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 New Rates Are Available In Most States! Get Started Saving on Insurance

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Affordable  Insurance

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Are you tired of not being in control of your insurance choices? 
We can help! We'll help you pick the best plans, from health, to auto and beyond and get you the information and pricing you want to see. 

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Click the button and give us your best email address to get your guide to help you save money every month on car insurance.


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Protect You & Your Family


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Your Insurance Shouldn't Be A Pain

Everyone needs insurance, but spending more than you should for the insurance you want doesn't make sense.

When you need to protect you, your family or your property, most people just want what makes sense for them at a fair price.

However, it seems the minute you buy insurance, you're left with the feeling of "did I get the best price?", "Is this going to cover what I need?", and the worst one - "That insurance agent was sure pushy, I wonder if they get some special bonus on what they sold me? (hint: the answer is likely yes!)."

We're different.

We help educate folks about insurance and find them the BEST policies for their needs and budgets. We'll connect you with the right carriers for you with no pressure and no hidden sales agendas.

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We want to help!

Why Is getting decent insurance so hard?

It's Not Fair!


Does This Sound Like You?

Earning money is hard, keeping it is even harder! Just one serious un-insured issue could affect the rest of your financial life. However, it seems like insurance of any type is either too expensive or gives you too little or too much coverage for what's perfect for you.

  • Do you feel like... The insurance industry is just a big money grab, with you funding the party?
  • Does it seem... I have no outside help or resources to make smart insurance decisions?
  • Are you frustrated that... It's hard to trust the people that are doing the selling?
  • And when it comes down to it, do you...  know if you're paying too much?


Proven Outcomes


"Glad I Did..."  Last time i got health insurance, it was a disaster. Too much money for coverage that made me cry.  This time, I was able to get hooked up with a provider that gave me exactly what I wanted and I could actually afford it."



"I Love My Car!... and my insurance!"  I finally bought my first new car and want to keep it nice for a long time. I wanted complete coverage for my new car, but until you got me connected, everyone wanted too much. They worked with my budget and credit and I couldn't be happier."



"Easy!" My last insurance was through my work, but now I work for me, and all the plans I could find were super expensive or didn't really cover anything. That is until your got me set up.  Thanks! "


Yes, It's Real...

The Actually Interesting
Insurance Podcast

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When you think of insurance, you think pain and boring. Well, we set the insurance world on fire with funny, inspiring and interesting insurance stories that teach a lesson in each episode.

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Episode 132- Auto Insurance Wins the Day
Auto insurance is complicated to most people and it's not until you need it that you learn about real coverage.  Listen To More

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Episode 143- When Healthcare Actually Cares
When Vatalia Kessing brought her daughter to the doctor she was as concerned about her insurance as her daughter. But...  
Listen To More

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Episode 178- Stories from the Stupid
When do fire, glue and being stupid make a funny story. Well, we've got one for you on this episode.  Listen To More


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Protect You & Yours

Healthcare Insurance

Healthcare shouldn't just be for emergencies - that's why they call it "Care". However, it shouldn't be too expensive to use either. 
Let Us Help You Find Great Healthcare Coverage:

  • ​Great Coverage, so you can be protected when it counts.
  • ​Great Rates, so you can keep your money.
  • ​Great Extras, so you can get the most of what you pay for.
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Protect Your Car or Truck

Automobile Insurance

Your car or truck is one of the biggest investments you pay monthly on. You need to protect it from harm and make sure you're covered for accidents.
Let Us Help You Find Great Automobile Insurance Coverage:

  • ​Great Coverage, so you can be protected when it counts.
  • ​Great Rates, so you can keep your money.
  • ​Great Extras, so you can get the most of what you pay for.
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Protect Your Legacy

Life Insurance

You want to give your family a future when you pass on. Shouldn't you get the best policy for the lowest amount?
We'll show you how to get the best life insurance at the lowest rates:

  • ​Great Coverage, so you can be protected when it counts.
  • ​Great Rates, so you can keep your money.
  • ​Great Extras, so you can get the most of what you pay for.

