Bryan Ochalla

Bryan Ochalla

Managing Content Editor

Bryan Ochalla has been a writer and editor in various capacities and for numerous outlets since graduating from the University of Wisconsin–Madison just over 18 years ago. Since joining QuoteWizard, he has both written and edited hundreds of articles about all facets of the insurance industry. Bryan currently serves as the site’s primary producer of health content, though he also regularly writes about homeowners and renters insurance.

Articles By Bryan

Why Legal Minimum Car Insurance Is Not Enough

Your state's legal liability car insurance minimums aren't likely to offer you, your loved ones, or the other drivers on the road much protection.

Gap Insurance

Gap insurance is optional coverage that can help pay off your auto loan if your vehicle is totaled or stolen.


What is an SR-22? Who needs it? Where do you get it? How much does it cost? Learn all you need to know about SR-22 insurance here.

Non-Owner Car Insurance

What is non-owner car insurance? Where do you buy it? How much does it cost? Here are answers to those and other questions.

Cant Afford Insurance

Can’t afford auto insurance? Here’s how to lower your premiums and also keep the coverage your state requires.

Classic and Collector Car Insurance

If you have a vintage car, protect it with specialized auto insurance coverage. Here’s why, plus where you can get it.

Uninsured Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage protects you if another driver hits you and doesn't have enough or any insurance.

Medical Payments Car Insurance Coverage

MedPay covers some of your medical bills and funeral costs if you’re in a car accident, even if you have health insurance.

Car Insurance and Moving to a New State

You may have to get a new car insurance policy after you move to another state. You have a set amount of time to do it.


If you’ve been in a car accident, you may know all about subrogation. If you haven’t, here’s what you need to know about the subrogation process.

Caught Driving Without Insurance

If you’re caught driving without car insurance, expect legal punishment. Most states penalize you in one or more ways.

Car Accident Without Insurance

Whether or not you cause it, you could face fines, license or registration suspension, jail time, lawsuits, and more if you get in an accident without car insurance.

Negotiating Car Value After Claim

Don’t like the settlement you get after a car accident? Here's how to negotiate a better payout with your insurance company.

Temporary or Short-Term Car Insurance

Can you buy temporary car insurance? Usually not, but you can cancel standard policies early. Here's all you need to know.

What Is a Loss Payee

If you take out a loan to buy a home or car, you’ve got to list the lender as a loss payee on your insurance policy. Here’s how you do that plus some other important info on loss payees.

Does Insurance Cover Ambulance Trip

Ambulance rides are expensive. Insurance often covers them, but not always—and not always fully.

What are Car Insurance Scores

If you want to get the best car insurance rate, you need a good car insurance score. Here’s what that means and how you can raise your score.

What is a Car Insurance Declaration Page

The declaration page tells you everything you need to know about an insurance policy.

Adding a Driver to Your Car Insurance

Here’s all you should know about adding a driver to your insurance policy – how you add them, how much it costs, and more.

Buying a Car Without Insurance

You can buy a car without insurance, but you may not be able to drive it home. Here’s how to buy a car with no insurance.

How Long After a Car Accident Can You File an Insurance Claim

Your insurance company might say you need to file a claim within 24 hours of a car accident, but you have more time than that.

Car insurance policy number

A car insurance policy number ties your coverage to an insurer. Here’s what it means, what it’s used for, and how to find it.

SR-22 Insurance Illinois

You may need SR-22 insurance in Illinois after you’re convicted of a serious driving offense. Find out how to get it.

SR-22 Insurance Tennessee

You may need SR-22 insurance in Tennessee after your driver’s license is suspended. Here’s where you can get it, how much it’ll cost you, and more.

Insurance Without a License

You can buy car insurance with no driver’s license, but it's not so simple. Here's how to get unlicensed insurance.

Car Insurance With a Permit

You can get insurance with a learner’s permit. But you may not need your own policy if you live with someone who’s insured.

SR 22 Insurance in South Carolina

You may need SR-22 insurance in South Carolina if your license is suspended. Here’s how much it costs and where you can get it.

Same day car insurance policy

Need car insurance ASAP? Like, today? You can get same-day coverage from most insurance companies by following this advice.

Low Income Auto Insurance

If you’re on a low income and can’t afford car insurance, state programs, common discounts and less coverage might help.

What Are Diminished Value Claims

A car’s resale value drops after it’s damaged in an accident. Filing a diminished value claim can make up for that loss.

How to Fight Traffic Tickets

Learn why you should fight traffic tickets, as well as the best strategies for keeping speeding and other moving violations off your driving record.

How Points Affect Car Insurance Rates

Tickets and traffic violations can add points to your driving record, but what does that mean exactly? Learn how points can impact your car insurance rates.

Telematic Devices Car Insurance Rates

More and more companies are offering 'usage-based insurance' or 'pay as you drive' programs. Read on to learn how this works, as well as what it could mean for your rates.

When to Fight Traffic Ticket

Sometimes it makes more sense to challenge a traffic ticket. Sometimes it makes more sense to just pay the fine. Here are some examples of both situations.

