Best Car Insurance for Commercial Truck Drivers in 2024 (Top 10 Companies)
Explore the best car insurance for commercial truck drivers such as Progressive, USAA, and Nationwide with average discounts of 15% for commercial vehicle. Progressive stands on top with competitive rates, and specialized options. Uncover insights catering to the unique needs of commercial truck drivers.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
UPDATED: Apr 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Apr 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Full Coverage for Commercial Truck Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Commercial Truck Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Commercial Truck Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
In this article, we will explore the various factors that commercial truck drivers should consider when choosing car insurance, the importance of coverage limits, and tips for finding affordable insurance options.
Our Top 10 Company Picks: Best Car Insurance for Commercial Truck Drivers
Company Logo | Rank | Safe Driver Discount | Commercial Vehicle Discount | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 10% | 15% | Specialized Coverage | Progressive | |
#2 | 12% | 17% | Military Savings | USAA | |
#3 | 10% | 15% | Flexible Payment | Nationwide | |
#4 | 11% | 16% | Accident Forgiveness | State Farm | |
#5 | 9% | 14% | Policy Options | Allstate | |
#6 | 11% | 16% | Usage Discount | Travelers | |
#7 | 10% | 15% | Customizable Policies | Liberty Mutual | |
#8 | 9% | 14% | Bundling Policies | Farmers | |
#9 | 8% | 13% | Local Agents | AAA | |
#10 | 10% | 15% | Safe-Driving Discounts | American Family |
We will also discuss the different types of policies available, the role of personal vs. commercial use in insurance coverage, and how to navigate state regulations and requirements. Enter your ZIP code above to compare auto insurance for commercial truck drivers from the top providers near you.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
#1 – Progressive: Top Overall Pick
Pros
- Competitive Rates: Progressive offers affordable rates for both full and minimum coverage.
- A.M. Best Rating: Based on our Progressive insurance review, they hold a solid A rating, indicating financial strength and stability.
- Low Complaint Level: With a low complaint level, Progressive demonstrates customer satisfaction and efficient service.
Cons
- Slightly Higher Average Rate: While generally affordable, Progressive’s average monthly rate for good drivers is slightly higher compared to some competitors.
- Limited Availability: Progressive may not be available in all locations, potentially limiting options for some commercial truck drivers.
#2 – USAA: Best for Military Savings
Pros
- Lowest Rates: According to our USAA insurance review, they boast the lowest average rates for both full and minimum coverage, making it a cost-effective option.
- A+ Rating: USAA’s A+ rating reflects exceptional financial strength and reliability.
- Military Savings: Ideal for military-affiliated drivers, USAA provides additional savings and benefits.
Cons
- Limited Eligibility: USAA is only available to military members, veterans, and their families, restricting eligibility for a broader audience.
- Not Ideal For Non-Military Individuals: If you don’t qualify for military affiliation, USAA is not an option.
#3 – Nationwide: Best for Flexible Payment
Pros
- Flexible Payment Options: Nationwide stands out with flexible payment options, accommodating various financial preferences.
- Low Complaint Level: Nationwide maintains a low complaint level, reflecting customer satisfaction.
- Coverage Options: Nationwide provides a range of coverage options to suit diverse needs.
Cons
- Slightly Higher Average Rate: Our Nationwide insurance review stated that their average monthly rate for good drivers is slightly higher compared to some competitors.
- Not The Cheapest Option: While competitive, Nationwide may not be the absolute lowest-cost option for all drivers.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
#4 – State Farm: Best for Accident Forgiveness
Pros
- Accident Forgiveness: State Farm is recognized for its accident forgiveness program, a valuable benefit for commercial truck drivers.
- Competitive Rates: With reasonable rates, State Farm offers good value for coverage.
- Multiple Coverage Options: State Farm offers a variety of coverage options as outlined in our State Farm insurance review, allowing drivers to tailor policies to their needs.
Cons
- Average monthly rate: While competitive, State Farm’s average monthly rate is not the lowest on the list.
- May lack specialized coverage: State Farm may not offer as specialized coverage options as some other providers.
#5 – Allstate: Best for Policy Options
Pros
- Policy Options: Allstate stands out for its diverse policy options, allowing commercial truck drivers to customize their coverage.
- A+ Rating: With a solid A+ rating based on our Allstate insurance review, they boast financial strength.