Affordable American Insurance

Insurance in the United States Explained

Insurance in the United States is a system in which individuals and businesses pay premiums to an insurance company in exchange for protection against potential financial losses. The insurance industry in the United States is regulated at the state level, with each state having its own laws and regulations governing insurance companies and the products they offer.

In this article, we'll explore the history of insurance in the United States and how it has evolved over the years. We'll also discuss some of the key benefits of using insurance in the US, as well as cover some of the most common types of insurance that Americans use.

Why Is Insurance Important?

Insurance is important for a variety of reasons in the USA, including:

Protection against financial loss: Insurance provides a safety net against unexpected events that can cause financial loss, such as a car accident or a natural disaster. By paying a small amount of money (the insurance premium) upfront, you can avoid the potentially devastating financial consequences of such events.

Compliance with legal requirements: Some types of insurance are required by law, such as auto insurance and workers' compensation insurance.

Risk sharing: Insurance allows individuals and businesses to share the risk of loss with others who have similar exposures. By pooling premiums, insurance companies are able to pay claims to those who experience losses, without those individuals or businesses having to bear the full financial burden themselves

Protection of assets: Insurance can help protect assets such as homes, cars, and businesses from financial loss due to damage or theft.

Economic stability: Insurance can help promote economic stability by reducing the financial impact of unexpected events. For example, if a large number of people are affected by a natural disaster, insurance can help ensure that the costs of rebuilding and recovery are spread out among many individuals and businesses rather than falling solely on the affected parties.

Overall, insurance is an important part of the United States' economic and legal systems, providing protection against financial loss, legal compliance, and access to essential services such as healthcare.

What are the 7 main types of insurance in the USA?

There are several types of insurance policies available in the USA, but here are the seven main types of insurance:

Health Insurance

Health insurance is a type of insurance that provides financial protection for medical expenses. When you have health insurance, you pay a regular premium to the insurance company, and in exchange, the insurance company agrees to cover some or all of the cost of medical care you receive. Health insurance policies can vary widely in terms of coverage and cost. Many people in the United States receive health insurance through their employers, while others purchase individual policies on their own.

Health insurance policies typically cover a range of medical services, including doctor visits, hospital stays, diagnostic tests, and prescription medications.

It's also important to note that health insurance does not cover all medical expenses. Many plans have exclusions and limitations, and some services may require prior authorization or referrals from a healthcare provider. It is crucial to understand the details of your health insurance policy to truly make the most of your coverage.

Life insurance

Life insurance is a service that provides protection for an individual's life. The insurance can be bought in advance or paid out as needed. There are many different types of life insurance, and each has its own benefits. For example, a policy that offers death benefits will give the person who buys it the money necessary to cover debts and funeral costs if they die.

Life insurance policies come in a variety of formats, including whole life insurance, universal life insurance, variable universal life insurance, term life insurance, and

Life insurance can be purchased through a number of channels, including online marketplaces like insurance by owner's websites and agents. It is important to understand various types of life insurance before making a purchase to ensure that you are receiving appropriate coverage at an affordable cost.

Car Insurance

Car insurance is a type of insurance that provides financial protection to drivers in the event of a car accident or other related incidents. In the United States, car insurance is mandatory in most states, although the specific requirements may vary by state.

There are several types of car insurance coverage available in the USA, including liability insurance, collision insurance, comprehensive insurance, personal injury protection (PIP), and uninsured/underinsured motorist coverage.

liability coverage

Liability car coverage is a type of auto insurance coverage that provides financial protection to a driver in case they are held liable for causing injury or damage to others in a car accident.

Having liability coverage can help protect your finances and assets in case of unexpected accidents or incidents. It is important to carefully review your insurance policy and understand the coverage and limitations of your liability coverage to ensure you have adequate protection in place.

