Frequently Asked Questions

Yes — completely free, ad-supported. No subscriptions, no daily limits, no signup walls.

No. We do not have an email field. We do not pass you to brokers. The estimate runs locally and you leave.

Within ±20-30% of real carrier quotes for typical profiles. We use industry-average rate factors. Always get 3+ real quotes before buying — actual rates vary 30-50% across carriers.

Real auto premiums depend on your specific carrier, credit score (in most states), exact ZIP, vehicle make/model, and dozens of underwriting factors. Our estimate is a directional number — useful for comparison, not as a final quote.

Use the Deductible Calculator. The high deductible saves you premium each year — but you have to be able to absorb the higher out-of-pocket if you claim. The breakeven depends on your claim probability and emergency fund.

The DIME method: Debt + Income×years + Mortgage + Education for kids. Most working-age adults with dependents need 8-12x annual income.

Term + invest-the-difference beats whole life in 90% of scenarios. Whole life makes sense for estate planning at very high net worth, lifetime obligations like special-needs dependents, or when discipline to invest the difference is unrealistic.

Yes if you have meaningful net worth or future income (which can be garnished). Umbrella is cheap — typically $200-$400/yr per $1M of coverage — and protects everything else you own.

Use the COBRA vs Marketplace Calculator. Generally ACA marketplace is cheaper after subsidies, except if you have specific in-network providers you want to keep or have already hit your deductible/OOP for the year.

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