Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Cheapest recent rates near Madison, Wisconsin
Drivers using Insurify have found quotes as cheap as $32/mo for liability only and $43/mo for full coverage in Madison and other Wisconsin cities.
*Quotes generated for Insurify users in and around Madison, Wisconsin within the last 10 days. Last updated on April 25, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Madison, Wisconsin within the last 10 days. Last updated on April 25, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
The average monthly cost of auto insurance in Madison, Wisconsin, is $60 for a liability-only policy and $125 for full coverage. This is on par with the state average of $61 for liability coverage and $138 for a full-coverage policy.
Wisconsin drivers pay lower rates than the overall national average rate, perhaps partially due to the state’s at-fault system. Ultimately, the cost of your auto insurance policy will vary depending on your driving record, marital status, credit history, and the type of vehicle you drive.[1]
Here’s what you should know about finding auto coverage in Madison.
Quick Facts
USAA, Auto-Owners, and State Farm are the three cheapest insurers in Madison.
Wisconsin law allows auto insurers to consider your credit information when determining your premium.[2]
Because Wisconsin is an at-fault state, the driver who caused the accident is responsible for covering the costs of the other driver’s resulting injury and vehicle damage.[3]
Best car insurance companies in Madison
Car insurance rates can vary quite a bit depending on the company you choose. Overall, USAA, State Farm, and Auto-Owners offer the best car insurance options for Madison drivers.
But the best auto insurance policy for you depends on your specific insurance needs, so it’s a good idea to compare your coverage options and speak to an insurance agent about your options.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
USAA
4.5
$43
$22
Veterans
State Farm
4.5
$45
$23
Safe drivers
Auto-Owners
4.0
$46
$23
New vehicles
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$21/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$42/mo
USAA has been in business for more than 100 years and receives high ratings for customer satisfaction. The company offers low rates for active-duty military members, veterans, and their families. Nearly 9,000 veterans currently live in Madison, so many drivers in the city can benefit from coverage from USAA.
Pros
High customer satisfaction ratings
Discount of up to 30% via SafePilot safe driving program
Cons
Exclusive eligibility requirements for active-duty military members, veteranas, and their families
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$22/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$43/mo
State Farm offers insurance products in all 50 states and gives policyholders numerous opportunities to save on auto insurance. Safe drivers can use the Drive Safe & Save program to save up to 30% on car insurance. The company offers customizable coverage and bundling opportunities.
Pros
Rideshare insurance available
Above-average J.D. Power customer satisfaction rating in the North Central region
Cons
Doesn’t offer gap insurance
Potentially not the most affordable option for drivers with traffic violations
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.0
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$22/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$44/mo
Founded in 1916, Auto-Owners offers policyholders Purchase Price Guarantee, Total Loss, and gap insurance coverages, which can all benefit owners of new cars. If your financed, newer vehicle is totaled, these coverages can help you receive the original cost of the vehicle and pay off any remaining loan or lease balance. Additionally, Auto-Owners at least 13 discounts, including savings tied to how you pay for coverage, whether you bundle policies, and more.
Pros
Above-average J.D. Power customer satisfaction rating in the North Central region
Multiple available coverages to help protect new cars
I had a major claim due to a fire, which was not my fault. They handled it poorly and the complex ended up tearing down my building. They did make a payment, but there was a $10,000 depreciation on my goods.
Erin - April 7, 2024
Verified
Unhappy with Renewal Costs
The premium is ridiculously expensive for the few miles I drive.
Brandy - April 6, 2024
Verified
Fair Prices from a Trustworthy Company
I've had zero issues!
How to get the cheapest car insurance in Madison
Insurance companies look at a variety of factors to determine your auto insurance rates. Insurers use different parameters, but most look at your driving history, location, age, and deductible.
Here are five ways to find lower rates on car insurance in Madison:
Choose a higher deductible. You’ll pay an out-of-pocket deductible before your insurance company pays an insurance claim. The higher your deductible, the less you’ll pay each month for auto insurance.
Choose a safer car. Most insurance companies will lower your premium if your car has safety features like airbags, anti-lock brakes, and alarm systems.
Bundle your insurance coverage. Another way to save is by bundling your auto policy with home insurance, renters insurance, or life insurance.
Shop around. Different insurance companies offer different rates and discounts, so you should shop around among different insurers. An online comparison tool is a good way to compare rates from multiple insurers simultaneously.
Cheapest liability-only car insurance in Madison: USAA
Liability-only car insurance covers the other driver’s vehicle damages and medical expenses if you cause an auto accident. It doesn’t pay for any of your car repairs or medical bills you incur.[4]
Because liability insurance is less expensive than full coverage, some drivers choose it to save money on auto insurance. It makes the most sense for drivers with inexpensive or older vehicles.
Here are the cheapest options for liability-only insurance in Madison.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
USAA
21
Auto-Owners
22
State Farm
22
Erie
28
GEICO
29
American Family
31
Mile Auto
33
Chubb
36
Farmers
43
Nationwide
43
Safeco
43
Clearcover
46
Progressive
50
Midvale Home & Auto
53
Travelers
55
Liberty Mutual
56
National General
61
Allstate
62
Dairyland
65
The General
76
Bristol West
78
Direct Auto
80
State Auto
82
Foremost
97
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Madison: USAA
Full-coverage auto insurance typically includes liability, collision, and comprehensive insurance. It offers you the most protection if you have an auto accident. Full-coverage insurance can also kick in for damages from vandalism, theft, falling objects, and more.
