DWI vs. DUI: Car Insurance Terms Explained (2024)
Unravel the distinctions between DWI and DUI, examining legal definitions, alcohol limits, testing procedures, and penalties, to provide insights into potential repercussions on driving records, license status, fines, education programs, and incarceration.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Insurance Agent
UPDATED: Oct 21, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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In the dynamic landscape of auto insurance, finding the right balance between coverage and affordability hinges on various factors such as credit score, mileage, coverage level, and driving record. Our comprehensive analysis of leading insurance companies unveils a nuanced comparison, revealing insights that cater to diverse customer profiles. Whether you possess an excellent credit score, maintain low mileage, seek comprehensive coverage, or boast a pristine driving record, our data-driven exploration identifies the standout company for each scenario. This succinct guide offers a quick, informative snapshot, guiding readers towards the insurance provider that best aligns with their specific needs and circumstances.
DWI
Pros:
- Clear Definition: DWI, or Driving While Intoxicated, typically involves alcohol or drug impairment, providing a straightforward legal understanding.
- Strict Penalties: DWI convictions often come with strict penalties, acting as a deterrent and promoting road safety.
- Consistency Across States: The term DWI is widely recognized, contributing to consistent enforcement and understanding of the offense.
Cons:
- Varying State Laws: While DWI is consistent, penalties and definitions may still vary across states, leading to potential confusion.
- Limited Substance Scope: DWI primarily addresses alcohol and drugs, potentially overlooking impairment from other substances.
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DUI
Pros:
- Broad Scope: DUI, or Driving Under the Influence, encompasses a wider range of substances, addressing impairment beyond alcohol and drugs.
- Blood Alcohol Concentration (BAC) Focus: DUI charges often hinge on exceeding BAC limits, providing a measurable standard for law enforcement.
- Interchangeable Terms: Some states use DUI and DWI interchangeably, offering flexibility in terminology.
Cons:
- Potential Ambiguity: The broader scope of DUI may lead to ambiguity in enforcement, as it covers various substances.
- Varied State Terminology: While some states use DUI interchangeably with DWI, others distinguish between the two, creating inconsistency in legal language.
What is the difference between DWI and DUI?
DWI means driving while intoxicated (or impaired), but DUI stands for driving under the influence. DUI charges are usually issued when a person is caught driving over the blood alcohol concentration (BAC) limit. Meanwhile, DWI charges are presented to drivers who operate a vehicle while under the influence of either prescription drugs or recreational substances.
DWI vs. DUI: Which is worse?
Each state references DWI and DUI differently. In other words, some states may convict a guilty driver with DUI regardless of the substance. Both are equally bad news for your driving record and car insurance rates.
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What are the DWI and DUI state laws?
Every state in the nation defines DWI and DUI differently. Some similarities are shared between states, but laws are presented in a unique way for each area in the country. Let’s look at a few examples to determine how various states define DWI and DUI.
DWI vs. DUI in Texas
Texas is one of many states with zero tolerance for DUI. Minors convicted of DUI usually have lighter sentences, regardless of the BAC limit. Texas charges DWI-convicted drivers over the age of 21 with strict penalties, such as fines, community service, and possible jail time.
DWI vs. DUI in Virginia
Virginia doesn’t distinguish between DWI and DUI. The state’s law enforcement uses both terms interchangeably. More DWI/DUI offenses on your driving record mean higher fines and longer sentences.
DWI vs. DUI in North Carolina
North Carolina uses DWI and DUI to identify drivers who are under the influence of alcohol, drugs, or other recreational substances. A person can receive a DWI charge even when not driving. Penalties depend on levels. Levels range from one to five (known as Aggravated Level one to Aggravated Level five), where level one is the most severe). Any person who gives keys to someone who is impaired will be charged with aiding and abetting a DWI individual.
DWI vs. DUI in New York
The state of New York utilizes DWI and DWAI (Driving While Ability Impaired). DWAI is usually a lesser charge and typically convicts drivers with a BAC limit of 0.05% – 0.07%. Both DWAI and DWI can land you in jail, depending on the severity of the crime.