Collision Insurance

Collision insurance can help protect you from getting a financial loss if the other person is injured in the accident.

It's important to note that collision coverage only covers damage to your own vehicle and not the other party's vehicle or any injuries sustained in the accident. For this reason, collision coverage is often paired with liability coverage, which covers damages and injuries to the other party in an accident for which you are at fault.

Comprehensive insurance

Comprehensive insurance, also known as "comp" or "other than collision" coverage, is an optional type of auto insurance coverage that helps pay for damage to your vehicle that is not the result of a collision with another vehicle or object. Comprehensive coverage typically protects against damage from natural disasters, theft, vandalism, fire, falling objects, and other non-collision-related events.

Personal injury protection (PIP)

Personal injury protection (PIP) is a type of car insurance coverage that provides medical and other related expenses to you and your passengers in the event of an accident, regardless of who was at fault.

PIP typically covers medical expenses, lost wages, and other related costs such as transportation expenses or home care services.

PIP coverage is often referred to as "no-fault" coverage because it pays out regardless of who caused the accident. This can be beneficial because it can help injured parties receive compensation more quickly than if they had to go through a lengthy claims process to determine who was at fault for the accident. However, some states have limitations on the amount of compensation that can be awarded under PIP coverage, so it is important to check the laws in your state.

The cost of car insurance in the USA varies based on several factors, including the type and amount of coverage, the driver's age and driving record, the type of car being insured, and the state in which the driver resides. It's important to research and compare rates from other providers to choose the best coverage at the best price.

Home Insurance

Home insurance is a type of insurance policy that provides financial protection against damage to a person's home and its contents. It can also provide liability coverage for accidents that occur on the property.

Home insurance policies typically cover a range of perils, including fire, theft, and natural disasters such as storms and earthquakes. The coverage can vary depending on the policy and the insurance company, so it's important to review the policy terms and conditions carefully to understand what is covered

Travel Insurance

Travel insurance is a type of insurance that is designed to provide coverage and protection to individuals while they are traveling. This type of insurance typically covers a range of potential issues that can arise during travel, such as trip cancellation or interruption, medical expenses, emergency medical evacuation, lost or stolen baggage, and more.

There are several types of travel insurance policies available in the USA, and it's important to choose the right one based on your travel needs and budget. Some policies are designed for single trips, while others may cover multiple trips over a certain period of time. Some policies may also offer additional coverage for adventure or extreme sports, as well as coverage for pre-existing medical conditions.

Travel insurance can be purchased directly from insurance companies, as well as through travel agencies or other travel providers. The cost of travel insurance varies depending on a number of factors, including the length and destination of the trip, the level of coverage desired, and the traveler's age and medical history.

Business Insurance

Business insurance is a type of insurance policy that provides protection to businesses against financial losses resulting from unexpected events such as property damage, liability claims, theft, and other risks that may cause harm to the business.

Some common types of business insurance in the USA include:

General liability insurance: provides coverage for third-party bodily injury and property damage claims arising from business operations.

Property Insurance: This policy provides coverage for damages to your business property caused by various events such as fire, theft, vandalism, or natural disasters.

Professional Liability Insurance: This policy provides coverage for professionals, such as lawyers, doctors, and accountants, against claims of malpractice or negligence.

Cyber Liability Insurance: This policy provides coverage for businesses against losses or damages caused by cyberattacks, data breaches, and other cyber-related risks.

Business Interruption Insurance: This policy provides coverage for lost income and expenses incurred due to a covered event that disrupts your business operations.

It's important for businesses to assess their specific risks and needs and obtain appropriate insurance coverage to protect themselves and their assets.

Luxury Insurance

Luxury insurance refers to insurance policies that provide coverage for high-value items such as luxury homes, expensive cars, and valuable personal belongings. These policies typically offer higher coverage limits than standard insurance policies and may also provide additional benefits such as concierge services, extended replacement cost coverage, and access to specialized claims adjusters.

