Erika Sommer

Erika Sommer

Junior Content Writer

Erika Sommer is a content writer for QuoteWizard. She focuses on evergreen content, as well as news articles and rate studies. She graduated with degrees in journalism and sociology from the University of Washington, and has been with QuoteWizard since July of 2015.

Articles By Erika

Understanding a Buying Cycle of Life Insurance Leads

Understanding why life insurance leads require a longer runway helps agents nurture their prospects and helps develop stronger relationships that are mutually beneficial.

Finding Health Insurance Leads in Uncertain Times

Finding new health insurance leads is especially tough in these uncertain times. Here are some ideas to help you rise above the noise and grow your agency.

Uninsured Underinsured Motorist Coverage

What happens if someone hits you and they don't have have enough insurance, or any insurance? Learn how to protect yourself from uninsured and underinsured motorists.

Umbrella Insurance Policies

Some people need more liability coverage than a typical car insurance policy can provide. For these people, an umbrella policy can be very useful.

Personal Injury Protection

Personal injury protection is perhaps the most misunderstood and unfairly ignored type of car insurance coverage. Read on to learn why it’s so important.

Car Insurance Myths Debunked

We debunk 12 common car insurance myths about auto policies, coverage, discounts, and the many factors used to determine your insurance rates.

Medical Payments Car Insurance Coverage

Medical payments coverage could be a critically important part of your auto insurance policy if you or your passengers suffer serious injuries in a car accident.

What is Accident Forgiveness and Should I Pay Extra for it

Insurers reward safe drivers with low premiums. And they punish people who’ve gotten into accidents by giving them higher rates. Accident forgiveness can help with the second situation.

Collision Car Insurance Basics

Have questions about collision coverage? From what it is and how it works, to how much coverage you need, we’ve got the answers.

Canceling Car Insurance in the Middle of a Policy Term

Thinking about canceling your policy in the middle of a term? We’ve provided a guide on how to do so.

How Your Car Affects Your Insurance Rates

Find out why some cars are more expensive to insure than others and what you should look for in a car to keep your auto insurance rates low.

Vehicle Safety Feature Discounts

Being safe on the road means auto insurance discounts. Learn how to save big by being safe.

How to Choose an Insurance Agent

Insurance Agents and brokers can be key to helping you get not only the right types of insurance, but the right amounts, too. Here’s some advice related to how you can find a great agent or broker.

Insurance for Used Cars

There are a lot of insurance-related questions and considerations to keep in mind when buying a used vehicle. Here are the most important things you need to know about insuring a previously owned car.

How to Choose a Car Insurance Company

Looking for (new) car insurance providers but have no idea where to start? Let us help you find the car insurance company that’s right for you, and your wallet.

How to Get Car Insurance with a Bad Driving Record

Having a hard time getting auto insurance because of your poor driving record? Read on to learn how you can find an affordable policy.

Car Insurance for Senior Citizen Drivers

Do seniors pay higher car insurance rates than younger drivers? How old is too old to drive? Are senior citizens more dangerous on the road? Read on to find out.

Getting Off Your Parents Car Insurance

Purchasing you own car insurance policy for the first time can be intimidating. This guide will help you make good decisions during the transition.

Insuring Salvage Cars with Rebuilt Titles

Insuring salvage cars or vehicles with a rebuilt title can be tricky. Find out why some insurers refuse to cover them and others charge higher rates.

What to do if You Get in a Car Accident

Getting in a car accident is a stressful situation. We’ve provided a checklist of the steps you should take if and when you’re in a car crash.

Are Passengers Covered by Your Car Insurance

What happens if a car accident injures your passengers? The answer may surprise you.

What to Do If You Are Hit by an Uninsured Driver

Here are the steps you need to take if someone who doesn’t have car insurance hits your vehicle and damages it or injures you.

Insuring Second or Vacation Homes

Obtaining homeowners insurance for second homes or vacation homes involves very different considerations than insuring your primary residence.

Homeowners Insurance Myths

Many well-known "facts" regarding homeowners insurance are, in fact, not true. These home insurance myths could cost you money or expose you to risk.

Earthquake Insurance Basics

Learn whether or not you need earthquake insurance, and find out how to protect your home from earthquake damage even if you don't have it.

