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About Timothy's expertise
Timothy Moore is a personal finance writer covering insurance, credit, loans, taxes, and banking. As a Certified Financial Education Instructor, Timothy simplifies complex financial topics to help everyday Americans make better decisions about insurance, budgets, and credit usage.
Timothy has covered personal finance, including automotive, home, pet, and life insurance, for 15 years. You can find his work on sites such as USA Today, TIME, Forbes, Business Insider, Credible, LendingTree, LendEDU, and The Penny Hoarder, as well as with insurers, banks, and lenders such as Kin, SoFi, Chime, and New American Funding. Timothy also serves as the editorial director of a niche travel magazine (print and digital).
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.
Timothy's latest posts
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Cheap Car Insurance in Florida With Bad Credit
State Farm has the cheapest car insurance in Florida for drivers with bad credit, with policies averaging $115 per month.
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Best Home and Auto Insurance in New York
Progressive and Travelers are two of the best companies in New York state for bundling home and auto insurance.
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Cheap Car Insurance Quotes in Newark (July 2026)
The cheapest car insurance in Newark, New Jersey, comes from NJM, at an average of $182 per month for a liability-only policy. But Newark’s high levels of freight and tourism traffic, winter weather, and high number of ticketed drivers make full coverage a good idea for city drivers.
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Cheapest Car Insurance Quotes in Oklahoma City (July 2026)
The cheapest car insurance company in Oklahoma City is State Farm, with an average rate of $39 per month for a liability-only policy. Rates in OKC are higher than elsewhere in the state because of the city’s poor road conditions, heavy highway through traffic, and high vehicle theft rate.
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Texas Car Insurance Requirements in 2026
Texas requires drivers to carry liability insurance with minimum coverage limits of $30,000 per person and $60,000 per accident for bodily injury, and $25,000 for property damage.
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Cheap Car Insurance Quotes in Hayward, California (July 2026)
The cheapest car insurance company in Hayward, California, is USAA, with an average monthly rate of $70 for liability-only coverage. Hayward’s heavy traffic congestion on Interstate 880, high volume of vehicle thefts, and increased flood risk mean higher-than-average insurance rates.
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Cheapest Car Insurance Quotes in Inglewood, California (July 2026)
The cheapest car insurance in Inglewood is USAA, at an average of $91 per month for liability-only coverage. Inglewood’s major sports and entertainment venues and proximity to LAX lead to heavy traffic congestion and a greater chance for collisions, which increases rates.
How Much Is Car Insurance in New York?
Drivers in New York State pay an overall average of $2,328 per year for car insurance.
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Classic Car Insurance in California
Classic car insurance is crucial in California, whether you take your vintage vehicle on a road trip down the Pacific Coast Highway or belong to one of the state’s 135-plus auto clubs.