Tess Owen

Tess Owen

Health Insurance Writer

In Tess' time at QuoteWizard, she has covered a broad range of topics relating to insurance. Her primary focus is now health insurance, and has previously focused on renters insurance. Her past experience has seen her contribute to several publications, maintain social media accounts, and work in broadcast. Tess holds a journalism degree from Seattle University, where she covered a range of topics for campus newspaper the Spectator.

Articles By Tess

The General Auto Insurance Review: Good Choice for High-Risk Drivers (2020)

The General car insurance may be the best option for drivers with a poor credit score, bad driving record or previous insurance lapses.

Most Popular Cars Driven by Washington Drivers

We looked at the 10 most popular cars driven by millennials and baby boomers in Washington State.

States With the Highest Increase in Seat Belt Usage

QuoteWizard compared seat belt usage rates from 2000 to 2017 to determine which states had the highest increase in seat belt usage.

Washington Cities with the Most Distracted Drivers

Distracted driving is a major cause of accidents across the country, and Washington State is no exception. We’ve compiled a list of cities in Washington with the highest rate of distracted driving incidents. Find out if yours made the top 15 list.

Safest Driving Cities in Ohio

We used our own driver-data to determine the top 25 safest driving cities in Ohio. Did your hometown make the cut?

Best and Worst Drivers by State 2018

QuoteWizard analyzed more than two million data points with state fatality data to determine the best and worst driving states in the nation. How does your state rank?

Safest Driving Cities in Texas

Does your city know how to drive? QuoteWizard determined which Texas towns have the safest drivers. Find out if your city – or your rival city – made the cut.

When Cars Collide: America’s Most Car Accident-Prone Cities

Using over a million driver data points, QuoteWizard ranked cities with the highest rate of car crashes. How does your city stack up against the rest of the country?

Need for Speed: America’s Fastest Driving Cities

Quite a few drivers see the speed limit as more of a guideline than a rule. Which cities put the pedal to the metal more than others? QuoteWizard ranked America’s fastest driving cities.

Safest Driving Cities in Arizona

Here at QuoteWizard, we used our own driver-data to determine the top ten safest driving cities in Arizona. Did your hometown make the cut?

Safest Driving Cities in Washington State

We used our own driver-data to determine the top ten safest driving cities in Washington State. Did your hometown make the cut?

How Location Impacts Your Renters Insurance Rates

From metropolitan cities to other rural landscapes, the US offers a variety of places to settle down in. But what role does location play in protecting your possessions?

Renters Insurance for Seniors

Every renter needs renters insurance – including seniors. If you're a senior renter, check out how to save money and reduce risk by purchasing renters insurance.

A Guide to Car Insurance, According to Reddit

We've compiled the best car insurance advice from Reddit, including whether it's necessary and how much you should have.

SAIP Dollar a Day Insurance in New Jersey

Find out about dollar a day insurance, the car insurance program for Medicaid-eligible drivers in New Jersey.

SR-22 Car Insurance in California

Find out about SR-22 insurance in California, including how much it costs and why you need it.

Penalties for Driving Without Insurance in Georgia

Learn more about the implications for driving without insurance in Georgia, including fines and state driving laws.

What is Michigan 7-Day Insurance?

Learn about Michigan's 7-day car insurance policies: costs, legality, and alternative options.

Personal Injury Protection (PIP) Coverage in Florida

Learn about Personal Injury Protection (PIP) coverage, a required policy in Florida.

SR-22 Car Insurance in Texas

Learn about SR-22 car insurance in Texas, including how to get it and how much it costs.

SR-22 and FR-44 Car Insurance in Florida

Find out about SR-22 and FR-44 insurance in Florida, including why you need it and how much it costs.

Someone Broke into My Car, What Do I Do?

Find out what to do after a car break-in, including whether auto insurance covers theft and how to handle a broken window.

