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 16 years ago. After joining QuoteWizard, he spent his first year and a half knocking out more than a hundred articles about all facets of the insurance industry as a senior content writer. Today, he serves as the company's managing editor and leads its team of five content writers.

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.

SR-22 FAQ

Worried about how an SR-22 will impact your car insurance? Read our guide to learn how to minimize the consequences of requesting the SR-22 DUI/DWI insurance form.

Classic Collector Exotic Car Insurance

All you need to know about obtaining insurance for antique cars, classic cars, collector cars, custom cars, exotic cars, luxury cars, and kit cars.

comprehensive car insurance basics

Here’s what you need to know about comprehensive car insurance coverage, which protects you if your car is damaged by something other than a collision.

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 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.

New Car

There are a lot of insurance-related considerations to keep in mind when buying or leasing a new vehicle, and not all of them are obvious. Here's everything you need to know about insuring a new car.

When to Switch Car Insurance Companies

Here are nine reasons, events, or circumstances when you should think about changing car insurance companies.

Common Car Insurance Mistakes

Learn how to avoid these 11 costly mistakes that consumers make when shopping for and buying car insurance.

Insurance for Leased Cars

Many people who lease a vehicle ignore how much insurance they’re going to have to buy, or how much it’ll cost. Here’s why that’s a problem, and what you need to know to keep from being blindsided when you go to sign a lease.

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.

College Students and Car Insurance

Here are 14 things that current or soon-to-be college students and their parents need to know about getting car insurance and keeping the cost of insurance premiums low.

Graduated Driver License

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

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.

11 Things You Need to Know About DWI DUI

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

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.

High Risk Car Insurance

If your driving record says you are a high risk driver, don’t despair, you can still get affordable auto insurance rates. Read on to learn how.

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.

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.

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.

ACV vs Replacement Cost

Many homeowners don't know the difference between 'Actual Cash Value' (ACV) and 'Replacement Cost' homeowners insurance policies. Don't be one of them.

Insurance Rider

A typical homeowners insurance policy limits the coverage of your most prized possessions. Learn how to fully protect your valuables with insurance riders or floaters.

Flood Insurance Basics

Standard homeowners (and renters) insurance policies don’t cover flood damage, even though floods are the most common natural disaster in the US. This contradiction puts many Americans at risk.

Home Inventory

Fully protect yourself against loss from theft and other disasters by making a comprehensive inventory of your belongings.

How To Get Hurricane Insurance

Hurricane damage to a house or property can be expensive. Really expensive. Here’s how you can get hurricane insurance to protect yourself.

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.

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.

When Not To File a Homeowners Insurance Claim

You pay for homeowners insurance so you can protect yourself if something should happen to your house or property. However, there are times when you’d be better off paying for repairs or replacements out of your own pocket.

Dog Breed Insurance Rates

Shopping for home insurance can be a challenge if you have a dog--especially if its breed is seen as dangerous. This guide will help you get a policy (and affordable rate) regardless.

Homeowners Insurance Claims Tips

For most people, insurance is something they purchase but hope to never use. Unfortunately, we are 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

College Students and Renters Insurance

Whether you live on campus or off, you're going to want to protect your stuff from fire, thieves, vandalism, and more. Renters insurance is the solution.

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.

Tenant Landlord Law

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

Roommates Insurance

Splitting a renters insurance policy could help you and your roommates save a few dollars a month, but it probably won't be worth it in the long run.

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.

Denied Health Insurance Claim

Here are the steps you should take if your health insurance company denies your 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.

Medigap Insurance Policy

Here is what you need to know before you buy, switch, or stop paying for a Medicare supplement (MedSup) insurance plan.

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.

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

When was this health-insurance-related law enacted, why was it enacted, what does it do, and what does all of this 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.

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.

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 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 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 that are on the market today.

Life Insurance Myths

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

Mortgage Life Insurance

Although mortgage life insurance may sound appealing, 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

If you smoke or use any kind of tobacco products and you want to get the best life insurance rate possible, 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.

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 necessarily 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 Pandora

This widespread storm brought snow, ice, frigid temps, and blustery winds to nearly half of the country in late February. It also caused a lot of damage, destruction, and even some deaths.

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