Car Insurance Rate Factors

Here’s everything you could need or want to know about the many factors that affect car insurance rates.

Why Did My Car Insurance Rates Go Up

Wondering why your car insurance went up? Here are the most common reasons for auto insurance premium increases.

Distracted Driving Equals Dangerous Driving

Using your cell phone isn't the only activity that's dangerous when you're behind the wheel. Learn about others, and why they're so distracting—and even deadly.

Insuring Salvage Cars with Rebuilt Titles

Insuring a salvage title car or a car with a rebuilt title can be tricky. Here’s why, plus how these branded titles affect insurance and more.

Graduated Driver License

Learn why states offer graduated driver’s licenses, what they (usually) consist of, and how they lower the teen accident rate.

What To Do if Your Car is Stolen

Someone steals a vehicle every 46 seconds in the US. Here are the steps you should take if yours goes missing. Also, here is what your auto insurance will and won’t cover.

Does Car Insurance Cover Flood Damage

Car insurance usually pays to repair the expensive damage caused by flooding, but only if you carry comprehensive coverage.

How to Save Money on Teen Car Insurance

Insuring teen drivers is expensive, but you can save money on your premiums if you read this article and try some of these simple tricks to lower your rates.

Car Insurance Claims Tips

If you crash your vehicle or you're otherwise involved in an accident, you're going to have to file a claim with your insurance company. Here's what you need to know about the claim process.

Car Insurance for New Drivers

Buying insurance as a new driver can be confusing and expensive. Here’s how to get the right policy at the right price.

11 Things You Need to Know About DWI DUI

Serious penalties, like losing your license and your car insurance coverage, can follow a DUI, DWI, or OUI conviction. Here are some tips for dealing with this situation.

Salvage Title Insurance

You might save some money buying a salvage-title vehicle, but you also might have a hard time insuring it. Or you might pay more for that coverage than you would for a “clean” car. Here’s all you need to know about getting insurance for a salvaged auto.

How Coverage Lapses Affect Rates

If your car insurance lapses, you may face fines, higher rates, or policy refusal when you buy coverage again.

Red Light Speeding Cameras

Getting a ticket from a speed or red light camera will cost you. In many states, these photo tickets won’t be added to your driving record. But will they cause your car insurance rates to go up?

how long does speeding ticket stay on driving record

Speeding tickets usually stay on your record for three years. Here’s why, plus how long tickets affect your insurance and more.

When Do Car Insurance Premiums Go Down

Car insurance rates usually go down as you age. They also go down as you gain driving experience or do any of these other things.

Best Car Insurance Companies

Here are the best auto insurance companies for customer service, families, seniors, military members and more.

Car Insurance FAQ

QuoteWizard provides answers to Frequently Asked Questions about car insurance to help you get the best rates on a policy that’s right for you.

Save on Car Insurance

Car insurance doesn't have to be expensive. Check out our list of 11 ways to save money on car insurance and lower your insurance rates today.

When to Switch Car Insurance Companies

Here’s all you need to know about when you can change auto insurance providers, why you should consider it and how to do it.

How to Compare Car Insurance Rates

You must compare car insurance rates if you want to get the best deal. Here are some insights into why it’s important, what you should do, and mistakes to avoid while shopping around for car insurance.

Good Driver Discount

Do you have a clean driving record? If so, see if your car insurance company gives discounts for good or safe driving. It could save you hundreds of dollars a year. Here’s how to get one.

What to Do if You are an Injured Passenger in a Car Accident

The car insurance of the driver who causes a crash usually pays the medical bills of injured passengers, but not always. Here’s all you need to know about this situation.

What to Do After Someone Hits Your Parked Car

Did someone hit and damage your parked vehicle? Here’s what you need to do about it, plus how it might affect your car insurance rates.

Should I Take My College Student Off My Car Insurance

Here’s when you should keep a child on your car insurance policy after they start college, and when you should take them off your policy.

Jeep Wrangler Insurance

Jeep Wrangler insurance is surprisingly cheap. Find out just how cheap it is, why it’s so cheap, and more.

Rideshare insurance florida

You need rideshare insurance if you’re a Lyft or Uber driver in Florida. Find out how much you need, and how much it costs.

Rideshare insurance california

You need rideshare insurance if you’re a Lyft or Uber driver in California. Here's how much you need and how much it costs.

Penalties driving without insurance tennessee

You’ll face fines and other penalties if you drive without the state minimum amount of car insurance in Tennessee.

New Jersey personal automobile insurance plan

High-risk drivers in New Jersey can use the Personal Automobile Insurance Plan to get state minimum insurance coverage.

Penalties driving without insurance Illinois

You’ll face fines and other penalties if you drive without the state minimum amount of car insurance in Illinois.

Georgia automobile insurance plan

High-risk drivers in Georgia can use the Georgia Automobile Insurance Plan to get state minimum car insurance coverage.

Insurance for modified cars

Does standard car insurance cover modified vehicles? Or do you need special coverage for modded cars? Find out here.

