Plutus Award winner
12+ years writing about insurance and personal finance
Emily is a widely recognized expert on personal finance and has authored several personal finance books. She’s a frequent guest on national and regional media.
Featured in
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated October 29, 2024
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Residents of Jacksonville, North Carolina, may be surprised to find that car insurance rates are so affordable, given that the city is so close to the Atlantic Ocean.
With an overall average cost of $78 per month, Jacksonville drivers pay less than the statewide average of $77 per month and the national monthly average of $158. The city’s smaller population size of 70,420 and less congested roadways may contribute to its lower insurance costs.
But your exact auto insurance rate will depend on a number of factors. Here’s what you need to know about comparing quotes and securing the best auto insurance in Jacksonville.
Midvale Home & Auto, Erie, and Nationwide have the cheapest car insurance in Jacksonville.
Jacksonville drivers pay a yearly average of $1,160 for full-coverage policies.
North Carolina uses the pure contributory negligence rule, which states that you can’t sue for damages if you’re found to be as little as 1% responsible for an accident.
3 of the cheapest car insurance companies in Jacksonville
Finding the best auto insurance company depends on your specific situation and coverage requirements since insurance companies consider several factors to determine your premium costs, including your age, driving history, and ZIP code.
Erie, Direct Auto, and Nationwide each stand out for certain customer needs. Though they’re some of the best insurers in Jacksonville, be sure to compare quotes from other insurers, too, as they may be a better fit for you.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
---|---|---|---|---|
Erie | 9.0 | $63 | $41 | Customer satisfaction |
Direct Auto | 7.3 | $103 | $53 | High-risk drivers |
Nationwide | 8.7 | $63 | $41 | Drivers with bad credit |
Our editorial team spent more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for customer satisfaction: Erie
User Reviews | 3.9 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0/10 |
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. | $40/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. | $62/mo |
Founded in 1925, Erie is a nearly 100-year-old regional insurer focusing squarely on providing excellent service and protection for an affordable price. Erie was among the highest ranked in customer satisfaction in the Southeast region in J.D. Power’s 2023 U.S. Auto Insurance Study.
Erie Rate Lock feature allows you to lock in your premium
Offers accident forgiveness and diminishing deductibles
Just 2.5 stars (out of 5) on Trustpilot
Available in only a handful of states
Erie Insurance Unreliable
Expensive but Efficient Company
Could be Better
Best insurer for high-risk drivers: Direct Auto
User Reviews | 2.5 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.3/10 |
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. | $52/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. | $106/mo |
Direct Auto specializes in providing insurance to drivers who other companies have turned down because of their driving history. Direct has offered non-standard insurance to drivers all over the Southeast since 1991.
Offers affordable insurance to higher-risk drivers
Flexible payment options
Only offers auto insurance, so no bundling opportunities
Trustpilot rating of 2.1 stars, and may customer complaints about high costs
Desire for Better Discounts for Good Drivers
Used to be great, but now not so good.
Insurance Rates
Best insurer for drivers with bad credit: Nationwide
User Reviews | 3.3 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7/10 |
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. | $40/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. | $62/mo |
Nationwide offers moderately priced coverage to drivers with less-than-perfect credit. Nationwide does consider your credit record when determining your premiums. But if an extraordinary life event has affected your credit — like a natural disaster, serious illness or injury, divorce, job loss, or overseas deployment — you may qualify for a reconsideration of your premium.
Wide array of insurance products
Offers usage-based insurance
Below-average J.D. Power customer satisfaction rating in the Southeast region
Average customer review rating of 1.15/5 stars on the BBB website
Great company
Unsatisfactory Service
I was upset that I received a non-renewal letter over two issues that were resolved a year prior. My local representative resolved the issue quickly.
How to get the cheapest car insurance in Jacksonville
Several factors determine your insurance rates, including your driving record, the type of car you drive, the amount of time you spend on the road, and your level of coverage. While these are mostly in your control, insurers also use factors like your age, marital status, gender, and location to determine your rates.
Here are some strategies you can adopt to ensure you get cheap car insurance that provides the coverage you need:
Compare quotes. Insurance companies use different formulas to determine your rate. Shop among multiple insurers to find coverage at a price you can afford.
Raise your deductible. A higher collision or comprehensive deductible means lower premiums. But make sure you have enough money to cover the higher deductible cost if you need to file a claim.
