David Joy is a freelance writer and editor living in New York City. He has written on many topics related to the car insurance industry, from company overviews and product explainers to policy comparisons and the dangers of distracted driving. He has worked in publishing for more than 25 years, editing books, newspapers, magazines and websites.
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 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.
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.
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:
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Leaving a child alone in a car unattended can have serious consequences, not only for the child but also for the parent, guardian or babysitter who leaves them there.
What happens when you are involved in an accident, and the other driver is at fault but has no insurance or not enough insurance?
Find cheaper car insurance, homeowners insurance, health insurance or life insurance, insurance companies have deals and discounts for folks 55 years old or older.
Insurance for second homes may be twice or even three times higher than the insurance for a primary home in most states.
Are there insurance products that cover a vehicle's mechanical malfunctions, such as a blown radiator, a transmission failure or a leaky fuel system?