Penalties for Driving in New York Without Insurance

Learn about what happens if you decide to drive without car insurance in New York, including penalties, fines and criminal charges.

What is the Rhode Island Automobile Insurance Plan (RI AIP)?

Learn more about the Rhode Island Automobile Insurance Plan (RI AIP), including how to get coverage and eligibility requirements.

What is the Massachusetts Automobile Insurance Plan (MAIP)?

Learn more about the Massachusetts Automobile Insurance Plan (MAIP), including how to get coverage and eligibility requirements.

Is U-Haul Moving Truck Insurance Worth It?

Learn about U-Haul moving truck insurance, including whether it’s included in your standard car insurance or credit card insurance.

Exotic and Luxury Car Insurance

If you own an exotic or luxury car, you should buy full coverage car insurance to keep your investment protected.

What is the California Automobile Assigned Risk Plan (CAARP)?

Learn more about the California Automobile Assigned Risk Plan (CAARP), including how to get coverage and coverage limits.

Can I Insure a Car I Don’t Own?

Insuring a car that isn’t in your name is a complicated process, but you have a few different options to get coverage.

How Much is Insurance for a Tesla?

Teslas have higher car insurance rates than an average vehicle. Find out how much it will cost you to insure your Tesla.

Cheap No Down Payment Car Insurance

Buying no down payment car insurance seems like a good idea, but it’s not so simple. Here’s the truth about car insurance with no down payment.

Car Insurance Discounts for Retired and Senior Drivers

Find out everything you need to know about auto insurance discounts for seniors, including typical driving discounts and company-specific discounts.

Low-Mileage and Usage-Based Discounts on Auto Insurance

If you don't drive much, you can earn a low-mileage discount. Learn which companies offer it and how much you could save.

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.

Auto Insurance for Leased Cars

Find out how to avoid being blindsided by high insurance rates when you go to sign a car lease.

Buying Car Insurance for a New Car

Learn more about auto insurance before you visit a car dealership to buy a new car.

Buying Car Insurance Online vs From an Agent

Learn about buying car insurance online, including a comparison between shopping online or through an agent.

The Best Roadside Assistance Plans

This article reviews the best roadside assistance plans, including those through auto insurance companies, cell phone providers, credit cards and more.

How to Get Cheap Car Insurance

Take these easy steps to get the best cheap car insurance depending on your age, gender and the car you drive.

Car Insurance for a 20-year-old

Here's what you need to know about finding cheap car insurance as a 20-year-old.

How Much is Car Insurance for an 18-year-old?

Car insurance for 18-year-old drivers is expensive. Find out how much it costs, and how to get lower rates.

Is a Citation the Same as a Ticket?

Find out the difference between a citation and a ticket, how they impact insurance, and whether they go on your record.

Car Insurance Rates for Men and Women

Does gender impact your car insurance rates? Historically, women pay less for car insurance than men. But that could be changing...

Common Types of Car Insurance Fraud

Car insurance fraud is more common than you may think. It costs the insurance industry billions of dollars a year. Learn more about insurance fraud and what to do if you’re the victim of auto insurance fraud.

How Your Age Impacts Car Insurance Rates

Are you a seasoned driver or did you just get your license? Are you considered a youngster or elder? Find out how your age impacts your car insurance prices.

Does Car Insurance Cover Hitting Deer or Other Animals?

Millions of Americans hit animals every year while driving, and it can cause serious damage to a car. Does insurance cover those damages?

How Long Can You Stay On Your Parents’ Car Insurance Policy?

Find out how long you can stay on your parents’ car insurance policy, and how to save money when you get your own.

Glass Damage and Windshield Auto Insurance Claims

Windshield damage can be caused by anything from a rock to a break-in. Find out what to do if your glass chips, and when and how to file an insurance claim.

Cheap Car Insurance for High-Risk Drivers

Are you a high-risk driver with a terrible driving record? Don’t despair, many auto insurance companies offer cheap car insurance to high-risk drivers!