Because full-coverage insurance comes with more robust protection, it costs more than liability-only insurance. Here are some of the cheapest full-coverage quotes for Madison drivers.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
USAA
42
State Farm
43
Auto-Owners
44
Mile Auto
52
Erie
57
GEICO
58
American Family
62
Chubb
71
Safeco
72
Clearcover
76
Farmers
84
Nationwide
84
Midvale Home & Auto
99
Progressive
101
Travelers
108
Liberty Mutual
121
Allstate
122
National General
143
State Auto
144
Direct Auto
147
The General
158
Dairyland
189
Bristol West
214
Foremost
250
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Wisconsin
All Wisconsin drivers must meet the state’s minimum liability requirements to drive a car in the state. Operating a motor vehicle without insurance will result in a fine of $500.
Here are the state’s minimum legal requirements:[5]
Liability-only insurance doesn’t provide enough coverage for many drivers. If you want additional protection, you should consider the following optional coverages:
Uninsured motorist coverage
Uninsured motorist coverage protects you if you have an accident with an uninsured or underinsured driver who doesn’t have sufficient coverage for your damages and injury.
Medical payments coverage
Medical payments coverage, also called MedPay, can cover medical bills and hospital visits for you and your passengers following an accident. It can even kick in to cover funeral expenses.
Collision coverage
If you have a car accident, collision coverage pays to repair or replace your vehicle, regardless of fault.
Comprehensive coverage
Comprehensive coverage pays for damage and loss related to non-collision incidents. For example, comprehensive insurance covers vehicle repairs or replacement costs if it’s damaged in a storm, stolen, or broken into.[6]
Cheapest car insurance for drivers with an incident
Many factors influence your car insurance premiums, but your driving history may have the biggest effect. Drivers with a clean record pay the lowest rates for auto insurance. If you have a history of driving incidents — like speeding tickets, driving under the influence (DUI) charges, or at-fault accidents — you can expect to pay more for insurance.
Find Car Insurance in Madison After an Accident
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Cheapest car insurance for drivers with a speeding ticket: USAA
Speeding is one of the biggest causes of auto accidents. On average, 18,000 speeding-related crashes occur in Wisconsin every year, according to the Wisconsin Department of Transportation. If you receive a speeding ticket in Madison, you may face a fine between $200 and $800, depending on the violation.[7]
Your insurance premiums will also usually increase after receiving a speeding ticket. In Madison, you might pay $95 per month for a liability-only policy with a speeding ticket on your record.
The following table compares monthly liability quotes for Madison drivers with clean records versus those with speeding violations.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Record
With Ticket
USAA
21
29
Auto-Owners
22
31
State Farm
22
30
Erie
28
42
GEICO
29
40
American Family
31
43
Mile Auto
33
50
Chubb
36
50
Farmers
43
59
Nationwide
43
59
Safeco
43
63
Clearcover
46
67
Progressive
50
71
Travelers
55
76
Liberty Mutual
56
82
National General
61
84
Allstate
62
84
Dairyland
65
92
The General
76
107
Bristol West
78
108
Direct Auto
80
112
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
At-fault accidents are another driving incident that cause premiums to increase. Every time you file a claim request for an at-fault accident, your insurance company has to pay for repairs to your vehicle and the other driver’s vehicle. This makes you more expensive to insure, and your insurer could decide not to renew your policy if you have multiple at-fault accidents.[8]
Madison drivers with an at-fault accident pay a monthly average of $93 for liability-only insurance. Here are the cheapest liability insurance options for Madison drivers with an at-fault accident.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Record
With Accident
USAA
21
29
Auto-Owners
22
31
State Farm
22
30
Erie
28
42
GEICO
29
40
American Family
31
43
Mile Auto
33
51
Chubb
36
51
Farmers
43
60
Nationwide
43
60
Safeco
43
65
Clearcover
46
76
Progressive
50
72
Travelers
55
78
Liberty Mutual
56
84
National General
61
87
Allstate
62
86
Dairyland
65
93
The General
76
109
Bristol West
78
109
Direct Auto
80
115
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
Driving under the influence is a major offense in Wisconsin, and your first incident would result in a fine between $150 and $300. You’d also face driver’s license revocation for six to nine months.[9] Additional violations will lead to higher fines and possible jail time.
Your auto insurance rates typically increase significantly after you get a DUI, and in some cases, your insurer may drop you as a customer. If you’ve been convicted of a DUI, you might pay as much as $105 per month in Madison for a minimum coverage policy.
