Insurance Coverage

Coverage Tailored to Your Unique Needs

Different Type of Insurance

There are many types of insurance coverage. This includes auto, home, health, and life insurance coverage. Understanding what each type of coverage is, and the laws around insurance requirements, can help you make smart choices when purchasing a policy.

This comprehensive guide will explore several types of insurance coverage, including tips on how you can get cheaper rates. Also covered are federal and state insurance laws that pertain to the leading insurance coverages.

Types of Car Insurance Coverage

Liability Insurance
Liability insurance covers damage you cause to other people or their property when you are at fault in an auto accident. It consists of two main coverages:
    • Bodily Injury Liability – Pays for injuries to others caused by an at-fault accident, including medical bills, lost wages, pain, and suffering. The coverage is usually provided in split limits, for example, $100,000/$300,000, meaning $100k per person injured, up to $300k per accident.
    • Property Damage Liability – Covers damage to another person’s vehicle or property, up to a specified limit, if you cause an accident. Limits are commonly $50,000 or $100,000.

Liability insurance is mandatory in nearly every state, although minimum requirements vary. For example, Florida requires drivers to carry at least $10,000 in bodily injury coverage per person, $20,000 per accident, and $10,000 for property damage. Meanwhile, Alaska requires $50,000/$100,000 for bodily injury and $25,000 for property damage.

Uninsured And Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage protects you if you’re in an accident caused by a driver who doesn’t have sufficient insurance. There are two types:

  • Uninsured Motorist Bodily Injury – Covers injuries to you or your passengers if the at-fault driver has no insurance or flees the scene.
  • Underinsured Motorist Bodily Injury – Provides additional coverage if the at-fault driver’s liability limits are insufficient to fully cover your damages.
This coverage is mandatory in some states, although you can reject it in writing in other states. When required, the state will dictate minimum UM/UIM coverage limits.

Collision Insurance Coverage

Collision coverage pays to repair or replace your vehicle if it’s damaged in an accident with another car, or object, or as a result of rollover, vandalism, or natural disaster. It will cover repair costs up to the actual cash value of your car, minus your deductible. Collision is an optional coverage, but lenders often require it for financed vehicles.

Comprehensive Insurance Coverage

Comprehensive coverage is optional insurance that pays for vehicle damage from non-collision-related events including theft, vandalism, falling objects, fire, floods, hail, earthquakes, riots, animal collisions, and more. Like collision, it covers repair costs up to the actual cash value, minus your deductible. Some lenders require drivers to carry comprehensive if they finance a car.

GAP Insurance Coverage

GAP insurance covers the difference between what your car is worth and what you owe, in the case of a total loss. For example, if your car is totaled and your insurance settlement is $15,000, but you still owe $18,000 on your auto loan, GAP would pay the $3,000 difference so you are not left with leftover debt. It is often offered when financing a new car, but can also be purchased separately from most insurance companies.

Rental Car Reimbursement Coverage

This optional coverage pays for a rental car if your insured vehicle is in the shop after an accident. It covers rental costs up to a specified limit per day or maximum benefit amount. Some credit cards also offer rental car coverage.

Roadside Assistance Coverage

Roadside assistance provides help with lockouts, towing, jumpstarts, flat tire changes, fuel delivery, and other emergencies while traveling. It’s usually provided 24/7 without any deductible. Some insurers include it automatically with collision and comprehensive coverage.

Rideshare Coverage

Rideshare insurance provides coverage for Uber, Lyft, and other rideshare drivers while they are working. It combines commercial and personal auto policies to protect drivers in three periods:

  1. App open, no passenger – Covers damages to your car if you get in an accident while waiting for a ride request.
  2. Passenger in car – Provides higher liability limits and damage coverage for accidents while transporting riders.
  3. App off, no passenger – Your regular personal policy applies when fully off duty.

Non-Owner Car Insurance Coverage

Non-owner auto insurance provides liability coverage for drivers who don’t own a car. It can apply to drivers who borrow or rent vehicles, teens who drive a parent’s car, employees using a company car, or vehicle owners who want extra liability protection while their car is in the shop or stolen.

Classic or Antique Car Insurance Coverage

Specialty insurance for classic and antique vehicles provides agreed-upon value coverage where you and the insurer determine the car’s value upfront. It also includes coverages like spare parts, tools, emergency roadside service, and limited usage. Eligibility is based on the car’s age, condition, mileage, and other factors.