- Wide Range of Discounts: Allstate offers various discounts, providing opportunities for cost savings.
Cons
- Higher Average Rate: Allstate’s average monthly rate for good drivers is higher compared to some competitors.
- Complaint Level: Allstate has a slightly higher complaint level compared to some other providers.
#6 – Travelers: Best for Usage Discounts
Pros
- Competitive Rates: Based on our Travelers insurance review, Travelers offers affordable rates for both full and minimum coverage, making it an attractive option for budget-conscious commercial truck drivers.
- Coverage Options: Travelers provides various coverage options, allowing drivers to tailor their policies to meet specific needs.
- Solid A.M. Best Rating: Holding a strong A.M. Best rating, Travelers demonstrates financial stability and reliability.
Cons
- Moderate Monthly Rate: While generally competitive, Travelers’ average monthly rate for good drivers is not the lowest on the list.
- Limited Specialized Coverage: Travelers may not offer as specialized coverage options as some other providers.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
#7 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Policies: According to our Liberty Mutual insurance review they stand out with customizable policies, allowing commercial truck drivers to adjust coverage according to their unique requirements.
- Wide Range of Coverage: Liberty Mutual offers a broad range of coverage options, ensuring comprehensive protection.
- Solid A.M. Best Rating: Holding a strong A.M. Best rating, Liberty Mutual reflects financial strength and stability.
Cons
- Higher Monthly Rate: Liberty Mutual’s average monthly rate for good drivers is higher compared to several competitors.
- Complaint Level: Liberty Mutual has a slightly higher complaint level, indicating potential customer satisfaction issues.
#8 – Farmers: Best for Bundling Policies
Pros
- Bundling Policies: Farmers offers a 9% bundling discount, encouraging commercial truck drivers to bundle multiple policies for added savings.
- Commercial Vehicle Discount: Farmers provides a 14% discount for commercial vehicles, contributing to cost savings.
- Multiple Coverage Options: As outlined in our Farmers insurance review, Farmers offers a variety of coverage options, allowing drivers to customize their policies.
Cons
- Average Monthly Rate: While competitive, Farmers’ average monthly rate for good drivers is not the lowest on the list.
- May Lack Specialized Coverage: Farmers may not offer as specialized coverage options as some other providers.
#9 – AAA: Best for Local Agents
Pros
- Local Agents: AAA provides the benefit of local agents, offering personalized service and assistance.
- Solid A.M. Best Rating: Holding a strong A.M. Best rating, AAA reflects financial stability.
- Variety of Discounts: AAA provides various discounts, offering opportunities for additional savings. Learn more about their discounts in our AAA insurance review.
Cons
- Average Monthly Rate: While generally competitive, AAA’s average monthly rate for good drivers is not the lowest on the list.
- May Lack Specialized Coverage: AAA may not offer as specialized coverage options as some other providers.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
#10 – American Family: Best for Safe-Driving Discounts
Pros
- Safe-Driving Discounts: American Family offers a 10% safe-driving discount, promoting and rewarding safe driving habits.
- Variety of Discounts: American Family offers a range of discounts, providing opportunities for additional savings.
- Solid A.M. Best Rating: Holding a strong A.M. Best rating, American Family reflects financial stability.
Cons
- Average Monthly Rate: While generally competitive, American Family’s average monthly rate for good drivers is not the lowest on the list.
- May Lack Specialized Coverage: American Family may not offer specialized coverage options based on our American Family insurance review as some other providers.
Comparing Average Monthly Rates With Top 10 Car Insurance Companies
Finding affordable car insurance for commercial truck drivers involves more than just comparing rates. In this article, we’ll delve into the intricate world of car insurance specifically focusing on the average monthly rates for both full and minimum coverage. Here are the top 10 car insurance companies for commercial truck drivers based on average monthly rates:
Car Insurance Monthly Rates for Commercial Truck Drivers by Coverage Level
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
AAA | $32 | $86 |
Allstate | $61 | $160 |
American Family | $44 | $117 |
Farmers | $44 | $139 |
Liberty Mutual | $68 | $174 |
Nationwide | $44 | $115 |
Progressive | $39 | $105 |
State Farm | $33 | $86 |
Travelers | $37 | $99 |
USAA | $22 | $59 |
Among the top choices, Progressive offers competitive rates at $105 for full coverage and $39 for minimum coverage, providing a cost-effective option. USAA stands out with consistently low rates, presenting a compelling choice at $59 for full coverage and an impressive $22 for minimum coverage—particularly appealing for military personnel. Compare car insurance quotes to find the best fit for your needs and budget.