Penalties for driving without insurance in florida

Get caught driving without car insurance in Florida and you could face fines, license suspension and higher premiums.

Penalties for driving without insurance in california

Drive without car insurance in California and you could be fined, lose your driving privileges and pay higher auto premiums.

Penalties for driving without insurance in texas

Drive without car insurance in Texas and you could be fined, have your license suspended and pay higher auto premiums down the road.

Home Insurance Basics

Here’s what you need to know if you’re in the market for homeowners insurance coverage to protect your biggest investment - your home.

How To Get Tsunami Insurance

Tsunamis aren’t common, but when they do happen, they usually cause a lot of damage. Here’s how you can protect yourself, your home, and your car.

Tax Deductions for Homeowners Insurance

In most cases, homeowners insurance premiums aren't tax-deductible. There are times when you can write off these payments, however. Here are all the important details of those situations.

Save On Home

Want to to lower your home insurance rates? Here are 19 Ways to Save Money on Home Insurance and lower the cost of your homeowners policy.

Home Insurance FAQ

Got questions about home insurance? We have answers. Read on to learn what every homeowner needs to know about protecting their home and belongings.

Homeowners Insurance Mistakes

Failing to buy the right amounts or kind of homeowners coverage can cost you dearly. Read on to learn how to avoid some common homeowners insurance mistakes.

15 Things Homeowners Insurance Doesnt Cover

You may think home insurance protects you from any damage to your home, but there are many hazards a standard homeowners policy doesn’t cover. Find out how to best protect your home.

Co-op vs Condo vs Homeowners Insurance

Co-ops, condos, and houses are all homes, but you don’t insure them with the same insurance policies. This article explains the differences between homeowners, condo, and co-op insurance.

When Not To File a Homeowners Insurance Claim

You pay for homeowners insurance to protect yourself if something happens to your property. But there are times when you’d be better off paying for repairs out of your own pocket, rather than filing a claim.

Homeowners Insurance Claims Tips

For most people, insurance is something they purchase but hope to never use. Sadly, we're not all so lucky. Storms come, accidents happen, and fires start.

Smart Home Technology Homeowners Insurance

Our homes are more ‘connected’ than ever before, but what does that really mean for you, your wallet, and your home insurance? Read on to find out.

Climate Change and Homeowners Insurance

Learn how climate change is impacting homeowners insurance in the U.S., how it’s likely to continue impacting it in the future, and how insurers are preparing for it (or not).

Homeowners Insurance Common Natural Disasters

Every region of the USA has natural disasters. Learn how homeowners insurance protects you from severe weather and catastrophic events

Mortgage Company Withholding Homeowners Claim Settlement

In some cases, mortgage lenders withhold homeowners insurance claim funds to ensure the money is used to repair or replace a damaged or destroyed home.

Filing homeowners Claim After Robbery

Most homeowners insurance policies will come to your aid if someone breaks into your house and damages or steals your stuff. Here are the steps you have to take to make that happen.

Additional Living Expense Coverage

Did you know that most renters policies will cover some of your expenses if a disaster forces you to relocate temporarily? Here's everything you need to know about this “loss of use” portion of your plan.

Actual Cash Value vs Replacement Cost

What are actual cash value and replacement cost renters insurance policies? How they differ from each other? And which one should you choose? You'll find answers to those and other questions here.

Tenant Landlord Law

What you need to know about tenant-landlord law whether you're a renter or property owner.

Unmarried Couples

Everybody says renters insurance is a 'must buy.' But is that still the case when two people in a relationship want to share one of these policies?

Renters Insurance Crisis

There are more Americans renting homes or apartments today than there have been in decades—but the majority of them don’t have renters insurance. Here's why that's a problem.

How to File a Renters Insurance Claim

Although filing a renters insurance claim isn't difficult, going about it the wrong way can result in wasted time, a lower payment, or even a denial. Here's what you need to do to successfully file a claim on your renters insurance policy.

Create an Inventory for Renters Insurance Claims

Not only are these lists and records helpful, but they're also easy to make. Here's why you need a "home" inventory if you're a renter and how you can get started on one today.

Policy Rate Factors

A number of factors determine how much you pay for a renters insurance policy. Here's everything you need to know about them and how they impact your monthly premiums.

Bundling Auto and Renters Insurance

Learn how to get multi-policy discounts by bundling your renters and auto insurance policies.

I Need Health Insurance

Looking to enroll in a new individual or family health insurance plan? Don’t submit an application for health insurance until you read this!

Common Health Insurance Mistakes

Learn how to avoid 10 common but costly mistakes people often make while shopping for health insurance coverage.

Health Insurance and Children

Here are the main options available to you if you’re a parent looking to obtain health insurance for one or more of your children.

Pick the Right Health Insurance

Not sure how to choose a health insurance plan that’s right for you? We can help.

Different Kinds of Health Insurance

Looking for health insurance but don’t know an indemnity plan from a Preferred Provider Organization? We’ve got you covered.

Health Insurance Open Enrollment Tips

Feeling overwhelmed about the Obamacare open enrollment period that begins on Nov. 1? Here are 10 tips that will help you choose the health insurance plan that’s perfect for your needs and budget.