Insurance Coverage For High-Risk Motorists

High-risk auto insurance provides coverage options for drivers with poor driving records, DUI convictions, no prior insurance, or other factors that make them too risky for standard insurers. Specialty high-risk companies offer policies at increased rates to accommodate the elevated risk level.

Auto Insurance Requirements

Liability insurance minimums are mandated federally under the Motor Carrier Act of 1980 for commercial vehicles over 10,000 lbs and transporting goods across state lines. Interstate truckers are required to carry at least $750,000 in liability coverage. The Federal Employee Liability Reform and Tort Compensation Act sets a $20 million cap on liability claims against federal employees driving motor vehicles on government business.

Each state sets its own car insurance coverage laws:

  • Florida – $10,000 bodily injury per person, $20,000 per accident; $10,000 property damage
  • New York – $25,000/$50,000 bodily injury, $10,000 property damage
  • California – $15,000/$30,000 bodily injury, $5,000 property damage
  • Texas – $30,000 bodily injury per person, $60,000 per accident; $25,000 property damage
  • Hawaii – $20,000/$40,000 bodily injury, $10,000 property damage
  • North Carolina – $30,000/$60,000 bodily injury, $25,000 property damage
  • Michigan – Unlimited personal injury protection and $10,000 property damage

Some states allow exemptions or alternative ways to meet requirements for high-risk drivers. For example, New Hampshire and Virginia allow drivers to pay a fee instead of maintaining insurance. Florida has a state-run uninsured motorist fund for injuries caused by uninsured drivers. Overall, liability insurance laws aim to ensure drivers can cover accident-related damages so victims don’t bear the costs.

Penalties for Driving Without Auto Insurance Coverage

Driving without mandatory insurance is illegal nationwide. Penalties vary across states but can include:
  1. Fines – $500-$5000 typically, sometimes much higher for repeat offenders
  2. Loss of license and registration – Suspended temporarily or revoked until requirements are met
  3. Impoundment of vehicle – The car may be impounded until insurance is verified
  4. Jail time – Rare but possible in some states for repeat offenses
  5. Higher insurance rates – Dropped or canceled policies lead to high-risk premiums
The penalties are severe because uninsured drivers impose costs on others and the system. Maintaining continuous coverage is essential to avoid the consequences of a lapse.

Tips That Will Help You Get Cheaper Car Insurance Coverage

  1. Compare quotes from multiple insurers. Rates can vary dramatically so shop around to maximize savings.
  2. Opt for a higher deductible. This will lower your premiums but you pay more out-of-pocket on claims.
  3. Limit your mileage. Companies offer discounts for driving fewer than 7,500-10,000 miles per year.
  4. Ask about discounts. You may save for being a safe driver, a good student, completing defensive driving, having multiple policies with the same provider, and more.
  5. Drop unnecessary coverage. Consider dropping collision and comprehensive on older cars worth less than 10 times the premium.
  6. Buy discounted bundles. Many insurers offer multiple policy discounts on home and auto bundles.
  7. Maintain good credit. Most use credit-based insurance scores to set rates. Keeping your score high reduces premiums.
  8. Enroll in telematics programs. Insurers offer apps to monitor driving habits and offer discounted rates for safe driving.
  9. Increase your liability limits. Higher limits cost less or a little more per month while providing much more coverage.
  10. Pay annually. Paying your 6-month or annual premium all at once rather than monthly could save on finance fees.
Using these tips can help you unlock significant savings on your auto insurance coverage. Make sure to get quotes frequently and adjust your coverage to find the optimal balance of protection and value. Maintaining adequate coverage is essential to protecting your assets and avoiding legal and financial troubles.

Insurance Coverage For Teenagers

Auto Insurance

Once your teen gets a driver’s license, auto insurance is a must. All states require drivers to have a minimum level of liability insurance. This covers damages and injuries they may cause in an accident. However, basic liability coverage has limits, so experts recommend also purchasing these additional coverages:

a woman driving her car with all her coverage guaranteed
  • Collision insurance: Covers damage to your vehicle if your teen is in an accident, regardless of who is at fault.
  • Comprehensive insurance: Covers damage to the car from theft, vandalism, natural disasters, fire, and animals.
  • Uninsured/underinsured motorist coverage: This covers injuries to your teen if they are hit by a driver with no or low insurance.
  • Medical payments coverage: Helps pay for medical treatment for your teen and others injured in an accident.
When adding your teen to your policy, expect a significant rate increase, from 50% to 100% or more. Ways to save include:
teenagers driving a car

Putting your teen in the least expensive vehicle. Rates are based on the car driven.
Asking about discounts for good students and teens who complete driver education.
Selecting higher deductibles, like $500 or $1,000.
Have your teen take extra defensive driver training courses.
Using telematics or monitoring devices to track driving habits.
Comparing rates from multiple insurers.