Jeff Root Licensed Life Insurance Agent
State Farm, known for personalized service, strikes a balance with rates at $86 for full coverage and $33 for minimum coverage. These three options cater to different needs, from affordability to tailored service, ensuring commercial truck drivers can find the right balance for their coverage preferences and budget constraints.
Understanding the Insurance Needs of Commercial Truck Drivers
Commercial truck drivers face unique insurance needs due to the nature of their work. Operating large vehicles on highways and delivering goods across long distances exposes them to higher risks compared to regular car drivers. From liability coverage to coverage for physical damage and cargo, understanding these needs is the first step in finding the best car insurance for commercial truck drivers.
Liability coverage helps cover the costs of medical expenses, property repairs, and legal fees that may arise from such accidents.
In addition to liability coverage, commercial truck drivers also need coverage for physical damage to their vehicles. Given the size and weight of commercial trucks, accidents can result in significant damage to the driver’s own vehicle. Physical damage coverage helps cover the costs of repairs or replacement of the truck in case of accidents, theft, or vandalism.
Read More: Liability Insurance: A Complete Guide (2024)
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Factors To Consider When Choosing Car Insurance for Commercial Truck Drivers
When selecting auto insurance for commercial truck drivers, careful consideration of various factors is essential to ensure adequate coverage that meets their unique needs. Factors to consider when selecting car insurance for commercial truck drivers:
- Type and Size of the Truck: Influences risk level and required coverage.
- Amount and Value of Transported Cargo: Impacts coverage needs.
- Geographic Areas of Operation: Influences risk assessment.
- Driver’s Driving History and Experience: Affects premiums and coverage options.
Another factor to consider when choosing car insurance for commercial truck drivers is the industry in which the truck operates. For example, if the truck is used for transporting hazardous materials, additional coverage and certifications may be necessary. For information on medical insurance for self-employed truck drivers, check out our article, “I am a self employed truck driver how do i get medical insurance“.
The Importance of Coverage Limits
Choosing appropriate coverage limits is crucial when selecting car insurance for commercial truck drivers. Adequate coverage ensures protection for all parties involved in accidents or property damage, covering associated costs. Truck drivers should assess their risk exposure carefully, opting for limits that offer sufficient protection without risking financial stability.
Commercial truck drivers should consider the type of cargo they transport when determining coverage limits. Hazardous materials or high-value goods may require higher limits to protect against potential losses. Understanding cargo-related risks is essential in ensuring insurance coverage aligns with these risks.
Essential Coverage Options for Commercial Truck Drivers
Commercial truck drivers require specialized coverage options to ensure comprehensive protection. This includes liability insurance for accident-related damages to others and physical damage coverage for repairs or replacement of the truck. Cargo insurance is also essential to safeguard the value of transported goods.
Bobtail insurance fills a crucial gap by providing coverage for the truck during non-hauling periods, such as when traveling to pick up a load. It serves to mitigate potential risks faced by drivers and their trucks during these times.
In addition to the aforementioned options, occupational accident insurance offers vital coverage for medical expenses, disability, and death benefits in work-related incidents. This provides financial security and peace of mind for both truck drivers and their families.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Tips for Finding Affordable Car Insurance
Finding affordable car insurance as a commercial truck driver can be challenging, but there are several tips that can help. Firstly, maintaining a clean driving record can lead to lower premiums as it demonstrates responsible driving behavior.
Moreover, insurance providers frequently offer discounts for drivers deemed as good payers. You can find the best discounts for good payers in our article called “Best Good Payer Car Insurance Discounts“, often rewarding those who have completed defensive driving courses or installed safety devices in their trucks. Additionally, bundling multiple insurance policies with one provider can yield significant discounts.
How to Get Discounts on Car Insurance
Commercial truck drivers can take advantage of various discounts to reduce the cost of their car insurance. Some common discounts include those for safe driving records, completing driving courses, or having multiple policies with the same provider. Additionally, some insurance providers offer discounts for installing safety features, such as anti-theft devices or telematics systems, in the truck.