Health Insurance and College Students

If you are, or are going to be a college student, you have many options when it comes to getting health insurance coverage while keeping costs low.

Dispute Medical Bills and Claim Denial

Here’s how to file an appeal if your health insurance denies your medical bill or insurance claim.

Long Term Care Basics

Long-term care is expensive, and this type of insurance can help you pay for some or all of the services provided by long–term care.

Health Insurance and Senior Citizens

Seniors have more options when it comes to obtaining health insurance than any other segment of the population. Here’s some information about, and expert advice for, each of them.

Long Term Care Insurance

Don't buy long-term care insurance until you read these answers to the most frequently asked questions about long-term care insurance.

Cadillac vs Catastrophic Health Plans

Although both of these types of health policies begin with a "c," that's nearly all they have in common. Keep reading to learn more about them how they differ from each other.

Coverage for Part Time Employees

Here are your options if your job doesn't provide health insurance coverage.

What Kinds of Mental Health Care Does Health Insurance Cover

Today's health insurance plans do a better job than ever of covering mental health services and treatments. Here's why and how they provide that coverage.

Understanding EOB Statements

You know that Explanation of Benefits (EOB) statement your health insurance company sends out after you visit a doctor, clinic, or hospital? Here's how you can make sense of all the information included on it.

Medical Insurance Coverage and Travel Abroad

Getting ready to go on an international vacation or trip? Make sure you know what your health plan will or won't cover if you visit a doctor or hospital abroad before you leave.

Travel Medical and Emergency Medical Evacuation Insurance

Consider buying either Travel Medical, Emergency Medical Evacuation Insurance, or both of these products if you want to be covered while traveling outside the U.S.

Weight Loss Treatments

Millions of Americans are overweight and even obese. That means millions of people in the U.S. need to lose weight. Here's all you need to know about whether or not your health plan covers various weight-loss treatments and services.

Physical Therapy

There's no question physical therapy helps millions of people relieve pain, restore function, and improve mobility each year. That doesn't mean health insurance always covers its costs, unfortunately. Here's all you need to know about how these plans treat--or don't treat--this kind of care.

Alzheimers and Dementia Care

Experts expect the number of people living with some type of dementia to skyrocket in the coming years. Will health insurance or Medicare cover all the related costs if you're one of them? It depends on the plan, your financial situation, and more.

Health Insurance Subsidy

As long as Obamacare continues to exist, you can save money on health insurance coverage via premium tax credits if you meet certain criteria. Here's everything you need to know about these important subsidies.

Child Only Health Insurance

Child-only health insurance might seem strange, but a lot of youths need it. Here's everything you need to know about these plans to get the best coverage for the best price. (If you have to pay for it at all.)

Abortion Coverage

Where you live has a lot to do with whether or not you have access to health plans that cover abortion. Also important: whether you get insurance through a job, the federal and state marketplaces, or programs like Medicaid and Medicare.

Prescription Drugs and Medications

Although most U.S. health plans cover medications, they don't always do so in the same ways or to the same extent. Here's everything you need to know about how different health insurance plan types deal with prescription drugs.

Preventive Health Care Coverage

Here's everything you need to know about how different health plans cover--or don't cover--various forms of preventative health care.

Prosthetic Coverage

Millions of Americans need artificial body parts to lead active lives. Most health plans pay at least some of the related costs, but that's not the whole story. Here's all you need to know about how insurance covers prosthetic devices.

Which Treatments Are Covered

From mental health care to physical therapy, not all plans are created equal. Find out which treatments are covered by your health insurance plan and which are not.

How to Pick a Health Plan

Here's everything you need to know about the different types of plans you're likely to come across as you shop for health insurance.

How Much Does Health Insurance Cost

What you pay for health coverage depends on many factors. Find out how much health insurance costs and how you can pay less!

Flu Shots and Vaccinations

Immunizations do more than keep people healthy. They also keep people alive. That isn't the only reason insurance usually covers them, but it is a big one. Here's all you need to know about health plans, shots, and vaccines.

ER Urgent Care or Doctor

Going to the ER for medical care is expensive. Yet millions of Americans do it every year. Here's why that is--and why you should go to an urgent care center or a doctor if your illness or injury isn't an emergency.

Maternity Coverage During Pregnancy

For many people, giving birth is the single most important yet expensive healthcare event in their lives. Having proper health insurance and maternity coverage is vital for expectant mothers.

Choosing The Best Health Coverage For Pregnancy

If you're going to have a baby, you need health insurance. But what kind of plan best covers all of the costs of pregnancy? And how can you get that coverage if you don't already have it? Here's all you need to know to get the best health plan for your pregnancy.

Medical Coverage After Pregnancy and Birth

You probably already know that most U.S. health plans cover a lot of prenatal care. But did you know they cover a lot of postnatal care, too? Here's all you need to know about the many services and treatments insurance usually covers after you have a baby.