Health Insurance

Health insurance ensures your teen can access medical care when needed. They have options:
health insurance
  1. Staying on a parent’s plan: Children can remain on a parent’s policy until age 26 in most states, even if married.
  2. Student health plan: Colleges and universities often have plans available for students. These still require co-pays and deductibles.
  3. Individual health insurance: Teens can buy their own plan through Healthcare.gov or an insurance agent. Financial help is available based on income.
  4. Catastrophic coverage: If other options are unaffordable, catastrophic plans have low premiums and mainly protect from worst-case scenarios.

Dental and Vision Insurance Coverage

Dental and vision insurance keep costs lower for routine care like checkups, glasses, and contacts. Here are some options if not included in your health insurance:
dentist
  1. Employer-provided: Many teens work part-time. Their employer may offer group dental and vision plans.
  2. Student plans: Dental and vision insurance may be available via colleges.
  3. Individual private plans: Direct purchase of dental and vision insurance is an option. Carefully review what’s covered.
  4. Discount savings plans: These are not actual insurance but provide discounted rates on services.

Life Insurance Coverage

Life insurance provides a payout to your teen’s dependents if they pass away. Hopefully, you’ll never need it, but it brings peace of mind. Consider buying a small policy if your teen:
teen girl working in construction
  • Drives frequently
  • Works in a hazardous industry
  • Needs coverage for final expenses
  • Has health issues
  • Is financially supporting someone else
A term life insurance policy for $100,000 to $250,000 can cost $15-$30 per month. Permanent insurance is also an option but more expensive.

Homeowners or Renters Insurance Coverage

If your teen moves out on their own or heads to college housing, they should be covered if their possessions are lost, stolen, or damaged. As a parent, update your homeowner’s insurance if they no longer live with you. Teens can buy renters insurance which often costs under $15 per month. Make sure expensive items like phones and computers are insured too.

Identity Theft Protection

Teens are prime targets for identity theft since they have clean credit histories. Identity protection services can help detect and resolve any suspicious activity. Options include software, credit monitoring, or protection insurance. You may also freeze your teen’s credit which stops thieves from opening new accounts.

Insurance Coverage For Students Who Are Studying Abroad

If your teen is completing a semester overseas, look into international student health and travel insurance. This covers medical treatment, prescriptions, emergency medical evacuation, trip cancellation or interruption, and accident or life insurance. Having this safeguard provides peace of mind if your teen falls ill or has an emergency far from home.

Insurance Coverage For Seniors

As people age, their health and financial needs change. Seniors face higher healthcare costs and may rely more on fixed incomes from Social Security and retirement savings. Having the right insurance coverage becomes especially important for older adults to protect against unexpected medical expenses and ensure financial security. This article will provide an overview of the main types of insurance coverage seniors should consider and things to keep in mind when evaluating and choosing policies.

What To Know About Medicare

Medicare is the federal health insurance program for people aged 65 and older. Traditional Medicare has two main parts: Part A which covers hospital stays, and Part B which covers doctor visits and outpatient services. Medicare Part A has no monthly premium for most beneficiaries since payroll taxes cover the cost.

Medicare Part B has a standard monthly premium which was $170.10 in 2023. Higher-income seniors pay more for their Part B premium. In addition to Original Medicare Parts A and B, there are also Medicare Advantage plans (Part C) offered by private insurers as an alternative way to get Medicare benefits. Medicare Advantage plans combine Part A, Part B, and often Part D prescription drug coverage in one plan.

They also limit out-of-pocket spending through an annual maximum amount. Medicare Advantage plans may have lower premiums than Original Medicare plus separate Part D plans, but networks are more restricted.

Medigap Supplemental Insurance

Medigap plans, also called Medicare Supplement Insurance, are sold by private companies and help pay for Original Medicare out-of-pocket costs like copayments, coinsurance, and deductibles. There are 10 standardized Medigap plans labeled Plan A through Plan N. Each offers a different set of basic and extra benefits.