Homeowners Insurance Liability Coverage

Homeowners liability coverage protects you from personal liability should someone injure themselves in your home and take legal action against you.

Choosing the Right Home Insurance Deductible

Choosing the right amount of homeowners coverage is a tough decision. Determining how much to set your deductible at can be even more challenging. This is why we’ve created a guide to help.

Drone Insurance

Learn how to insure your drone, and which type of coverage to get to protect both your drone and your finances from liability.

Homeowners Insurance and Home-Based Businesses

While many business owners assume their homeowners insurance will cover their at-home business, this often isn’t the case. Learn how to properly insure your home-based business.

Homeowners Insurance and Airbnb

Are you a homeowner renting out a room or home to Airbnb guests? Learn how to properly insure your dwelling.

Insuring Your Condo

Everything you need to know about home insurance for your condo, and HO-6 homeowners policies

How to File a Homeowners Claim When Someone Breaks into Your Car

Ever wondered if you can file a homeowners claim after someone breaks into your vehicle? Well, you can, and we’ve created a guide on how to do so.

Tree Damage and Homeowners Insurance

If you’re a current or potential homeowner, here’s all you need to know about what home insurance does and doesn’t cover when it comes to tree damage.

Why Homeowners Need Landslide Insurance Coverage

Standard homeowners insurance policies usually don’t cover landslide damage. Luckily, ‘Difference in Conditions’ policies do cover it. Here’s what that means and how you can get it.

Signs Overcharged for Homeowners Insurance

Find out if you're being overcharged for homeowners insurance and learn what steps you can take to get the best deal on your policy.

Homeowners Insurance First Time Buyers

What first time homebuyers need to know about homeowners insurance when shopping for a policy to protect their new investment.

Landlords Insurance

Learn why homeowners can’t rely on a standard home insurance policy to protect their property.

Homeowners Insurance for Older Homes

Do you own, or are you thinking of purchasing an older home? If so, read on to learn what you need to know about homeowners insurance and older homes.

Homeowners Insurance Cancelled or Not Renewed

Learn what to do if your homeowners insurance policy is cancelled or not renewed by your insurer and how to avoid being dropped in the first place.

Swimming Pools Trampolines Homeowners Rates

Trampolines and swimming pools can be fun. However, that fun comes with a higher price tag for homeowner’s insurance.

What to do if Your Home Insurance Claim is Denied

Homeowners insurance claim denials are more common than one might think. Here’s a guide for what to do if your insurer denies your claim.

Exotic Pets and Homeowners Insurance

There are major insurance implications for homeowners who want to keep exotic pets. Find out what you need to know before your unusual pet causes you major insurance headaches.

Renters Insurance Mistakes

Not buying the right type or amount of renters insurance can be costly. Learn how to avoid some common renters insurance mistakes.

COBRA Insurance Facts

Important facts and information about COBRA health insurance: How much it costs, who can get it, what's covered, and how long you can keep it.

Medicare Supplement Medigap vs Medicare Advantage

Selecting the right Medicare alternative can be confusing. This guide will help you choose between Medicare Supplement and Medicare Advantage.

Medicare Supplement Open Enrollment Tips

Signing up for Medicare Supplement insurance can be tricky. Read our helpful guide to make the process easier.

Medicare Open Enrollment

The Medicare annual election period, otherwise known as open enrollment, is the time of year when you can make important changes to your Medicare plan.

Medicare Part D

Medicare Part D can be confusing. We’ll help you sort through the details, to help you better understand how Medicare Part D works.

Which Obamacare Plan is Right for You

Are you shopping for an Obamacare health insurance plan? Learn which plan is right for you and your family’s health care needs

Is Employer-Provided Life Insurance Enough

Many employers offer life insurance as a benefit but the coverage provided is seldom enough to meet your family's needs should tragedy strike.

Which Type of Term Life Policy is Right for You

Not sure which term life policy to choose? We break down the different types of term life policies and tell you which ones fit your needs.

What to Do if You Cant Afford Life Insurance

Whether you’re the primary breadwinner, a divorcee, a homeowner, an empty nester, or a retiree, you need life insurance. But what happens if you can’t afford a policy? Keep reading to find out.