Typical Pregnancy Costs

Having a baby can be expensive--even if everything goes as planned. Here's how much various components of a "typical" pregnancy tend to cost and how your health plan is likely to cover (or not cover) them.

Unexpected Pregnancy Costs

Having a baby is stressful and expensive enough without throwing unexpected costs and issues into the mix. Thankfully, U.S. health plans cover quite a few of them.

Alternative Birth Option Coverage

Although most women in the U.S. deliver babies in a hospital, that's far from their only option these days. They don't have to rely on doctors or obstetricians either. Doulas and midwives are increasingly common, as are birthing centers as well as home and water births. Here's how health plans tend to treat them.

Dental Care Coverage

Here is everything you need to know about how various kinds of U.S. health plans tend to cover--or, in many cases, not cover--dental care.

Short Term Health Insurance

Which medical services do these temporary health plans cover? What don't they cover? How much do they cost? Who should and shouldn't buy them? Here are answers to those questions and more.

Low Cost Health Insurance

Health insurance isn't known for being overly cheap, but that doesn't mean it's impossible to find affordable plans that will properly cover you and your loved ones. Here are a number of options to consider.

Vision and Eye Care Coverage

Much like dental and hearing care, standard health plans in the U.S. rarely cover vision care. Why is that the case? And what other insurance options are available to Americans who want to cut their eye-care costs? Keep reading for answers to both questions and many more.

Birth Control and Contraceptives

Women (and men) who want or need to use birth control have a ton of options these days. But do U.S. health plans usually cover those contraceptives? You’ll find answers to that question and many others in this article.

Hearing Aids and Hearing Tests

Hearing loss is a fact of life for millions of Americans, yet U.S. health insurance plans provide spotty coverage for hearing tests, hearing aids, and the like. Here's all you need to know about why that is and what you can do about it.

Therapy and Counseling

Millions of Americans seek professional help for mental health issues every year. Many others could benefit from doing the same, but don’t for various reasons. Can health insurance help cover some or even all of these costs?

Deductibles and Out-of-Pocket Maximums

Along with copayments and coinsurance, these are two of the most basic components of a health insurance plan. What are the differences between deductibles and out-of-pocket limits?

Medical Alert Systems

What are medical alert systems? How do they work? Who needs them? Who sells them? How much do they cost? And, perhaps most importantly, does health insurance cover them? You’ll answers to those questions and others here.

People with Disabilities

If you have a disability, having good health insurance is a must. Find out what insurance covers disabilities, and how you can get covered.

Essential Oil Aromatherapy

The history of essential oils dates back thousands of years. But does health insurance cover those treatments? You’ll learn about that and more here.

Plans for Individuals

Individuals have more options than ever when it comes to getting health insurance away from a job. But which individual health insurance plans are the best in this kind of situation? And where can you buy them?

Sleep Disorders

Many people have trouble one of several well-known sleep disorders. Here’s what you need to know about how health insurance covers sleep disorders

Tax Deduction Claims

Health insurance is expensive. You can make it less so, though, if you deduct some of what you spend on it from your taxes. Here’s all you need to know about when you can and can’t write off health insurance expenses as well as how you can do so.

Sports Medicine

If you’re injured doing something athletic, you may have to see a sports medicine specialist for treatment. But will health insurance cover the initial visit and any resulting care? It depends on your policy and even on your injury, as you’ll learn in this article.

Asthma Coverage

Asthma can be a complicated condition to treat and manage. And those complications often make living with the chronic disease expensive. Health insurance provides some relief, but only if you have the right plan. Here’s all you need to know about how various US health plans do and don’t cover asthma care.

Cosmetic Surgery

Millions of Americans go under the knife every year to enhance their appearance in one way or another. Does health insurance cover those procedures?


Do you have some form of health coverage? Do you need chiropractic care? If your answer to both of those questions is "yes," you may be in luck. Most health insurance plans pay at least some of the costs of these treatments.

Occupational Therapy

Occupational therapy helps people regain life skills lost through injury or illness. So, health insurance should cover it, right? Yes, most health plans do cover it – but how they do so can vary widely.

Medical Marijuana

The sad and simple truth: no, it won’t. Not yet, at least. This article explores health insurance, medical marijuana, and what the future looks like.

Qualifying Life Events

Did you miss buying health insurance during the yearly open enrollment period? You can still get coverage during a special enrollment period. To qualify for one, you need a “change in situation.” Here’s what that means and what you can do about it.


Millions of people rely on orthotics to lead active, pain-free lives. Although some health plans will help you pay for these braces, supports, and other devices, many will not. Here's all you need to know about how, when, and why insurance does and doesn’t cover orthotics.


Most health plans now cover this common disease to some degree. But what should you consider while buying health insurance if you have diabetes? You’ll learn about that and more.

Pre-existing Conditions

By law, most health insurance plans have to cover people with pre-existing conditions. But which plans are the best? Which ones are the worst? And which ones don’t have to cover those conditions? You’ll find answers to all these questions and more here.

Why is My Health Insurance So Expensive

Americans pay a lot of money for health care. Why is that? What causes insurance to cost so much? And what can you do to combat your sky-high bills? This article answers all those questions and more.