Commercial truck drivers should explore these discount options to maximize savings without compromising the coverage they need. Find the best discounts catered for Commercial Truck Drivers in our Article called “Best Auto Insurance Discounts for Commercial Truck Drivers“.
Specialized Insurance Companies for Commercial Truck Drivers
Specialized insurance companies that cater specifically to commercial truck drivers may offer unique benefits and tailored coverage options. These companies understand the specific needs and risks associated with operating commercial trucks and can provide more comprehensive coverage solutions.
Commercial truck drivers should consider consulting with specialized insurance providers to explore the options and benefits available to them.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Evaluating The Claims Process With Car Insurance For Commercial Truck Drivers
Understanding the claims process is crucial when choosing car insurance for commercial truck drivers. When accidents or other incidents occur, an efficient and streamlined claims process can make a significant difference in handling the aftermath.
Commercial truck drivers should evaluate the claims processes of different insurance providers, considering factors such as the ease of filing a claim, the responsiveness of the insurance company, and the time it takes to process and settle claims.
By choosing an insurance provider with a reliable and efficient claims process, commercial truck drivers can navigate difficult situations with confidence. Learn more about Progressive’s claims process in our Progressive insurance review.
Common Mistakes to Avoid When Purchasing Car Insurance
Purchasing car insurance for commercial truck drivers can be complex, and there are common mistakes that should be avoided. One common mistake is underestimating the required coverage limits and opting for minimal coverage to save on premiums. Which you can learn more in our article called “How much car insurance do I need?“.
This can leave commercial truck drivers exposed to financial risks in case of accidents or damages. Another mistake is not comparing quotes from multiple insurance providers, which can result in overpaying for coverage. By being aware of these common mistakes and avoiding them, commercial truck drivers can make informed decisions and choose the best car insurance for their needs.
The Benefits of Bundling Policies With Car Insurance
Bundling policies with the same insurance provider can offer several benefits for commercial truck drivers. Apart from potential discounts, bundling policies streamlines administrative processes and reduces paperwork.
Having all insurance policies with one provider can make it easier to manage and update coverage while ensuring all insurance needs are met. Commercial truck drivers should consider the benefits of bundling policies and consult with insurance providers to explore these options.
Read More :
- Can I bundle my Progressive car insurance with other policies?
- Can I bundle my Nationwide car insurance with other policies?
- Can I bundle my USAA car insurance with other policies?
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Different Types of Policies Available to Commercial Truck Drivers
Commercial truck drivers have access to different types of policies that can be tailored to their specific needs. Some common types of policies include liability insurance, physical damage coverage, cargo insurance, and uninsured/underinsured motorist coverage. Understanding the differences between these policies and evaluating which ones are most relevant to their operations is crucial for commercial truck drivers to ensure comprehensive coverage.
Personal Vs. Commercial Use In Car Insurance
The distinction between personal and commercial use is an important factor in car insurance for truck drivers. Commercial truck drivers should carefully review and understand their insurance coverage to ensure they are adequately protected while using their trucks for business purposes. If you’re not sure check out our guide called “Car Insurance: A Complete Guide“.
Personal car insurance policies may not provide sufficient coverage for accidents that occur during commercial use. Thus, commercial truck drivers should inquire with their insurance providers about the specific coverage needed for commercial use of their vehicles.
State Regulations and Requirements for Commercial Truck Drivers
Each state has specific regulations and requirements regarding car insurance, and commercial truck drivers must comply with these rules. Ensuring compliance with state requirements not only protects drivers legally but also ensures they have adequate coverage in case of accidents or other incidents.
From minimum liability coverage amounts to specific filing requirements, understanding and navigating these regulations is essential for commercial truck drivers.
Ensuring compliance with state regulations and requirements and understanding the differences between personal and commercial use are also crucial aspects of obtaining the right insurance coverage. By following these guidelines and consulting with insurance providers, commercial truck drivers can secure the best car insurance that suits their unique needs and provides them with the necessary peace of mind on the road.
Read More:
- Georgia Car Insurance Requirements
- Louisiana Car Insurance Requirements
- Oklahoma Car Insurance Requirements
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Case Studies: Optimizing Car Insurance for Commercial Truck Drivers
In examining case studies of commercial truck drivers optimizing their car insurance, we uncover the critical role tailored coverage plays in navigating unexpected challenges. From long-haul specialists like Emma to military-affiliated drivers such as John and local delivery drivers like Laura, these real-world examples highlight the importance of insurance solutions aligned with the unique demands of their professions.