Here are some of the cheapest liability-only quotes for Madison drivers with a DUI.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Record
With DUI
USAA
21
35
Auto-Owners
22
36
State Farm
22
36
Erie
28
42
GEICO
29
48
American Family
31
51
Mile Auto
33
57
Chubb
36
59
Farmers
43
71
Nationwide
43
71
Safeco
43
71
Clearcover
46
76
Progressive
50
83
Travelers
55
91
Liberty Mutual
56
93
National General
61
101
Allstate
62
102
Dairyland
65
107
The General
76
126
Bristol West
78
129
Direct Auto
80
132
Foremost
97
160
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Your age can affect your car insurance premium. Most people see their auto insurance rates decrease after the age of 35. But once you reach 75, rates can start creeping back up again because senior drivers are more likely to have a car accident and face injury.[10]
A liability-only policy for a senior driver in Madison costs $37 per month, on average.
Fortunately, seniors can save money on auto insurance by enrolling in an approved defensive driving course or taking advantage of low-mileage discounts. Here are the cheapest insurers for senior drivers in Madison.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Auto-Owners
15
30
State Farm
15
29
USAA
15
29
Erie
18
37
GEICO
20
40
American Family
21
42
Mile Auto
22
34
Chubb
23
44
Nationwide
28
54
Farmers
29
57
Progressive
31
62
Safeco
32
54
Clearcover
38
63
Travelers
38
74
Liberty Mutual
40
86
Allstate
43
85
National General
43
101
Dairyland
46
133
Direct Auto
53
98
Bristol West
54
149
The General
54
112
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Teen drivers pay some of the highest rates for auto insurance due to their lack of driving experience. Motor vehicle crashes are the leading cause of death for U.S. teens. Drivers between the ages of 16 and 19 have a fatal crash rate nearly three times as high as drivers older than 20.[11]
Teenage and young drivers in Madison pay a monthly average of $96 for liability-only coverage. Young drivers can find more affordable car insurance by earning good student discounts or driving a safe vehicle. Joining your parents’ existing insurance policy is another way to secure the best rate.
Here are the cheapest options for teenage drivers in Madison.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
USAA
33
66
Auto-Owners
35
70
State Farm
36
70
GEICO
43
87
Erie
49
99
American Family
50
100
Mile Auto
61
96
Chubb
64
125
Nationwide
70
137
Farmers
71
139
Safeco
73
123
Clearcover
78
129
Progressive
86
173
Liberty Mutual
90
194
Travelers
95
186
Dairyland
100
291
Allstate
104
204
National General
111
260
The General
115
240
Bristol West
123
338
Direct Auto
139
256
Foremost
165
426
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Madison
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Madison car insurance quotes by credit tier
Wisconsin is one of many states that allows insurance companies to consider credit history when determining insurance premiums. Some research shows that drivers with bad credit file more insurance claims, which is why insurers may adjust rates accordingly.
Drivers with excellent or good credit scores pay less for auto insurance than people with poor credit scores. Here’s what Madison drivers can expect to pay for full-coverage car insurance by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Madison?
Madison's car insurance rates are on part with Wisconsin's state averages, but lower than national averages. In Madison, full coverage averages $125 per month while liability-only coverage is $60 per month. Wisconsin's averages are $138 for full coverage and $56 for minimum coverage, while the national averages are $213 and $104, respectively.
Wisconsin car insurance rates can vary depending on your city and your ZIP code. For example, if you live in a city with higher rates of vandalism, you can expect to pay more for auto insurance. You’ll also pay more for insurance if you live in a big city than in a small town.
More cities in Wisconsin
Here are monthly rates in some other Wisconsin cities.
City
Full Coverage
Liability Only
Kenosha
$142
$69
Milwaukee
$206
$91
Racine
$136
$73
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Madison car insurance FAQs
Before you compare quotes from multiple insurers, you should decide how much coverage you need. The following information should help you navigate the process of buying cheap car insurance in Madison, Wisconsin.
How much is car insurance in Madison, Wisconsin?
The overall average cost of car insurance in Madison is $93 per month. On average, Madison drivers pay $60 per month for liability coverage and $125 for full-coverage insurance, according to Insurify data.
Who has the cheapest car insurance in Madison?
USAA offers the cheapest car insurance quotes in Madison, with liability-only rates starting at $21 per month. Madison drivers can also find affordable coverage through the city's second- and third-cheapest insurers, Auto-Owners and State Farm, which have minimum-coverage rates as low as $22 and $22, respectively.
Your actual quotes may be higher or lower than average, based on factors specific to you like your age, gender, and driving history.
What are the best car insurance companies in Madison?
USAA, State Farm, and Auto-Owners are among the best insurers offering coverage for Madison drivers. All three offer competitive rates, have good financial strength ratings from AM Best, and IQ scores of 4 (out of 5) or better. That said, the best insurer for you may be different, based on your individual rating factors and coverage needs. Comparing quotes from multiple companies is the best way to find the coverage you need at an affordable price.
How much is car insurance in Wisconsin per month?
Car insurance in Wisconsin costs $100 per month, on average. Drivers in the state pay $61 per month for liability coverage and $138 for full-coverage insurance.
What is the minimum coverage for car insurance in Wisconsin?
Wisconsin drivers must carry a minimum of $10,000 per accident in property damage liability coverage, as well as $25,000 per person and $50,000 per accident in bodily injury liability coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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