See how we rate auto insurance products to ... premium rates Several factors influence insurance premiums including location, age and health, coverages, lifestyle choices, and more.

Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them.

Standard Auto-Owners homeowners insurance policies offer no-frills, only including coverage for dwelling, other structures, personal property, liability, and loss of use. Optional coverages are ...