Auto Insurance for Senior Citizens

This article covers everything you need to know about auto insurance for seniors, including car insurance rates and how to reduce risk on the road.

How Car Make and Model Impact Auto Insurance Costs

Different cars have different insurance costs. Find out how the make and model of your car affects your auto insurance rates.

Credit Scores and Auto Insurance

If you have bad credit, you'll likely face higher than average car insurance rates. Find out how much higher, and why.

Car Insurance for Bad Drivers With Tickets or Accidents

If you have several tickets or accidents on your driving record, find out what car insurance options are available to you.

What is Pay-Per-Mile Car Insurance?

Do you only drive your car occasionally? Learn how pay-per-mile car insurance may help you save on auto insurance.

Why is Collateral Protection Insurance Forced After a Car Loan?

What is CPI and how does it work? This article covers lender-placed and forced auto insurance.

Best Car Insurance for First-Time Buyers

Find out how to save money and get the right policy when you buy your own car insurance for the first time.

What is Third-Party Car Insurance?

Learn about what third-party liability insurance covers, like bodily injury and property damage.

What is Bodily Injury Liability Car Insurance Coverage?

Learn about Bodily Injury auto insurance, including what a BI claim covers and what your policy limits should be.

Does Car Insurance Cover Vandalism if Someone Keyed My Car?

Find out what to do if someone keys, scratches or vandalizes your car and if it will raise your auto insurance rates.

Getting Cheap Car Insurance with No Deposit

Find out how to get cheap car insurance with no deposit, and whether it’s possible to get free insurance.

What is Mechanical Breakdown Insurance (MBI)?

Find out how much Mechanical Breakdown Insurance costs, if you need it and how it differs from extended car warranties.

What is the Texas Automobile Insurance Plan Association (TAIPA)?

High-risk drivers in Texas can use the Texas Automobile Insurance Plan Association (TAIPA) to get state minimum insurance coverage.

What is MAIF Insurance?

The Maryland Auto Insurance Fund aims to provide high-risk drivers with auto insurance. Find out more about MAIF in this article.

Car Insurance for Driving in Mexico

What you need to know about car insurance to drive in Mexico. Read about the laws and costs for Mexican car insurance.

Reimbursement for a Rental Car Through an Insurance Claim

Depending on who was at fault, there are several possibilities for who pays for a rental car after an accident.

What Is an Insurance Binder

An insurance binder offers temporary proof of insurance. Find out more about insurance binders in this article.

Personal Injury Protection (PIP) in New Jersey

Personal Injury Protection (PIP) is mandatory according to New Jersey law. Find out more about “no-fault insurance” in this article.

Do You Need Insurance to Register a Car?

Depending on what state you live in, you’ll likely need auto insurance to register your car.

How to Cancel a Car Insurance Policy

Are you thinking of canceling your car insurance policy? Here’s how to do it, how much it costs, and when to avoid it.

What Is a Car Insurance Deductible?

Your deductible is how much you pay out of pocket before your car insurance will cover your car’s damages. Find out how deductibles work and how to choose yours.

What is Comprehensive Car Insurance?

Comprehensive auto insurance coverage protects you if your car is damaged by something other than a collision.

What is Collision Car Insurance?

Learn about collision auto insurance coverage, which protects you if your car is damaged in a collision.

What is Full Coverage Car Insurance?

Learn what full coverage car insurance is, how much it costs, and whether you need to purchase it.

Rental Car Insurance Coverage

Avoid paying for unnecessary rental car insurance while also making sure you’re covered. Find out what car insurance coverage you need to stay protected and avoid what you don’t.

Rideshare Insurance for Lyft and Uber Drivers

Here’s what you need to know to make sure you have the required rideshare insurance when driving for Uber or Lyft.

What's an Umbrella Insurance Policy? Do I need One?

You may need more liability coverage than a typical insurance policy provides. Umbrella policies increase your liability.