Author
Managing Editor
Sarah Mitchell is the Managing Editor of Best Insurance Guide. She leads the editorial team that researches, writes and fact-checks our guides on home, auto and renters insurance, working with our contributors and reviewer network to verify claims against regulator and industry sources before publication. *Editorial note: contributor profiles reflect current editorial roles. License numbers and verifiable professional credentials are published here as contributors provide them. Our guides are educational and do not constitute personalized financial advice — always confirm details with a licensed agent or your state insurance department before buying.*
home insuranceAll Other Perils is the flat deductible on a home policy, and it is the one that does not apply to the claim you are most likely to make in a storm state.
car insuranceAlabama is one of a handful of states using pure contributory negligence. If you are one percent responsible, you recover nothing. That should change what you buy.
car insuranceAtlanta premiums vary more between neighbourhoods than most drivers vary between insurers. What drives the metro rating, and the levers that still work inside it.
car insuranceAdding a sixteen-year-old is the largest single premium event most households ever see. What drives it, what genuinely reduces it, and the mistake that costs the most.
car insuranceKansas requires personal injury protection, which means your own policy pays your medical bills first regardless of fault. That changes how you should set the limits.
car insuranceKentucky lets drivers reject no-fault in writing and keep an unrestricted right to sue. Almost nobody knows the choice exists, and it changes what a serious claim is worth.
car insuranceMontana combines the country's highest animal collision odds with air ambulance distances and a high uninsured driver rate. All three argue for buying more than the minimum.
car insurancePennsylvania sets some of the lowest liability minimums in the country and then asks every driver to choose between full and limited tort. Both facts decide what a claim pays.
car insurancePhiladelphia is the most expensive place in Pennsylvania to insure a car, and the cheapest-looking policies get there by selling away your right to claim for pain and suffering.
car insuranceMissouri makes uninsured motorist cover mandatory and still has one of the higher uninsured rates in the country. That combination should change what you buy, not just where you shop.
car insuranceSouth Carolina lets a driver register a vehicle without insurance by paying a fee, and it makes uninsured motorist cover mandatory. Both facts should change what you buy.
car insuranceA non-owner policy covers your liability when you drive vehicles you do not own. Who genuinely needs one, what it refuses to cover, and why a gap in cover is expensive.