High Deductible Health Insurance

What is high-deductible health insurance? How is it different from other kinds of health insurance? And can you save money with a high-deductible health plan? You’ll find answers to each of those questions and many more in this article.


Does insurance cover chemotherapy? It does, but that’s just part of the story. Here’s everything you need to know about how different health plans cover this cancer treatment, how much it costs with and without insurance, and how cancer insurance fits into the picture.

Domestic Partnership Health Insurance

It’s easier than you might think to get health insurance for unmarried couples. Here’s everything you need to know about how to get it and how it differs from other health coverage.

Health Insurance Open Enrollment

Here are all the dates, deadlines and details you need to know to get health insurance coverage for 2020.

Medigap Insurance Policy

What is Medicare supplement insurance? How do Medigap plans differ? Here are answers to those and other MedSup questions.

Medicare Part F

Of all the Medicare Supplement plans available to Americans at the moment, the one often called Plan F is the most popular. Why is that? What does it cover? And what does it cost? Here are answers to those questions and many more.

Medicare Part G

If you’ve heard of this Medicare Supplement plan but know nothing about it, this article is for you. Here’s everything you need to know about Medicare Supplement Plan G.

Best Medicare Supplement Companies

Here are 10 of the best Medicare supplement insurance companies to consider while shopping for a Medigap plan.

Medicare Vs Medicaid

What is the difference between Medicare and Medicaid? Here’s what they cover, who can get them, how much they cost and more.

Medicare Open Enrollment

Medicare open enrollment is the time of year when you can make important changes to your Medicare coverage.

Medicare and Mental Health Coverage

Millions of Americans deal with mental illness every year. Although Medicare and Medigap cover some related treatments and drugs, they don't cover all of them.

medicare medigap medical care-foreign countries

Here's when and how these insurance policies for older Americans do and don't cover getting health care outside the U.S.

Ultimate Guide to Medicare Advantage Plans

You've likely heard of Medicare Advantage if you're over a certain age. But do you really understand what it is and what it covers? If the answer is 'no,' this article's for you. It'll tell you all you need to know about these increasingly popular plans.

Ultimate Guide to Medicare

Do you have questions about the U.S. health insurance program known as Medicare? You'll find answers to all of them here.

Understanding Medicare Coverage Options

Health insurance choices change when you turn 65. Let us help you find your ideal plan.

Is Original Medicare Enough

Original Medicare covers a lot of medical treatments and services, but it doesn't cover everything. Here are some supplemental insurance plans you can buy to get the full health coverage you need.

Lowering Your Medicare Costs

The older you get, the more you pay for healthcare. That's true even when Medicare's safety net protects you. Here are some things you can do to save money on medical costs as you age.

Does Medicare Cover Medical Equipment and Devices

Original Medicare helps older (and some younger) Americans pay for a lot of things, but does it help them pay for these and other medical devices, equipment, and supplies? Read this article to find out.

Assisted Living

A lot of Americans rely on assisted living in their golden years. So of course, Medicare, Medicare Advantage, or Medicare Supplement plans cover its costs, right? Actually, the answer to that question may surprise you.

Nursing Homes

Will Medicare, Medicare Advantage, MedSup, and other health plans help you pay for nursing home care? As is often the case with this kind of coverage, the answer here is “it depends.”

Medicare and COPD

Millions of Americans are living with chronic obstructive pulmonary disease, or COPD. Most rely on numerous drugs, treatments, and services to keep symptoms under control. That can be expensive. If you’re on Medicare, though, it’ll cover a lot of those costs. Here’s how – and what you can do if it doesn’t cover enough.

Medicare and Hospice Care

Thankfully, Medicare pays for most hospice care if you meet certain conditions. Here’s when and how Medicare covers hospice costs.

The Best and Worst Health Insurance Exchanges

About half of US states set up ‘exchanges’ to help their citizens obtain health insurance in the wake of the Affordable Care Act’s passage. Here are the best and worst ones.

Health Insurance Co-ops

Created by the Affordable Care Act, these cooperatives were supposed to expand Americans’ health insurance options. Some did, but many others failed. Here’s why, and what that means for you going forward.

Is Obamacare Working

The Affordable Care Act turned the American healthcare system on its head when it became the law of the land in 2010. The question is: did it do so in a good or bad way? It depends on who you ask.

Obamacare Coverage Gap

Several states decided not to expand Medicaid resulting in the Obamacare Gap. Find out what it could mean for you if you live in one of these states.

Obamacare Myths Misunderstandings

Six years after it was signed into law, "Obamacare" continues to spawn myths and misinformation, as the following 16 misconceptions prove.

Public Option Health Insurance

Obamacare: When was this health-insurance-related law enacted, why was it enacted, and what does it do. What does the Affordable Care Act mean for you and your family? Read on to find out…

Life Insurance Basics

This type of insurance can help you secure the financial future of your loved ones.

Life Insurance FAQ

Answers to our most frequently asked questions about life insurance. If you have a question, we have an answer.

