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Experience
- Homeowners insurance
- Auto insurance
- Pet insurance
- Small business insurance
- Credit
- Travel
- Personal finance
About Ben's expertise
Ben Luthi has been making insurance and personal finance easy to understand for over a decade. Dedicated to helping readers make informed insurance decisions, Ben’s covered just about every personal finance topic under the sun.
His work has appeared in the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
Featured Work
Kiplinger: Four Things You Can Do If Your Home Insurance Is Canceled or Not Renewed
Experian: 5 Types of Insurance Policies and Coverage You Need
Wall Street Journal: Should You Get a Credit Card Just for the Sign-Up Bonus?
Investopedia: What Is a Second-Chance Bank Account?
Our Editorial Guidelines
Insurify’s content goes through a rigorous editing and fact-checking process that includes reviews by insurance agents, data scientists, and multiple editors with years of experience in insurance and personal finance. We vet every article and report for: accuracy, educational value, objectivity, enjoyability.
Learn more about our editorial team and editorial guidelines here
Ben's latest posts
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American Alliance Car Insurance Review (Ratings and Expert Insights)
American Alliance only operates in Illinois, where high-risk drivers may have few insurance options. But its customer service record doesn’t inspire confidence.
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Best Car Insurance in Washington, D.C.
Erie Insurance, State Farm, and GEICO round out the top three insurance companies in Washington, D.C.
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Best Car Insurance for Federal Employees
Federal employees may qualify for exclusive car insurance discounts and specialized programs that help reduce premiums.
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Cost of Land Rover Car Insurance
Land Rovers cost an average of $175 per month for car insurance. But your rate will depend on the model you choose, among other factors.
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Erie Insurance vs. State Farm: Which Insurance Company Is Better in 2026?
Erie Insurance is known for its competitive rates and strong financial stability, while State Farm stands out for its broad availability and customizable policies.
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Amica vs. GEICO: Which Insurance Company Is Better in 2026?
GEICO is by far the more affordable insurer, but Amica has better claims satisfaction.
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Cheapest Car Insurance Quotes in Florida
Progressive offers the cheapest coverage in Florida, with an average liability rate of $79 per month. Shop real-time quotes for Florida and buy your policy all in one place with Insurify.
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Cheapest Car Insurance Quotes in Michigan
Auto-Owners offers the cheapest car insurance in Michigan, at $68 per month for state-minimum coverage. Compare real car insurance quotes from top companies in Michigan with Insurify.
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Why Is Car Insurance So Expensive?
Car insurance is expensive due primarily to inflation, rising repair costs, and an increase in severe auto accidents.
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Average Car Insurance Cost in Illinois
Drivers in Illinois pay an average of $120 per month for car insurance.
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Average Car Insurance Cost in Nevada
Drivers in Nevada pay an average of $204 per month for car insurance.
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Insurance for a New Car: Cost, Coverage, and Requirements
New cars cost more to insure, but the right coverage and discounts can lower your rate. Compare new car insurance quotes today.
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Why Is Car Insurance So Expensive in Florida?
Florida residents pay some of the highest car insurance rates in the country, with premiums 35% more than the national average.
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How to Get Cheap Car Insurance
Learn nine expert tips to help you compare quotes, maximize discounts, and lower your auto insurance rates today.
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Average Car Insurance Cost in Texas
Drivers in Texas pay an average of $111 per month for liability insurance and $207 for full-coverage insurance, but your exact rate will depend on a few different factors.
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Does Homeowners Insurance Cover Tornado Damage?
Homeowners insurance covers tornado damage in most states. But homeowners in states at high risk of tornadoes might need additional coverage.
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Does Renters Insurance Cover Stolen Cash?
Renters insurance may cover some stolen cash up to a low limit.
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Do Online Insurance Quotes Affect Your Credit Score?
Online insurance quotes generally don't affect your credit score, because insurers use a soft inquiry.
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Does Homeowners Insurance Cover Trampolines?
Backyard trampolines can raise insurance risks. Learn how homeowners insurance treats trampolines and how to protect yourself from liability.
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How to Check Your Car’s Warranty
You can check your car’s warranty by looking at your owner’s manual or bill of sale, using the VIN, going to the manufacturer’s website, contacting the dealership, or getting a CARFAX report.
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Best Extended Car Warranty Companies
Endurance, American Dream, and Omega Auto Care are some of the best car warranty companies.
Best Extended Car Warranty Companies
Endurance, American Dream, and Omega Auto Care are some of the best car warranty companies.
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Guide to Small Business Insurance
Small business insurance is an umbrella term for various policies that protect income, property, and people.
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Motorcycle Insurance Quotes
Find affordable motorcycle insurance coverage with competitive quotes from top insurers.
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Guide to Specialty Vehicle Insurance
Specialty vehicle insurance protects non-standard vehicles, such as RVs, motorcycles, boats, and classic cars, with coverage tailored to their unique risks.
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Electric Vehicle Rebates by State
While federal tax credits ended in 2025, many states still offer rebates, tax credits, and utility perks that can meaningfully reduce the cost of owning an EV.
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Physical Damage Semitruck Insurance
Protect your semitruck from collision, theft, and other damage with the right physical damage insurance policy.
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Commercial Truck Liability Insurance
Here’s what you need to know about trucking liability insurance requirements, costs, and how to get coverage fast to start hauling.
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Best Pet Insurance for Preventative Care
Figo, Embrace, and Pets Best are among the best preventative care pet insurance companies.
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Camera Insurance: Is It Worth It?
Protect your gear from theft, damage, and loss with specialized camera insurance, especially if you’re a passionate hobbyist or professional.