Apply for discounts. Many insurance companies offer numerous discounts to customers, including bundling discounts for people who get multiple policies from the same insurer, payment discounts for people their policy in full rather than monthly, and low-mileage discounts for people who drive less than average.
Drive safely. Maintaining a clean driving record is one of the best ways to get and keep low insurance rates.
Cheapest liability-only car insurance in Jacksonville: Midvale Home & Auto
If you’re at fault in a car accident, liability coverage will pay to repair or replace the other party’s car (or other damaged property) and their associated medical costs. But it won’t cover damages to your car or your medical expenses because of an accident you caused.[1]
Liability insurance costs an average of $59 per month in Jacksonville.
The cheapest rates for auto insurance are for liability-only insurance policies, but you’ll be on the hook for more out-of-pocket expenses if you cause an accident while carrying only liability coverage. Consider the following insurers for the best liability-only coverage in Jacksonville.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Midvale Home & Auto | $34 |
Erie | $40 |
Nationwide | $40 |
GEICO | $46 |
Liberty Mutual | $49 |
Travelers | $51 |
Direct Auto | $52 |
Safeco | $52 |
Dairyland | $53 |
Allstate | $55 |
Progressive | $56 |
National General | $63 |
State Farm | $66 |
Cheapest full-coverage car insurance in Jacksonville: Erie
Full-coverage car insurance provides more financial protection than liability-only policies because it includes collision coverage, which pays to repair or replace your vehicle if you cause an accident, and comprehensive coverage, which pays for damage to your car from something other than an accident, including storms, theft, or vandalism.
Jacksonville drivers pay a monthly average of $97 for full coverage.
A driver with a financed or leased car generally must buy full-coverage car insurance to protect against potential damage. Consider the following cheap full-coverage car insurance companies in Jacksonville.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Erie | $62 |
Nationwide | $62 |
Midvale Home & Auto | $68 |
GEICO | $71 |
Travelers | $78 |
Allstate | $85 |
Progressive | $87 |
State Farm | $102 |
Direct Auto | $106 |
Safeco | $113 |
National General | $115 |
Liberty Mutual | $181 |
Dairyland | $253 |
Cheapest recent rates near Jacksonville, North Carolina
Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $64/mo for full coverage in Jacksonville and other North Carolina cities.
*Quotes generated for Insurify users in and around Jacksonville, North Carolina within the last 10 days. Last updated on October 29, 2024
*Quotes generated for Insurify users in and around Jacksonville, North Carolina within the last 10 days. Last updated on October 29, 2024
Car insurance requirements in North Carolina
North Carolina is an at-fault state, which means that the person who caused an accident is the one whose insurance must pay for the damages. But North Carolina is also one of the handful of states using the pure contributory negligence rule. Under this rule, if a person is determined to be even 1% at fault in causing an accident, that person can’t sue for damages.
In addition to the minimum liability coverage requirements, the Tar Heel State requires all drivers to carry uninsured/underinsured motorist insurance, which covers you when a driver causes a crash but doesn’t have insurance or enough insurance to cover your bodily injury and property damage costs. Any insurance policy you purchase in North Carolina must include this coverage to meet the minimum state requirements.[2]
North Carolina's minimum coverage requirements will increase on Jan. 1, 2025 to $50,000 for property damage, $50,000 bodily injury liability per person, and $100,000 bodily injury liability per accident.
Coverage ▲▼ | 2024 Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $30,000 per person / $60,000 per accident |
Property damage liability | $25,000 per accident |
Uninsured motorist coverage | $30,000 per person / $60,000 per accident / $25,000 per accident for property damage |
Though North Carolina drivers aren’t required to carry more coverage than the above limits, many increase their coverage for more financial protection. That may mean paying for a policy with higher limits for bodily injury liability and property damage liability coverage. But you may also choose to buy additional coverage, such as:
Collision coverage
If you’re at fault in an accident with another vehicle or stationary object, collision insurance will pay to repair or replace your vehicle. This may be especially important in North Carolina since it’s an at-fault state following the pure contributory negligence rule. Collision also pays for damage from hitting a pothole or a rollover accident.
Comprehensive coverage
If your vehicle is damaged by something other than an accident, such as theft, vandalism, fire, weather hazards, or a cracked windshield, comprehensive insurance will pay to repair or replace it.