Fixed Deferred Annuities

Fixed Deferred Annuities can be confusing, so you’ll probably want to learn as much as you can about them before you purchase one.

Life Insurance Tips

This information will help you decide how much coverage you need, how long you’ll need it, and what you can afford to pay.

Permanent or Term Life Insurance

Learn the differences between term life insurance and permanent life insurance so you can pick the one that's right for you and your family.

Common Life Insurance Mistakes

Learn how to avoid these 13 common but costly mistakes many people make when they buy life insurance.

Types of Whole Life Insurance

Read this if you're having a hard time making heads or tails of all the different kinds of whole life, permanent, or cash-value life insurance products.

Life Insurance Myths

“On a long enough timeline, the survival rate for everyone drops to zero.” — Chuck Palahniuk

Mortgage Life Insurance

Mortgage life insurance may sound appealing. But you should probably ignore it unless you have a sizable mortgage, or you're unable to afford or obtain traditional life insurance due to health issues.

How to Choose a Life Insurance Beneficiary

Designating beneficiaries for your life insurance policy is a big deal. Learn how to choose beneficiaries and avoid making mistakes that could lead to problems down the road.

Why People Dont Buy Life Insurance

Many people could benefit from a life insurance policy but still choose not to purchase one. Learn why they should give life insurance another look.

How Much Life Insurance Do You Need

Here are figures and calculations you should consider when determining how much life insurance you need to buy in order to protect your loved ones.

Life Insurance and Tobacco Use

Everyone wants to get the best life insurance rates possible. If you smoke or use any kind of tobacco products, read these tips before you shop around.

Why Young People Should Buy Life Insurance

Life insurance tends to be viewed as a product that young people—especially single ones who don’t have children—don’t need. But there are a number of reasons for them to buy it.

Having a Baby

There may not be a more compelling reason to buy life insurance than having a baby. As is the case with being a parent, though, there's a lot to learn and consider.

Getting Married

Most married couples without children think they don't need life insurance, but many of them could benefit from it.

Life Insurance After Retirement

Do you really need to own or buy life insurance after you retire? It depends. Here are some examples of when you need it and when you don’t.

No Exam Life insurance Pros and Cons

Most life insurance policies require a physical exam, but some can be had without one. While they tend to be much more expensive, there are times when they make sense.

Life Insurance Rate Factors

Learn which factors have the largest impact on life insurance premiums, along with ways to potentially lower your life insurance costs.

Life Insurance and Pre-Existing Conditions

These nine pre-existing conditions can make it difficult, if not impossible, for you to obtain life insurance. Our useful tips that can help you get it anyway.

Life Insurance for People with Health Issues

If you have cancer, diabetes, heart disease, or other pre-existing conditions, this doesn't exclude you from being covered by life insurance.

Want to Save Money on Flood Insurance? This Bill Should Help

The Flood Insurance Market Parity and Modernization Act clarifies that mortgage lenders can accept private flood coverage.

Fatal Car Crashes Tied to Marijuana Spike in Utah and Washington

Keep reading to find out why this is happening, how DUI testing for pot falls short—and what you can do to protect yourself.

Lyft and GM to Road Test Self-Driving Electric Taxis Within a Year

Details are sparse, but it’s clear the two companies are working on something that could transform the auto and transportation industries.

Is Your Vehicle a Top Safety Pick?

Check out the Insurance Institute for Highway Safety’s list of 2016 Top Safety Picks. It could save your life—and save you money.

This Device Can Tell Whether You Were Texting and Driving

Police officers may soon carry devices that can detect whether cellphone use contributed to a traffic accident.

UnitedHealth Exiting Most Obamacare Exchanges

The biggest health insurer in the US will offer coverage through only a handful of state exchanges in 2017.

How to Find Rideshare Car Insurance Companies and Policies By State

Do you drive for Uber or Lyft, or are you thinking of doing so? This comprehensive article details which insurance companies in each state will cover you while you’re on the job.

Life Insurance Now Available for People with HIV

Prudential broke down barriers by entering this underserved market in late 2015 with 10- and 15-year term life policies.

Climate Change Blamed for Most Coastal Nuisance Floods in US

If that isn’t bad enough, experts say the situation’s only going to get worse for Americans who live near the Atlantic and Pacific oceans.

Most Americans Support Life Insurance Ownership

Recent study finds a majority of US adults are willing to recommend life insurance. Also, most see the need for it, and many are thinking of buying it.

Worst Natural Disasters of 2015: Winter Storm Thor

The second historic winter storm in Kentucky in as many months dropped up to 25 inches of snow in some places. Here’s how else it impacted people who live there and in nearby states, as well as how you can protect yourself from similar weather this year.

Worst Natural Disasters of 2015: Winter Storm Juno

‘Blizzard 2015’ may have been a dud in New York and New Jersey, but it hit other states in the region pretty hard. Here’s how it affected them, and how you can protect you, your car, and your home from the same.

Worst Natural Disasters of 2015: Great Plains Tornadoes

As many as 75 tornadoes blew through Kansas, Nebraska, Oklahoma, and Texas between May 5 and May 10. Thankfully, it didn’t cause as much death, damage, or destruction as similar storms have in the past.

