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

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.

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.

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.

What is Full Coverage Car Insurance?

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

What is Collision Car Insurance?

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

What is Comprehensive Car Insurance?

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

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.

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.

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.

What Is an Insurance Binder

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

How to Get a Car with No Credit

If you don’t have a credit history, you can still get a car. Find out how to buy, lease, loan, or finance a car with no credit score.

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.

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.

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.

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 Mechanical Breakdown Insurance (MBI)?

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

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.

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.

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.

What is Third-Party Car Insurance?

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

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.

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.

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.

What is the Make and Model of a Car?

Learn more what you car's make, model, year, trim level and body style are. Plus, how they impact your insurance rates.

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.

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.

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.

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.

Cheap Car Insurance for College Students

Find out what college students and their parents need to know about keeping car insurance premiums low.

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!

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.

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.

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 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.

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.

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...

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.

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.

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 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.

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.

Buying Car Insurance Online vs From an Agent

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

Buying Car Insurance for a New Car

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

Auto Insurance for Leased Cars

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

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.

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.

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.

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.

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.

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.

The Best Way to Buy a Used Car from a Private Seller

Buying a used car from a private seller is a good way to save money and avoid the stress of a car dealership.

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.

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.

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.

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.

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.

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.

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.

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.

SR-22 Car Insurance in Texas

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

Personal Injury Protection (PIP) Coverage in Florida

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

What is Michigan 7-Day Insurance?

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

Penalties for Driving Without Insurance in Georgia

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

SR-22 Car Insurance in California

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

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.

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.

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.

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?

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?

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?

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.

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?

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.

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 Ohio

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

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.

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.

Most Popular Cars Driven by Washington Drivers

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

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.