Accident forgiveness
Insurers typically increase your premium upon renewal after an accident. With optional accident forgiveness coverage, your costs won't rise after your first at-fault accident. But you'll need to buy the coverage before an accident occurs, and generally need at least three years of clean driving record to qualify to buy accident forgiveness.
Gap insurance
Because new vehicles depreciate quickly, it's possible to owe more on a lease or loan than you receive for a claims payout if your vehicle ends up a total loss. Gap coverage bridges the difference between your loan or lease balance and your claims payout amount so you won't end up paying off your totaled vehicle.
Cheapest car insurance for drivers with an incident
If you have an incident on your driving record, such as an at-fault accident, speeding ticket, DWI, or other moving violation, affordable auto insurance in Jacksonville may be a little harder to find. That’s because even a single incident in your driving history can increase your rates for several years.
Insurance companies are more likely to consider you a high-risk driver if you have one of these incidents on your record, but you can still find affordable rates with the right insurers.
Cheapest car insurance for drivers with a speeding ticket
Driving faster than the speed limit may seem harmless, but it can have serious consequences. Not only are you more likely to be cited for speeding, but it can mean fines, points on your license, and an increased insurance rate for three to five years.
Jacksonville drivers with a speeding ticket pay an average of $92 per month for liability coverage and $151 per month for full coverage.
If you’ve gotten a speeding ticket, you’ll likely be on the hook for higher insurance premiums, but the following companies still offer affordable liability-only car insurance after a speeding ticket.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
---|---|---|
Erie | $40 | $56 |
Nationwide | $40 | $55 |
GEICO | $46 | $63 |
Liberty Mutual | $49 | $72 |
Travelers | $51 | $70 |
Direct Auto | $52 | $71 |
Safeco | $52 | $72 |
Dairyland | $53 | $73 |
Allstate | $55 | $75 |
Progressive | $56 | $77 |
National General | $63 | $87 |
State Farm | $66 | $89 |
Cheapest car insurance for drivers with an at-fault accident
Your insurance premiums will typically increase if you have an at-fault accident on your record. In some cases, your insurer may even drop you after an at-fault accident, depending on the circumstances and severity of it, as well as your driving history.
Liability insurance costs an average of $98 per month in Jacksonville for drivers with an at-fault accident on their record.
While it can be difficult to find affordable car insurance after an at-fault accident, the following insurers can help Jacksonville residents get the liability coverage they need.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
---|---|---|
Erie | $40 | $60 |
Nationwide | $40 | $59 |
GEICO | $46 | $67 |
Liberty Mutual | $49 | $76 |
Travelers | $51 | $75 |
Direct Auto | $52 | $77 |
Safeco | $52 | $74 |
Dairyland | $53 | $77 |
Allstate | $55 | $80 |
Progressive | $56 | $83 |
National General | $63 | $92 |
State Farm | $66 | $96 |
Cheapest car insurance for drivers with a DWI
Driving while intoxicated is one of the most severe traffic violations a driver can commit. Both law enforcement and insurance companies take DWIs very seriously, which means drivers can expect severe consequences. These consequences may include expensive fines, points on your license, suspension of driving privileges, and significant car insurance rate increases for up to 10 years — if your insurer doesn’t drop you altogether.
Jacksonville drivers with a DUI pay an average of $107 per month for a minimum-coverage policy. That average increases to $176 per month for full coverage.
The following insurers provide the least expensive liability-only coverage to Jacksonville drivers with a DWI.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DWI ▲▼ |
---|---|---|
Erie | $40 | $69 |
Nationwide | $40 | $69 |
GEICO | $46 | $80 |
Liberty Mutual | $49 | $85 |
Travelers | $51 | $88 |
Direct Auto | $52 | $90 |
Safeco | $52 | $90 |
Dairyland | $53 | $92 |
Allstate | $55 | $95 |
Progressive | $56 | $97 |
National General | $63 | $109 |
State Farm | $66 | $114 |
Cheapest car insurance for seniors
Age is one of the main factors that help insurers determine your premium. Insurers have found that younger drivers are more likely to file claims, so drivers generally find their auto insurance rates decrease once they reach age 25 since they have more maturity and experience behind the wheel.
Drivers generally pay lower rates until they reach their 70s. Around age 70, accident rates begin to increase for senior drivers, so rates tend to increase again.