Worst Natural Disasters of 2015: California Wildfires

Although more than 8,000 fires swept through the Golden State this year, a small handful caused most of the resulting damage.

Worst Natural Disasters of 2015: Winter Storm Goliath

This deadly weather system battered nearly half of the US with tornadoes, rain, ice, and snow as the year wrapped up.

Worst Natural Disasters of 2015: Washington’s August Windstorms

Unseasonably strong winds caused two deaths, a number of injuries, and a lot of other chaos and damage throughout the Pacific Northwest this summer.

Worst Natural Disasters of 2015: Washington Wildfires

Wildfires burned over 900,000 acres in Washington this year. Here’s how it impacted that state's residents plus some advice for people elsewhere.

Worst Natural Disasters of 2015: Utah Flash Floods

Flash floods swept through the southwestern part of the US in September due to a weakening hurricane. When the water finally subsided, at least 20 people were dead.

Worst Natural Disasters of 2015: South Carolina Floods

Up to two feet of rain caused historic flooding in South Carolina and other nearby states in October 2015. Experts estimate it caused over $2 billion in economic losses.

Why Your New Hoverboard Is an Insurance Nightmare

Did you give or get one of these self-balancing scooters as a gift over the holidays? Here’s how these trendy gadgets could impact your insurance.

The Supreme Court Ruling on Same-Sex Marriage and Its Insurance Implications

Here’s how gay and lesbian couples are impacted from an insurance perspective thanks to the recent Supreme Court ruling that made same-sex marriage the law of the land.

The Insurance Implications of the Supreme Court’s Ruling on Obamacare Subsidies

The US Supreme Court recently ruled that the Affordable Care Act can continue to provide subsidies to all qualifying Americans. Here’s what that means for you and your health insurance plan.

Could Self-Driving Vehicles Kill Car Insurance?

A growing number of experts think the rise of driverless vehicles will impact auto insurance in a big way.

Pothole Damage Costs US Drivers $3 Billion a Year

Potholes affect millions of Americans annually. Here’s why they’re so widespread and how you can protect yourself from them.

Are You Prepared for a Major Pacific Northwest Earthquake?

How likely is such a quake, anyway, and how will—or won’t—your homeowners insurance protect you if and when one hits? Read on for answers to both of those questions and more.

Insurance Implications of Obamacare’s Transgender Protections

Once finalized, this rule will solidify and strengthen protections aimed at transgender Americans in healthcare settings.

11 Reasons to Quit Smoking in 2016

Giving up cigarettes and other tobacco products provides you with a ton of benefits. Here are 11 of them.

More Than 47 Million US Vehicles Have Open Safety Recalls

That covers nearly 20 percent of the cars, trucks, vans, and other autos in America. Here is why it’s such a big deal and what you should do about it.

Forget El Niño, 2016 is All About La Niña

2015’s El Niño was the strongest in decades. Some experts think a similarly strong La Niña could impact the US this year. Here’s what that might mean for our weather and your insurance coverage.

A ‘Super El Niño’ is Developing in the Pacific … Do You Have Enough Insurance?

This El Niño may be the strongest of the last 50 years. Here’s what that means for your region as well as for your home and homeowners insurance.

What Does Lingering El Niño Mean for US Tornado Activity in 2016?

Do you live in California or Florida? You may see more twisters than usual this year. If you live in Tornado Alley, though, you might get a reprieve.

Americans Divided Over What to Do About Obamacare

A recent poll suggests there’s more support for retaining and building on the Affordable Care Act than repealing or replacing it

Wildfires Caused More Damage Than Ever in 2015

Natural disasters only caused an average amount of destruction in the US in 2015 – except for wildfires, which did more damage than ever before.

Hitting the Road this Labor Day? Here are 15 Ways You Can Stay Safe and Secure

Don't get behind the wheel this weekend until you've prepared for these traffic, driving, and car insurance problems and situations.

QuoteWizard Once Again Named One of Washington’s Best Workplaces

Puget Sound Business Journal recognizes Seattle-based company as one of the state’s greatest places to work for the second year running.

QuoteWizard Again One of the Fastest-Growing Inner-City Businesses in the US

This is the fourth straight year the Initiative for a Competitive Inner City has singled out QuoteWizard for revenue growth and innovation.

Top 10 US Cities for Car Theft in 2013

If you live in one of these 10 cities with the highest vehicle theft rates reported in 2013, you'll probably want to make sure your car is fully insured

Top 10 US Cities for Car Theft in 2012

If you live in one of these top 10 US cities with the highest rates of vehicle theft in 2012, you'll probably want to make sure your car is fully insured

Most and Least Expensive 2013 Vehicles to Insure

If you're shopping for a new vehicle and the cost of car insurance matters to you, check our list of the top 10 most expensive cars to insure first!

Top 10 Most Stolen Vehicles in 2013

If you own one of the 10 most stolen vehicles in the US in 2013, make sure you are fully covered by your car insurance in the event of theft