David Joy

David Joy

Insurance Expert

David Joy is a freelance writer and editor living in New York City. He has written on many topics related to the insurance industry including company overviews, product explainers and policy comparisons. He has worked in publishing for more than 25 years, editing books, newspapers, magazines and websites.

check SmartFinancial’s Editorial Standards

Offering Unbiased, Fact-based Information

Insurance can be downright confusing. SmartFinancial’s fact-checked articles are intended to educate insurance shoppers so they can make the right buying decisions. We aim to help protect individuals, families and small businesses while sharing tips on how to save money.

SmartFinancial on Pricing

SmartFinancial allows shoppers to compare top-rated national insurance companies as well as a vast network of local and regional side-by-side. We never charge a fee to compare insurance options, and we work with dozens of insurance companies without bias towards any particular one. Our articles also offer unbiased information and pricing that will help you choose the company that fits your budget and needs.

Our Editorial Team

We pride ourselves in only hiring writers with extensive editorial experience, top-notch research skills and expertise in insurance. SmartFinancial uses trusted, unbiased sources for research, and we use in-house analysts to compare pricing.

SmartFinancial’s Sources

In addition to external sources that include the state departments of insurance, the Insurance Information Institute (III) and Life Insurance Marketing and Research Association (LIMRA), we write articles and share pricing averages based on the following internal data: Our editorial team periodically updates all articles to ensure that we have the most current and accurate information and pricing. We work hard at being a reliable source, so if you find an error, please contact us:

For a telephone quote comparison, call: 855.214.2291

Recent Articles

Auto Insurance
Does Your Address Affect Your Car Insurance?

When you change your address, you’re obligated to let the DMV know, but did you know that you are supposed to tell your insurance company too? Yes, it's a major rating factor!

Auto Insurance
What's an SR22? Life After a DUI

An SR-22 form is required to reinstate their driver’s license after it has been suspended, regardless of the reason for the suspension.

Renters Insurance
Homeowners Insurance vs Renters Insurance: What's the Difference?

Unlike renters insurance, homeowners insurance will pay for a house to be fixed when it's damaged or rebuilt after it's destroyed. Find out more here.

Home Insurance
Does Home Insurance Cover Earthquakes?

A standard homeowners policy does not cover the damage to a home that results from an earthquake. See what you need to do to get covered.

Auto Insurance
Driving, Marijuana, Car Insurance: Your Questions Answered

Even if we assume that the majority of these 39 million regular pot smokers would never get behind the wheel in a state of impairment, the law of averages dictates that some of them will.

Home Insurance
12+ Tips to Avoid Overpaying for Home Insurance

Paying too much for anything is pretty painful. Paying too much for insurance is no different. However, just because you’re paying more doesn’t mean that you have superior coverage.

Auto Insurance
Why It Pays to Compare Auto Insurance Quotes

Unless you compare auto insurance rates from different auto insurance companies, how can you be certain that you're getting the lowest auto insurance rate?

Auto Insurance
Do You Live in a No Fault State or a Tort Law Insurance State?

No-fault states are different in how they handle accidents. See which 12 states are no fault states and what it means if you live in one.

Auto Insurance
Auto and RV Insurance: An Explainer

Most agents will try to sell you specialty RV insurance but are you required by law to have it?