Some examples of luxury insurance products available in the USA include:

High-Value Home Insurance: This type of insurance provides coverage for luxury homes and typically includes features such as extended replacement cost coverage, coverage for high-value personal property, and liability protection.

Exotic Car Insurance: Exotic car insurance provides coverage for expensive, high-performance vehicles such as sports cars and luxury vehicles. These policies may offer higher coverage limits and may also provide coverage for custom parts and equipment.

Yacht Insurance: Yacht insurance provides coverage for high-value boats and watercraft. These policies may include coverage for damage to the yacht, liability protection, and coverage for personal property on board.

Private Jet Insurance: Private jet insurance provides coverage for private aircraft and typically includes features such as liability protection, coverage for damage to the aircraft, and coverage for personal property on board.

It's important to note that luxury insurance policies are typically more expensive than standard insurance policies due to the higher value of the items being insured. However, for those who own high-value assets, luxury insurance can provide peace of mind and protection in the event of unexpected losses or damages.

How does an insurance policy work in the US?

Insurance companies provide coverage for a variety of risks, such as car accidents, medical expenses, natural disasters, and theft, among others.

Here's how insurance typically works in the US:

Purchasing Insurance: Individuals and businesses can purchase insurance policies from insurance companies. Insurance policies typically outline the types of risks covered, the premiums (cost of coverage), deductibles (the amount the policyholder pays out-of-pocket before insurance coverage kicks in), and limits (the maximum amount the insurance company will pay for a claim).

Paying Premiums: Policyholders pay premiums to the insurance company, typically on a monthly or annual basis.

Filing a Claim: If an unexpected event occurs and the policyholder experiences a loss covered by the policy, the policyholder can file a claim with the insurance company. The policyholder may be required to provide evidence of the loss, such as receipts, photos, or medical records.

Why is insurance so expensive in the US?

There are several factors that contribute to the high cost of insurance in the United States. Here are a few key reasons:

High healthcare costs: Healthcare costs in the US are significantly higher than in other developed countries. This is due to a variety of factors such as high drug prices, administrative costs, and expensive medical procedures.

Administrative costs: The US healthcare system is complex, with multiple payers (e.g. private insurance companies, Medicare, Medicaid), which increases administrative costs. This means that insurance companies spend a significant portion of their revenue on overhead costs, which are passed on to consumers in the form of higher premiums.

Lack of competition: In some regions, there may be only a few insurance providers, which limits competition and allows insurers to charge higher premiums.

State regulations: Insurance regulations vary from state to state in the US, which can lead to inconsistencies in pricing and coverage.

Overall, the high cost of insurance in the US is due to a combination of factors, including high healthcare costs, administrative costs, lack of competition, pre-existing conditions, age demographics, and litigation costs.

How do you judge an insurance company?

Consider the company's insurance policies and how well they suit your needs.
Make sure that the company has strong financial stability and is able to pay back its creditors

Check out the company's history and see if it has had any legal issues in the past.

Ensure that the insurance company is licensed and regulated by your state or province.

Look for an insurance company that is committed to customer service and satisfaction.

Compare the prices of different insurance companies to find the best deal for you.

Frequently Asked Question

When should I buy life insurance coverage?

Here are some factors to consider when deciding when to buy life insurance

When you have dependents who rely on your income, such as a spouse or children.

When you have significant debts that would be passed on to your loved ones if you were to pass away, such as a mortgage or car loan.

When you have a business or partnership that would need to be protected in the event of your death.

If you have any health issues, it may be wise to purchase life insurance sooner rather than later.

It's important to evaluate your own personal situation and consider what kind of life insurance coverage would be appropriate for you. It is always best to consult with a financial advisor or our insurance professional to determine what type and amount of coverage is best for you.

Can I get my policy canceled once bought?