Every Medigap policy must follow federal and state laws designed to protect the insured. Although Medigap plans have monthly premiums, many seniors choose this extra coverage for the peace of mind and lower out-of-pocket costs.

Long-Term Care Insurance Coverage

Seniors should also consider long-term care insurance which helps cover extended nursing home stays and in-home personal assistance. Traditional Medicare and Medigap plans have very limited coverage for long-term custodial care. The average annual cost of a private room in a nursing home was over $108,000 in 2021 according to Genworth. Long-term care insurance can cover a portion of these expenses for a set period of time. Policies are sold by private insurers with pricing based on factors like age at purchase, monthly benefit amount, and benefit period.

Life Insurance

Term life insurance is often appropriate for seniors to cover funeral costs and avoid burdening family members. A policy can provide a death benefit to pay final expenses and any unpaid medical bills. For seniors, term life coverage with a shorter length such as 10 or 15 years allows you to obtain coverage at an affordable rate. Permanent cash value life insurance that builds equity is generally not recommended for older adults.

Homeowners or Renters Insurance Coverage

Seniors should review their homeowners insurance policy annually and make sure they have sufficient dwelling and personal property coverage. Renters insurance is also important to protect a senior’s belongings from perils like theft and fire. Homeowners and renters insurance also provides liability protection in the event someone is injured on the insured property. Seniors who live in a condo or co-op should verify they have adequate coverage under the building’s master policy.

Auto Insurance Coverage For Seniors

Auto insurance is required for all drivers in every state except New Hampshire. Senior drivers should be aware of discounts available to them from many insurance companies to lower their car insurance rates. Common discounts include mature driver, safe driver, low mileage, and defensive driving course completion. Older drivers with a clean record usually get the best rates. Seniors can also opt for higher deductibles or limit certain coverages they may not need, like rental reimbursement or roadside assistance, to reduce costs.

Health Savings Accounts

Health Savings Accounts (HSAs) allow seniors enrolled in Medicare to save money tax-free that can be used for healthcare expenses. To qualify, you must be covered by a High Deductible Health Plan (HDHP). HSAs offer triple tax advantages. Contributions are deductible, interest and investment gains grow tax-free, and withdrawals are not taxed when used for medical costs. In 2023, those 55 to 64 can contribute up to $4,600 to an HSA annually. For those 65 and older the max is $1,000.

Key Considerations

When reviewing insurance options it is important for seniors to consider:
  1. Monthly premium costs relative to the coverage provided. Balance premium affordability with your anticipated healthcare needs.
  2. Deductibles, copays, coinsurance – What will your potential out-of-pocket costs be? Look for ways to limit these costs.
  3. Networks of doctors and hospitals are covered along with prescription drug formularies. Make sure your preferred providers and medications are covered.
  4. Any maximum benefit amounts or policy limits. Policies with unlimited coverage are best if you can afford the premiums.
  5. Ratings from independent agencies for financial strength and customer satisfaction ratings. Pick established, reputable insurers.
  6. Policy exclusions, limitations, waiting periods, and benefit periods. Look for more comprehensive coverage.
  7. Ease of the claims process. Insurers should make filing and collecting benefits simple.
  8. Discounts available such as for paying annually or bundling multiple policies.
  9. Policy upgrades and riders to enhance coverage for an additional premium.
  10. Customer service reputation of the insurer and availability of information online.
an insurance agent walking to her car

The insurance choices seniors make should provide enough coverage at a cost in line with their budget. Work with an experienced independent insurance agent to review options and select policies that meet your needs.

Insurance Coverage For Students

As a student, having proper insurance coverage is extremely important to protect your health, property, and finances. However, with so many different insurance options out there, it can be confusing trying to figure out what coverage you need and what plans are best for students on a budget. In this article, we’ll break down the key types of insurance coverage that students should consider, provide tips on how to get affordable coverage and recommend the best insurance plans for students in several major categories.

Health Insurance

One of the most important types of insurance for students is health insurance. Without health coverage, a single injury or illness can lead to massive medical bills and negatively impact your finances.