Senior drivers in Jacksonville pay $49 per month, on average, for liability insurance. The cheapest car insurance in Jacksonville for seniors includes the following insurers.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
---|---|---|
Erie | $30 | $47 |
Nationwide | $30 | $46 |
GEICO | $37 | $57 |
Progressive | $40 | $63 |
Travelers | $40 | $61 |
Direct Auto | $41 | $83 |
Liberty Mutual | $41 | $151 |
Dairyland | $42 | $202 |
Allstate | $44 | $68 |
Safeco | $44 | $95 |
National General | $49 | $89 |
State Farm | $51 | $79 |
Cheapest car insurance for teens
Teenage drivers have less experience on the road than other drivers and are more likely to take risks that older drivers would avoid, leading to a high accident rate. Because of this, insurance rates for young drivers are much higher than for adults.
Teen drivers in Jacksonville pay monthly averages of $98 for liability coverage and $161 for full coverage.
Adding a teen driver to the family auto insurance policy can be expensive, but teens can do several things to keep their auto insurance more affordable, including staying on their parents’ insurance policy, driving a safe car, taking a defensive driving course, and applying for a good student discount. Keep in mind, minor teens aren't legally allowed to buy their own car insurance policy without the written consent of a parent or guardian.
The following insurers offer some of the cheapest monthly car insurance quotes for teens in Jacksonville.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
---|---|---|
Erie | $66 | $102 |
Nationwide | $67 | $105 |
GEICO | $71 | $110 |
Dairyland | $85 | $405 |
Liberty Mutual | $85 | $313 |
Travelers | $90 | $138 |
Direct Auto | $93 | $189 |
Allstate | $95 | $147 |
Progressive | $97 | $151 |
Safeco | $102 | $221 |
State Farm | $110 | $170 |
National General | $122 | $222 |
Jacksonville car insurance quotes by credit tier
Your credit history may affect your auto insurance rates in North Carolina.[3] Many insurance companies use credit information as a factor in determining premium costs. Drivers with good to excellent credit scores may pay lower rates than drivers with poor credit scores.
Here are the average monthly quotes for insurance in Jacksonville by credit tier:
Rates by Credit Tier
Is car insurance more expensive in Jacksonville?
Full-coverage car insurance costs less in Jacksonville than in North Carolina, though liability-only insurance is similar to the state average. North Carolina’s average monthly cost for auto insurance is $55 for liability only and $99 for full coverage.
Jacksonville residents pay an average of $59 per month for liability-only coverage and $97 per month for full-coverage insurance.
Insurance costs can vary widely within a state, and even within a city. The difference in rates between Jacksonville and the rest of the state can be related to demographics, population density, crime statistics, or other geographical factors.
More cities in North Carolina
You can see how Jacksonville rates compare to some other North Carolina cities in the table below.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
---|---|---|
Charlotte | $133 | $74 |
Fayetteville | $119 | $69 |
High Point | $100 | $62 |
Raleigh | $104 | $61 |
Jacksonville car insurance FAQs
Finding the best car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Jacksonville.
How much is car insurance in Jacksonville?
Car insurance in Jacksonville costs $78 per month, on average. Drivers in the state pay $97 per month for full-coverage insurance and $59 per month for liability coverage. Your exact premium will depend on your insurer, driving record, age, credit history, vehicle type, chosen coverage level, and more.
Which company has the cheapest car insurance in Jacksonville?
Midvale Home & Auto has the cheapest car insurance in Jacksonville, with monthly liability rates as low as $34. Erie and Nationwide also offer affordable coverage, with respective monthly liability rates of $40 and $40.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Jacksonville?
With an Insurify Quality (IQ) Score of 9.0 out of 10 and an AM Best financial strength rating of A+ (Superior), Erie is the best car insurance company in Jacksonville. Of the insurers Insurify has rate data for, other top Jacksonville choices include Direct Auto and Nationwide.
Is North Carolina a no-fault state?
No. North Carolina is an at-fault state, meaning that the driver at fault is responsible for paying the injured party’s expenses.
What are the penalties for driving without insurance in North Carolina?
Driving without insurance in North Carolina can lead to fines, a suspended license, and even jail time.
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
- 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.
Related articles
More cities in North Carolina
Sources
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- North Carolina Department of Motor Vehicles. "Insurance Requirements."
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Emily lives in Milwaukee with her family.
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.