Life Insurance for People Who Enjoy Extreme Sports

Do you like rock or mountain climbing, scuba diving, or hang gliding? Those and other risky hobbies could keep you from getting affordable life insurance—if you can get it at all. Here are some solutions.

How to Save Money on Life Insurance

Here are a few of our favorite tips to help you save money when shopping for a life insurance policy.

How to Get Affordable Life Insurance with a High Risk Job

High risk jobs often lead to higher life insurance rates, but they don’t have to.

Questions for Your Life Insurance Agent

Whether you're in the process of purchasing a policy or are just interviewing someone to be your agent, here are some questions you should be asking.

Life Insurance for Smokers

Are you a smoker looking to purchase life insurance but worried about the cost? We’ve created a guide to help you get affordable life insurance.

How to Choose a Life Insurance Company

Having trouble narrowing down the many life insurance providers out there? Here are some tips to help you find a life insurance company that meets your needs.

Getting Divorced

Divorce could mean making changes to your life insurance. This could mean changing beneficiaries or insuring income for the ex and children Here’s everything you need to know about life insurance after divorce.

Life Insurance for People with Diabetes

Purchasing life insurance if you have diabetes can be difficult. Fortunately, there are companies willing to insure you, you just have to know where to look.

Life Insurance for People with Cancer

It can be difficult to obtain a life insurance policy after getting a cancer diagnosis, but it isn’t impossible. Learn how to obtain life insurance if you or a loved one has cancer.

Life Insurance for People with Mental Illnesses

It’s not as difficult as you might think to get a life insurance policy if you have a mental illness. We’ll show you how to get one.

Life Insurance for People with High Blood Pressure

Obtaining affordable life insurance when you have high blood pressure can be difficult, but it is possible. Let us show you how.

Study: Miami Florida Car Insurance Company Rates

It’s probably not a huge surprise to hear that Miami, Florida drivers with tickets or accidents pay an average of $550 more for car insurance each year than drivers with clean records. But did you know driving

Study: Chicago Illinois Car Insurance Company Rates

In Chicago, 18- to 24-year-olds with tickets and accidents on their records pay over $460 more a year on car insurance than the average driver.

500,000 Hoverboards Recalled over Fire Hazards

The Consumer Product Safety Commission takes action due to injury and safety concerns.

How to Stay Safe on the Road this July Fourth

Here are some tips to keep you and your family safe and secure on the road this holiday weekend.

Supply Dwindles as Insurers Merge or Exit Health Marketplace

Top health insurance companies are making major changes this year.

Study: Seattle Washington Car Insurance Company Rates

Did you know Seattle Washington women spend more than men on car insurance? This is a striking find, as the data bucks trends seen elsewhere.

How Rising Car Insurance Rates Could Affect You

Car insurance rates are on the rise. Learn what’s going on, how it could impact the cost of your car insurance, and what you can do about it.

Could a Dog Walking App be an Insurance Liability?

Are you protected from a potential liability if someone else is walking your dog?

New Federal Standards for Medicaid

Learn how some recent changes to Medicaid could impact your health care.

Californians: The Big One is Still Coming

In recent years, there has been a relative lack of publicity about an earthquake striking California. However, many scientists and geologists believe that a massive quake is coming.

What You Need to Know About the New Changes to Medicare Part D

Since its enactment in 2003 as a result of the Medicare Modernization Act, Medicare Part D has gone through continuous changes. This year has been no exception.

UNC-Chapel Hill Scientists Discover Potential Link to Southeast US Earthquakes

The 5.8 earthquake that hit the Southeast in 2011 was unusual. Now scientists have the tools to explain why.

Study: Denver Colorado Car Insurance Company Rates

Car insurance rates in Denver are on the rise. To find out how much they're increasing and why, check out the details of this new QuoteWizard report.

Top 10 Most Stolen Vehicles in 2015

Is your car one of the top 10 most stolen vehicles of 2015? You can find out here, as well as learn how to prevent a future theft.

National Preparedness Month: What You Need to Know, What You Need to Do

QuoteWizard News: If an earthquake, tornado, or even a terrorist attack was to hit your city, would you be ready for it?