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

8 Things You Need to Know About Cars with Rebuilt Titles

Buying cars with rebuilt titles can save you serious dough. But is it worth the risk? Find out what you need to know before you commit.

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.

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.

Life Insurance For People With 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.

How Life Insurance Companies Calculate Your Rates

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

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 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.

Life Changes and Life Insurance: Getting Married

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

Life Changes and Life Insurance: 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.

Why Young People Should—or Shouldn’t—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.

8 Things to Know About Tobacco Use and Life Insurance

If you smoke or use any kind of tobacco products, read these tips before you shop around for life insurance.

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.

10 Reasons People Don't 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 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.

Thinking About Buying Mortgage Life Insurance? You may Want to Think Again

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.

Life Insurance Myths Debunked

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

The Many 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.

13 Common Life Insurance Mistakes

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

What are the Differences Between Term Life and Whole 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.

20 Things You Need to Know and Consider Before Buying Life Insurance

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

15 Things You Should Know Before You Buy a Fixed Deferred Annuity

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 FAQ

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

Life Insurance Basics

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

Understanding the Affordable Care Act

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…

16 Obamacare Myths & Misunderstandings

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

The 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.

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.

All You Need to Know About 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.

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.

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.

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.

Health Insurance and 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.”

Do Health Insurance or Medicare Cover 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.

Does Medicare Cover Medical Equipment and Devices Like Scooters, Hospital Beds, and Blood Sugar Monitors?

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.

Lowering Your Medicare HealthCare 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.

Is Medicare Enough? What’s Covered and What's Not Covered?

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.

Understanding Your Medicare Coverage Options

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

The Guide to Medicare: Everything You Need to Know

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

The Guide to Medicare Advantage Plans: Everything You Need to Know

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.

Do Medicare, Medicare Advantage, or Medigap plans pay for medical treatments in 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.

What Kinds of Mental Health Care Do Medicare and Medigap Cover?

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.

Everything to Know About Medicare Open Enrollment 2021

Here are all the dates, deadlines and details you need to know about Medicare open enrollment for 2021.

Medicare vs. Medicaid: How They Differ

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

The Best Medicare Supplement Companies

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

Medicare Part G: What Does It Cover? What Does It Cost?

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.

Medicare Part F: What Is It? What Does It Cover? What Does It Cost?

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 Supplement and Medigap Plans FAQ

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

What to Know About Health Insurance Open Enrollment 2021

Here are all the dates, deadlines and details you need to know to get health insurance coverage for 2021.

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 and Chemotherapy

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.

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.

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.

Health Insurance for People with 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.

Health Insurance for People with Diabetes

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.

Health Insurance and Orthotics Coverage

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.

Health Insurance Special Enrollment Periods and 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.

Does Health Insurance Cover 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.

Does Health Insurance Cover 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.

Does Health Insurance Cover Chiropractors and Chiropractic Care?

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.

Does Health Insurance Cover 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?

Health Insurance for People with Asthma

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.

Health Insurance and 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.

Health Insurance and 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.

Does Health Insurance Cover 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

Health Insurance 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?

Health Insurance and 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.

Health Insurance for 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.

Does Health Insurance Cover 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.

Understanding Health Insurance 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?

Does Health Insurance Cover Therapy or 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?

Does Health Insurance Cover 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.

Health Insurance and Birth Control or 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.

Health Insurance 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.

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.

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.

Does My Health Insurance Plan Cover Dental Care?

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.

Alternative Birth Options and Health Insurance 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.

Unexpected Pregnancy Costs and How Health Insurance Covers (or Doesn't Cover) Them

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.

Expected Pregnancy Costs and How Health Insurance Covers (and Sometimes Doesn't Cover) Them

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.

What Does Health Insurance Cover After Pregnancy?

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.

How to Choose the Best Health Insurance Plan for Your 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.

Maternity Health Insurance 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.

Health Insurance: When to Use the ER and When to Use Urgent Care

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.

Will My Health Insurance Cover Flu Shots and Vaccinations?

Most health plans cover flu shots and other vaccines, including employer, marketplace, Medicare and Medicaid plans.

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!

How to Pick a Health Insurance 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.

Which Medical Treatments Are Covered By Health Insurance?

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.

Will My Health Insurance Pay For Prosthetics?

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.

Health Insurance and Preventive Care

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

Will My Health Insurance Pay for My 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.

Health Insurance and Abortion Coverage: Do Health Plans Pay for an Abortion?

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.

Everything You Need to Know About 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.)

What is the Health Insurance Subsidy and How Do I Qualify for It?

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.

Does Health Insurance Cover Alzheimer's 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.

Does My Health Insurance Cover 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.

Does My Health Insurance Cover 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.

Everything You Need to Know about 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.

Does Health Insurance Cover Your Medical Care When You 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.

Understanding Explanation of Benefits (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.

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.

