Clear answers to your insurance questions
Plain-English guides to car, health, home and life insurance — what it covers, what it costs, and the mistakes to avoid.
Browse by topic
12 topics, hundreds of answers.Latest answers
Every article starts with a quick answer and ends with the mistakes to avoid.
How much life insurance do I need?
Learn how to accurately calculate your life insurance needs by evaluating debts, income replacement, employee perks, and Social Security survivors' benefits.
How to get car insurance at 18 on your own
Learn how to shop for, compare, and secure your own auto insurance policy at age 18 while managing premium costs and choosing proper coverage limits.
How to compare insurance quotes the right way
Learn how to compare insurance quotes by reviewing identical coverage limits, deductibles, discounts, and insurer complaint records to secure the best policy value.
Mistake: not reporting income changes
Failing to report income changes to the Marketplace can cause unexpected tax debt or cause you to miss out on lower monthly premiums.
How much does adding a teen driver to my policy cost?
Adding a teen driver increases auto insurance premiums substantially. Discover what shapes your final bill and practical strategies to reduce your household coverage costs.
Mistake: assuming Medicare is free
Believing Medicare is completely free can lead to unexpected expenses. Learn how premiums, copayments, coinsurance, and late penalties affect your real health care costs.
How to lower your homeowners insurance premium
Discover proven strategies to lower your homeowners insurance premium by adjusting deductibles, claiming discounts, strengthening your home, and shopping smart.
Bronze vs. silver vs. gold plans: how to choose a metal tier
Compare Bronze, Silver, Gold, and Platinum Marketplace plans to find the right balance between monthly premiums, deductibles, and total out-of-pocket costs.
Do I need earthquake insurance?
Standard homeowners policies do not cover earthquake damage. Learn how to evaluate your seismic risk, understand policy costs, and decide if you need earthquake insurance.