Yes, it may be possible to cancel a policy after you have bought it, but the specifics will depend on the terms and conditions of your insurance policy and the laws and regulations in your state.

Many insurance companies allow policyholders to cancel their policies within a certain time frame after purchase, often referred to as a "free-look period." During this period, you can review your policy and decide if you want to keep it.

After the free-look period, canceling a policy may result in a penalty or a partial refund depending on the terms of the policy. Some policies may also have cancellation fees, especially if you cancel mid-term.

Can I get a full refund of the premium if canceled within the free-look period?

In many cases, if you cancel your insurance policy within the free-look period, you may be entitled to a full refund of your premium.

The free-look period is typically a short period of time, usually, 10 to 30 days, during which you can review your insurance policy and decide whether you want to keep it or cancel it without penalty.

If you decide to cancel during this period, the insurance company should provide you with a full refund of any premiums you paid.

What will happen if I fail to pay the premium on time?

Failing to pay your insurance premium on time can have various consequences depending on the type of insurance policy you have and the terms and conditions of the policy. Here are some of the possible outcomes:

Lapse of coverage: If you fail to pay your premium on time, your insurance policy may lapse, which means your coverage will no longer be in effect. This means you will not be covered for any future claims until you pay your premium and reinstate your policy.

Late payment fees: Many insurance companies charge late payment fees when a premium payment is not received on time. These fees can be a flat rate or a percentage of the premium amount.

Cancellation: If you fail to pay the premium on time, your account will be suspended and you will not be able to access your account or make any transactions. If you have failed to pay the premium on time more than once, your account may be closed permanently.

Can I get discounts on premiums?

Yes, you can get discounts on premiums in the United States. Some common discounts that are offered include:

● Monthly discounts on premium plans

● Discounts on annual subscriptions

● Discounts on monthly or annual billing cycles

● Exclusive offers for premium subscribers only

● Discounts on specific features or functionalities of the premium plans

● Coupons for exclusive deals or sales events

● Exclusive offers for new customers only

● Multiple discounts are available at the same time, depending on the plan that you have chosen.

Do I need prior approval from the insurance company before going for medical treatment?

It depends on the specific terms and conditions of your insurance policy. Some insurance policies require that you obtain prior approval, also known as pre-authorization, before receiving medical treatment or services. This means that you must contact your insurance company and receive approval before scheduling the procedure or treatment.

The purpose of pre-authorization is to ensure that the medical treatment or service is medically necessary and covered under your policy. Without prior approval, your insurance company may not cover the cost of the procedure or may only cover a portion of it.

To determine whether you need prior approval for medical treatment, you should review your insurance policy documents or contact your insurance company directly. Your insurance company should be able to provide you with information about any pre-authorization requirements and the process for obtaining approval.

Which insurance is mandatory in the USA?

The mandatory insurance in the USA is car insurance if you own a car and while healthcare is not mandatory in the US, you will be penalized on your taxes if you are not able to provide proof of coverage.

Why should I buy health insurance?

Health insurance is an important part of overall financial planning, as it helps to cover costs associated with medical expenses. Health insurance can help to protect you and your family from unexpected expenses, and it may also provide financial assistance in the event of a health crisis.

Can I add my parents to my health insurance in the USA?

Yes, you can add your parents to your health insurance policy in the United States. This is typically done by adding them as dependents on your policy, which will then cover them as long as they are residents of the United States and meet all of the other eligibility requirements for the policy.

Can I add my foreign parents to my health insurance?

Yes, you can add your foreign parents to your health insurance policy. However, you should be aware that doing so may increase your premiums, as the insurance company may view them as a higher-risk population. Also, make sure to read the terms and conditions of your policy carefully to understand all of the relevant details.


In conclusion, the United States has one of the most comprehensive and robust insurance systems in the world. This system is designed to protect citizens from potential risks, both physical and financial. It is important to have strong insurance in case of an emergency, and the country's system of coverage is second to none.