How can I get health insurance if I'm a part-time employee?

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

Cadillac vs. Catastrophic Health Insurance 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.

Long-Term Care Insurance FAQ

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

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 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.

How to Dispute Medical Bills and Health Insurance Claim Denials

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

The Best Affordable Health Insurance for 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.

Which Type of Health Insurance Plan is Right for You?

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

11 Questions That Will Help You Pick the Right Health Insurance Plan

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

Health Insurance for 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.

10 Common Health Insurance Mistakes

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

Everything You Need to Know to Apply for 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!

How to Bundle Your Auto and Renters Insurance

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

13 Renters Insurance 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.

Renters Insurance for 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?

Why Is My Mortgage Company Withholding My Home Insurance Claim Settlement Money?

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.

Smart-Home Technology and 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.

Tips For Handling Home Insurance Claims

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.

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.

15 Things Homeowners Insurance Doesn’t 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.

16 Common 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.

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.

Non-Owner SR-22 Insurance

Yes, you can get SR-22 insurance without a car. Here's how to get non-owner SR-22 insurance, how much it costs and more.

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.

SR-22 Insurance in Illinois

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

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 Florida

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

Insurance for Modified Cars

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

What is the Georgia Automobile Insurance Plan (GAAIP)?

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

Penalties for Driving Without Car Insurance in Illinois

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

What is the New Jersey Personal Automobile Insurance Plan (NJ PAIP)?

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

Penalties for Driving Without Car Insurance in Tennessee

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

Rideshare Insurance in 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.

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.

Rideshare Insurance in 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.

Jeep Wrangler Insurance

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

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.

What to Do If You Hit a Parked Car

Will your insurance rates go up if you hit a parked car? What if someone hits your parked car? Here’s what to know and what to do in both cases.

What to Do if You’re 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.

Best Home and Auto Insurance Companies for Bundling

When you bundle home and auto insurance with one company, you can save a lot of money. Here are the best insurers for bundling.

Good Driver Discount for Car Insurance

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.

When Should You 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 Lower Car Insurance

Want to save money on car insurance? Here are several ways you can lower your rates and make your coverage more affordable.

Best Car Insurance Companies of 2020

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

Average Cost of Car Insurance in 2020

Our research shows the average cost of minimum car insurance is $641 a year in the U.S. Full coverage costs $1,255 a year, on average.

Best Car Insurance for Teens

Teen car insurance is expensive, but you could save money on coverage if you get it from the right company.

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.

How Long Does a Speeding Ticket Stay on Your Driving Record?

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

Red Light Cameras, Speeding Cameras, and Car Insurance Rates

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 Car Insurance Coverage Lapses Can Affect Rates

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

How Does a DUI Affect Car Insurance Rates?

Learn about how much a DUI affects insurance rates, how long a DUI affects insurance rates and more.

What Happens When You Get a DUI

Serious penalties, like losing your license and seeing your car insurance rates skyrocket, often follow DUI convictions.

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.

Does Car Insurance Cover Flood and Water Damage?

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

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.

Graduated Driver License Programs for Teen Drivers

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

How To Insure Cars With A Salvage or Rebuilt Title

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.

Distracted Driving is 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.

Why Did My Car Insurance Company Raise My Rates?

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

Car Insurance Premium Rate Factors

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

When to Fight a 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.

Telematics Devices and 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.

How Driver's License "Points" Affect Your 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.

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 Much Car Insurance Do I Need?

Most people who own and drive a vehicle need at least some car insurance. Here’s when you need it and how much you need.

Do I Have to Have Car Insurance?

Most states and lenders require car insurance. Here’s what you need to know about when you have to have car insurance and why.

The 10 Largest Car Insurance Companies

Find out which car insurance companies are the largest in the market (and why it matters).

SR-22 Insurance in Ohio

You may need SR-22 insurance in Ohio if the state suspends your license. Here’s what it costs and where you can get it.

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.

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.

Same Day Car Insurance

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

Can You Get 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.

Can You Get 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.

SR-22 Insurance in 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.

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.

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.

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.

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.

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.

Does Insurance Cover Ambulance Rides?

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

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.

Short-Term or Temporary Car Insurance

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

Negotiating the Value of Your Car with an Insurance Company After an Accident

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

What Happens if You’re Caught Driving Without Insurance?

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

What is Subrogation for Car Insurance Accident Claims?

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.

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.

What is No-Fault Insurance and How Does it Work?

In no-fault states, drivers are compensated by their own insurance companies for injuries after accidents, no matter who caused the crash.

What is 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.

Uninsured and Underinsured Motorist Coverage

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

Antique, Collector and Classic Car Insurance

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

What If I Can't Afford Car Insurance?

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

No Car, But Still Drive? Get 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.

What is an SR-22 Insurance Policy?

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.

What Is Gap Insurance? How Does Gap Insurance Work?

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

Why Minimum Liability 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.