All full-time students are required to have health insurance coverage. If you don’t have coverage through your parents, it’s essential to purchase a student health insurance plan. Student health plans are designed to meet the specific needs of students at an affordable price point. They also meet the minimum essential coverage requirements under the Affordable Care Act.
Here are some tips for finding affordable student health insurance.

a doctor and a patience

Check if your university offers a student health plan. Many colleges and universities partner with insurance companies to offer customized plans for their students. These school-sponsored plans are often the most cost-effective option.
Compare marketplace plan rates. You may be able to get a subsidized marketplace health plan for cheaper than a university-sponsored plan if you meet the income requirements. Shop and compare rates.
Consider catastrophic coverage. If you need to minimize premium costs, you may opt for a catastrophic plan with a high deductible and lower premium. This provides protection from major medical costs.
See if you can stay on your parent’s plan until age 26. The Affordable Care Act allows young adults to remain covered as a dependent on their parent’s health plan until they turn 26.

Some top recommended health insurance companies for students are UnitedHealthcare StudentResources, Blue Cross Blue Shield (BCBS), and Aetna. Make sure to choose an in-network provider that offers coverage near your college.

Renters Insurance Coverage For Students

If you live off-campus or in private student housing, having renters insurance is highly recommended. It protects your belongings from theft or damage.
Renters insurance provides protection for your personal property, temporary living expenses if your unit is damaged, and liability coverage in case someone gets injured in your apartment. Without it, you’d have to cover all these costs out-of-pocket.


When shopping for renters insurance, look for providers that offer discounts for bundling policies or having good grades. Most plans cost between $15 to $30 per month. Top insurers include State Farm, Allstate, Farmers, Travelers and GEICO. Make sure to get quotes from multiple companies to find the best rate.

Auto Insurance Coverage For Students

If you have a car at school, carrying auto insurance is legally required. Driving without insurance can lead to fines, license suspension, or having your car impounded.


As a student, you can save money on auto insurance by:

  • Getting good grades – Many insurers offer a good student discount for a B average or higher.
  • Taking defensive driver courses – Completing safety and accident prevention courses can make you eligible for discounts.
  • Comparing quotes – Rates can vary greatly between insurers, so shop around.
  • Opting for higher deductibles – Choosing a higher deductible means you pay more out-of-pocket per claim, but your monthly premium will be lower.
  • Asking about discounts – See if discounts are offered for driver training courses, anti-theft devices, multiple policies, and more.

If you have an old vehicle with minimum coverage needs, companies like Geico, State Farm, and Progressive tend to offer competitive rates. If you have a new vehicle and want more extensive coverage, options like Allstate and Farmers may provide better rates.
Identity Theft Protection
Identity theft is a growing problem in the U.S., especially among college students. With so much personal data available online, students are prime targets for cybercriminals looking to steal your identity.

Having identity theft protection can help safeguard your personal information, monitor for fraud, and provide restoration services if your identity is compromised. When selecting ID theft protection, look for plans that provide comprehensive monitoring across credit cards, bank accounts, public records, and other data points.

Top options include LifeLock, IdentityForce, Identity Guard, and ID Watchdog. Costs range from $8-$30 per month based on monitoring services, alerts, insurance, and other features.
For students on a tight budget, a free ID monitoring service like Credit Karma can help watch for suspicious activity and alert you of key changes. While not full protection, it can provide a layer of monitoring.

Coverage For Personal Property

Students living on-campus in dorms or housing provided by their university have exposure to loss or damage to personal property. Most colleges and landlords have policies that cover only their buildings and facilities – not your actual belongings inside.

Personal property insurance is specifically designed to cover damage or loss of your items due to fire, theft, vandalism, water damage, and other covered disasters. It can protect high-value items like electronics, musical instruments, clothes, furniture, and more.

Renters insurance includes personal property coverage. But if living on campus, a less expensive option is to purchase a standalone personal property or dorm insurance policy. Plans start around $40 per year from providers like State Farm, Nationwide, Allstate, and Farmers Insurance.

Disability Insurance Coverage

While you may not think about disabilities happening when you’re young, it’s a real possibility. In fact, 1 in 4 of today’s 20-year-olds will become disabled before reaching age 67, according to the Social Security Administration. Disability insurance provides income replacement if you suffer an illness or injury that prevents you from working. As a student, disability coverage can give you financial peace of mind. Short-term disability insurance replaces income for a temporary disability. Long-term disability coverage protects your income if you have an extended disability. Individual disability plans can be expensive, but some professional associations and employers offer group rates to students and members. Disability coverage is also a common benefit included in some student credit cards, so review your options if you have a card.