- Case Study #1 – The Long-Haul Specialist: Emma, a seasoned long-haul trucker, faced a challenging situation when her rig was involved in an accident miles away from home. Progressive’s specialized coverage for long-haul truckers played a crucial role in ensuring she received prompt assistance and coverage for the extensive damages to her commercial vehicle.
- Case Study #2 – Military Precision Pays Off: John, a military-affiliated commercial truck driver insured with USAA, found himself in a tight spot when his truck broke down during a critical delivery. USAA’s exclusive military savings not only provided financial relief but also ensured a swift resolution, allowing John to resume his mission with minimal downtime.
- Case Study #3 – Flexibility Amidst Adversity: Laura, a local delivery driver, encountered a situation where her cargo was damaged due to unforeseen circumstances. Nationwide’s flexible payment options and diverse coverage choices allowed her to tailor her policy to address the specific needs of her local delivery business, proving that flexibility is key in the face of adversity. Learn how Laura paid her premium in our article called “How can I pay my Nationwide insurance premium?“.
Frequently Asked Questions
Why is it important to have specialized coverage for commercial truck drivers?
Commercial truck drivers face unique risks due to the nature of their work. Specialized coverage, including liability, physical damage, and cargo insurance, is crucial to protect them, their cargo, and other parties involved in potential accidents.
Protect your company’s fleet of vehicles with commercial insurance. Enter your ZIP code below to find the cheapest coverage for your business.
How can commercial truck drivers find affordable car insurance?
To find affordable car insurance, commercial truck drivers should compare quotes from multiple insurance providers, maintain a clean driving record, consider bundling policies, and explore discounts such as those for safe driving, completion of driving courses, and safety features installation.
What role does personal vs. commercial use play in car insurance for truck drivers?
Distinguishing between personal and commercial use is vital. Commercial truck drivers should review their insurance coverage to ensure they are adequately protected during business operations. Personal car insurance policies may not provide sufficient coverage for accidents during commercial use.
Why is it crucial to evaluate the claims process when choosing car insurance for commercial truck drivers?
An efficient and streamlined claims process is essential in handling accidents or incidents. Commercial truck drivers should evaluate the claims processes of different insurance providers, considering factors such as ease of filing a claim, responsiveness, and time taken to process and settle claims. A reliable claims process can make a significant difference in difficult situations.
Can commercial truck drivers have coverage for non-hauling periods?
Yes, commercial truck drivers can opt for bobtail insurance, providing coverage for the truck during non-hauling periods, such as when traveling to pick up a load or returning from a delivery. This coverage helps protect both the driver and the truck from potential risks during these times.
What types of discounts are available for commercial truck drivers?
Commercial truck drivers may be eligible for discounts such as safe driving discounts, completion of driving courses, installation of safety features, bundling policies, and good payer discounts. Exploring these options can help reduce insurance costs.
Find the best discounts catered for Commercial Truck Drivers in our Article called “Best Auto Insurance Discounts for Commercial Truck Drivers“.
Are there insurance companies that specialize in coverage for commercial truck drivers?
Yes, there are insurance companies that specialize in providing coverage tailored specifically for commercial truck drivers. These companies understand the unique risks associated with commercial trucking and offer comprehensive coverage options to meet the needs of drivers in this industry.
How can commercial truck drivers ensure they have sufficient coverage for their cargo?
Commercial truck drivers should consider cargo insurance to safeguard the value of transported goods. This coverage helps protect against potential losses in case of damage, theft, or other incidents during transit.
Find the best commercial car and truck insurance for your business needs by entering your ZIP code below into our free comparison tool today.
What factors should commercial truck drivers consider when evaluating insurance providers?
When evaluating insurance providers, commercial truck drivers should consider factors such as coverage options, rates, discounts, claims process efficiency, customer service quality, and financial stability. Assessing these factors can help drivers make informed decisions when choosing an insurance provider.
Can commercial truck drivers have coverage for occupational accidents?
Yes, occupational accident insurance offers coverage for medical expenses, disability, and death benefits in work-related incidents. This coverage provides financial security for both truck drivers and their families in case of accidents that occur during work. Learn more in our article called “What is accidental death and dismemberment insurance?“
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.