insurance pricing is deliberately opaque. Carriers want you to call for a quote rather than understand the formula, because consumers who understand what drives a premium make more informed decisions and are harder to retain through inertia. Our goal is to make the formula visible. When you know that raising your deductible from $500 to $1,000 saves roughly 12 percent on collision coverage, or that an at-fault accident surcharge typically lasts three years, you can have a more productive conversation with a carrier or agent rather than simply accepting the first number quoted.
Our calculators use published actuarial benchmarks, regulatory rate filings, and industry survey data to produce realistic premium ranges. They are educational estimates, not binding quotes -- actual premiums from licensed carriers depend on your complete underwriting file, which includes data points we do not collect. But the estimates are grounded in real pricing data and give you a defensible starting point for evaluating real quotes.
We do not sell insurance. We do not hold an insurance agency license. We do not generate or sell leads to insurance carriers or agents. We do not collect personally identifiable information. Calculator inputs are processed entirely in your browser and are never transmitted to our servers. The site is supported by display advertising through Google AdSense.
Our blog covers insurance regulatory developments sourced from official publications -- the NAIC, CMS, state insurance departments, LIMRA, and other regulatory bodies. We cite primary sources in every post. Our guides are reviewed periodically to reflect regulatory changes. We do not accept sponsored content. We do not have affiliate relationships with insurance carriers. Our editorial independence is the foundation of our usefulness.