Insurance Coverage Laws and Regulations

Insurance coverage laws regulate what types of insurance policies must be offered, what they must cover, and how insurance companies can determine premiums and deny claims. These laws are complex and differ across states. Understanding some key aspects of insurance coverage laws can help consumers know their rights and make informed choices when purchasing coverage.

Major Federal Laws

While insurance is primarily regulated at the state level, there are some important federal laws governing certain types of insurance coverage. A few key examples include:

  • The Affordable Care Act – This law enacted healthcare reforms in 2010 including requiring health insurance plans to cover pre-existing conditions and essential health benefits like maternity care and mental health services. It also created health insurance exchanges and subsidies to make coverage more affordable.
  • HIPAA – The Health Insurance Portability and Accountability Act protects health coverage for workers and their families when they change or lose jobs. It limits exclusions for pre-existing conditions and prohibits discrimination against employees and dependents based on health status.
  • ERISA – The Employee Retirement Income Security Act regulates employer-sponsored benefits like health insurance and pensions. It sets standards for plan administration, participation, vesting, and funding. ERISA protects benefit plans once they are established.

State Laws and Regulations

Individual states have significant power in regulating insurance sold in their jurisdictions. State laws cover topics including:
a police putting a fine. The state of law
  • Mandated coverage – States require certain benefits and services, like chiropractic care or autism treatment, to be included in policies. This impacts costs and premiums.
  • Rate review – Insurance departments must approve or deny rate increase requests from carriers. States can mandate lowered rates if they are excessive or unjustified.
  • High-risk pools – These provide a backup coverage option for consumers with pre-existing conditions who cannot get private insurance. Premiums are capped but can still be expensive.
  • Grace periods – If premiums are unpaid, states require insurers to continue coverage for 30-90 days before canceling policies. This protects consumers from lapses in coverage.
  • Guaranteed issue – Insurers must offer policies to all eligible applicants regardless of health status, gender, occupation, etc. However, they can still charge more based on certain factors.

Policy Types and Requirements

State laws differ regarding what types of insurance policies must be available to residents:
type of policy for everything
  • Auto-liability insurance – it is mandatory in most states. Some require further coverages like uninsured motorist protection or MedPay.
  • Homeowners – Mortgage lenders require this, but states decide specifics like whether earthquake or flood insurance can be mandated in high-risk zones.
  • Renters – Very few states require renters insurance. However, landlords may demand proof of coverage to protect the property.
  • Health – Before the ACA, insurers could deny coverage for pre-existing conditions. Now they are required to offer policies to all.
  • Life – No state requires life insurance. But some mandate it be offered as an option when applying for other coverages.

Consumer Protections

In addition to mandating coverage, state laws also protect consumers from insurance companies by:
woman driving a car with all the California Car Insurance Requirements
  • Limiting premium variations based on demographic factors like gender or credit scores.
  • Requiring fair claims handling procedures and rapid payouts.
    Prohibiting policy cancellations or non-renewals without reasonable notice and cause.
  • Establishing appeals processes through the insurance commissioner’s office for denied claims.
  • Requiring insurers to disclose important policy information upfront to prevent surprise exclusions or costs later on.
Insurance coverage laws aim to balance consumer protections with the financial interests of insurance carriers. While complex, being aware of key regulations in your state can help ensure you receive comprehensive, fairly priced coverage. Paying attention to mandated coverages, prohibited practices, and claims procedures equips consumers to get the coverage they need at a reasonable cost. With a basic grasp of insurance laws, you can be an informed advocate as you navigate the insurance marketplace.

The Final Word on Insurance Coverage

There are so many options and plans to consider when choosing insurance coverage. Overall, you should choose the best protection you can afford so you are adequately covered. Use this comprehensive guide as a resource when purchasing or renewing your insurance policy, so you can make informed decisions to protect yourself and your family. To compare insurance plans and pricing where you live, enter your zip code and fill out an online application. Save more money on the coverage you need with direct rates.
Picture of Author: David Haan

Author: David Haan

David Haan is a professional writer who has a passion for writing about financial topics: including investing, insurance, and entrepreneurship. David has a way of simplifying complex financial topics to make it easy for anyone to understand. During his free time, he likes to play volleyball, surf, and listen to jazz music.