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Farm Equipment Insurance: Coverage and Costs
Farm equipment insurance helps protect expensive machinery, like tractors and sprayers, from theft, damage, and mechanical failure.
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Bus Insurance: Coverage Options and Costs
Bus insurance protects transportation businesses from financial losses related to accidents, passenger injuries, and vehicle damage while operating buses for commercial or nonprofit purposes.
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Accident With a Borrowed Car in New York: What Happens?
What happens after an accident with a borrowed car depends on whether you gave the driver permission, who caused the accident, and more.
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How Much Is Insurance for a 26-Foot Box Truck?
It typically costs several hundred dollars per month to insure a 26-foot box truck. Rates vary widely depending on coverage, region, and risk profile.
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Affordable Health Insurance: How to Find Coverage That Fits Your Budget
Explore marketplace plans, subsidies, and alternative coverage options that work for your income and health needs.
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Guide to Excavator Insurance
Excavator insurance protects your heavy equipment against theft, damage, and breakdowns while providing liability coverage for accidents on the jobsite.
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Guide to Owner-Operator Semitruck Insurance
Here’s what you need to know to get the coverages and paperwork necessary to roll legally, cut premium costs, and keep your trucking business profitable from day one.
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Best RV Insurance Companies
Progressive, Nationwide, Roamly, Good Sam, and National General stand out with comprehensive coverage options, competitive rates, and excellent customer service.
Guide to RV Insurance
Learn what RV insurance covers, how much it costs, and how to find the right policy for your motor home, travel trailer, or camper.
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Life Insurance Quotes: Compare Rates Online in Minutes
Learn what life insurance costs, what drives your rate, and how to find the right coverage for your family’s budget.
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How Does Life Insurance Work?
Life insurance provides financial protection for your loved ones by paying a death benefit when you pass away.
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Travel Insurance Companies
Learn about several top travel insurance companies, and find out how they differ.
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Business Interruption Insurance: Coverages and Costs
Business interruption coverage can protect your business from the financial effects of unexpected shutdowns.
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Business Insurance Brokers: What to Know
Business insurance brokers can help business owners find the right coverage by comparing policies, insurers, and prices.
Trucking Business Insurance: Coverages, Costs, and Quotes
A trucking business insurance policy typically provides several types of coverage, such as liability, physical damage, and cargo protection. It’s often required by law or client contracts.
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Semitruck and Trailer Insurance: Coverages and Costs
Semitruck and trailer insurance is essential for commercial drivers and fleet operators. It covers everything from liability claims to physical damage and cargo losses.
Progressive Commercial Auto Insurance Review and Quotes
Progressive is a solid choice for commercial auto insurance thanks to its flexible coverage options, competitive fleet rates, and tech-forward tools like Snapshot ProView.
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Hyundai Sonata Car Insurance Quotes
Hyundai Sonata owners pay an average of $111 per month for basic liability coverage and $210 per month for full-coverage insurance.
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Florida Car Insurance Laws
Florida requires all drivers to carry property damage liability and personal injury protection. Going without insurance has serious consequences.
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GMC Sierra 1500 Car Insurance Quotes
Insurance for the GMC Sierra 1500 averages $184 per month for full coverage and $98 for liability-only coverage. But your rate may vary depending on several factors.
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How Long Does Pet Insurance Take to Kick In?
Pet policies have waiting periods, and they can vary significantly depending on the type of care and the insurance company.
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Infiniti Q50 Car Insurance Quotes
Insuring an Infiniti Q50 costs an average of $282 per month for full coverage, though your rate may vary depending on many factors.
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What Does a Car Warranty Cover?
Car warranty coverage can vary depending on the type of warranty and your plan’s provider.
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Nissan Maxima Car Insurance Quotes
The Nissan Maxima costs an average of $164 per month to insure, though your rate may vary based on multiple factors.
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Does U.S. Health Insurance Cover International Travel?
U.S. health insurance doesn’t cover medical expenses outside the country, but alternative coverage options exist.
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Is Phone Insurance Worth It?
It’s important to evaluate your risks, savings, and budget to determine whether phone insurance is right for you.
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Hyundai Recommended Maintenance Schedule
Keeping up with your model’s recommended maintenance schedule can extend your Hyundai’s life and minimize costly repairs.
Nissan Recommended Maintenance Schedule
Keeping up with your model’s recommended maintenance schedule can extend your vehicle’s life and minimize costly repairs.
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Liberty Mutual Home Insurance Review: Ratings and Quotes
Liberty Mutual offers a variety of home insurance coverages, but its customer satisfaction ratings and complaint index are poor.
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Accident With a Borrowed Car in Florida: What Happens?
It depends on who caused the accident, if you allowed the driver to use your car, and more.
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Best Commercial Truck Insurance Companies
Great West Casualty Company, 1st Guard, and Progressive are some of the top choices for commercial truck insurance.
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How to Find Cheap Commercial Auto Insurance
Understanding the factors that influence rates, shopping around, and maximizing discounts are just a few key ways to save on commercial auto coverage.
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Guide to Term Life Insurance — and How It Works
Term life insurance offers straightforward coverage for a set period of time.
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What Is Guaranteed Life Insurance, and How Does It Work?
Guaranteed life insurance offers lifetime coverage without requiring a medical exam.
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Life Insurance for Children: Should You Buy It?
It’s important to weigh the costs and benefits to determine if this coverage is right for your family.
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What Does Life Insurance Cover?
Life insurance pays out a benefit in most cases of death, with some exceptions.
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Voluntary Life Insurance: What It Is and How It Works
Purchasing this supplemental coverage through your employer can be less expensive than buying a stand-alone policy.
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