DWI vs. DUI in California
California has a strict no-tolerance law for minors who commit a DUI offense. Any driver with an active driver’s license is subject to a BAC test, if a police officer suspects that they are intoxicated. A person who has a BAC limit of 0.08% or above, while driving a motor vehicle, will be charged with DUI. But drivers who drive under the influence of drugs are charged with DWI.
DWI vs. DUI in Missouri
Missouri is another state that doesn’t differentiate between DWI and DUI. Instead of DWI, Missouri references DUID (Driving Under the Influence of Drugs).
What are the penalties for DWI vs. DUI?
State laws and penalties vary for each state. For example, Arkansas has different penalties for DUI than Colorado. But all states are harsh on drivers who commit multiple DWIs or DUIs. Let’s examine the DWI and DUI penalties for each state.
DUI Penalties by State
| State | Type | First offense | Second offense | Subsequent offenses |
|---|---|---|---|---|
| Alabama | DUI | Up to $2,100 in fines, up to a year in jail, and/or 90-day license suspension | Up to $5,100 in fines, up to a year in jail, and 45-day minimum license suspension | N/A |
| Alaska | DUI | $1,500 minimum fine, 72 hours in jail, and minimum 90-day license suspension | 20 day imprisonment, minimum $3,000 fine, and license suspension for minimum of one year (within 15 years of the first DUI) | 60 day imprisonment, minimum $4,000 fine, and license suspension for minimum of three years (within 15 years of the second DUI) |
| Arizona | DUI | Minimum $250 fine and up to 10 days in jail | $500 base fine and up to 90 days in jail | $750 base fine and 4 month minimum incarceration |
| Arkansas | DUI, DWI | Up to $1,000 in fines, up to a year in jail, 6-month license suspension, and alcohol treatment | Up to $3,000 in fines, up to a year in jail, 2-year license suspension, and alcohol treatment | Maximum penalty considered a felony |
| California | DUI | Up to $1,000 in fines, up to 6 months in jail, 6 month license suspension, and DUI school | Up to $1,000 in fines, up to a year in jail, one year license suspension, and DUI school or SB 38 | Up to $1,000 in fines, up to a year in jail, 2 years license suspension, and traffic school |
| Colorado | DUI | Up to $1,000 in fines, up to one year in jail, 9 month license suspension, community service, and DMV points | Up to $1,500 in fines, up to one year in jail, one year license suspension, community service, and DMV points | Up to $1,500 in fines, up to one year in jail, 2 year license suspension, community service, and DMV points |
| Connecticut | DUI | Up to $1,000 in fines; up to one year in prison | Up to $1,000 in fines; up to 2 years in prison | Up to $1,000 in fines; up to 3 years in prison |
| Delaware | DUI | $1,500 minimum fine, up to one year in jail, and up to 2 year license suspension | $2,500 minimum fine, minimum 18 months in jail, and up to 30 months license suspension | $2,500 minimum fine, minimum 18 months in jail, and up to 30 months license suspension |
| District of Columbia | DUI, DWI | Up to $1,000 in fines, up to 180 days in jail, and up to 6 months license suspension | Up to $5,000 in fines, up to 180 days in jail, and up to one year license suspension | Up to $10,000 in fines, up to one year in jail, and up to 2 years license suspension |
| Florida | DUI | Up to $1,000 in fines, up to 6 months in jail, and up to 3 years license suspension | Up to $2,000 in fines, up to 9 months in jail, and up to 5 years license suspension | Up to $5,000 in fines, up to one year in jail, and up to 10 years license suspension |
| Georgia | DUI | Minimum $300 in fines, up to 10 days in jail, possible license suspension, community service | Minimum $1,000 in fines, up to 1 year in jail, one year license suspension, community service | Minimum $5,000 in fines, up to 1 year in jail, 5 years license suspension, community service |
| Hawaii | DUI, DWI | Minimum $1,000 in fines, up to 5 days in jail, one-year license suspension, community service, rehab | Minimum $3,000 in fines, up to 30 days in jail, 3 years license suspension, community service, rehab | Minimum $5,000 in fines, minimum 10 days in jail, up to 5 year license suspension, community service, rehab |
| Idaho | DUI | Minimum $1,000 in fines, up to one year in jail, three month license suspension | Minimum $2,000 in fines, up to five years in jail, one year license suspension | Up to $5,000 in fines, up to 10 years in jail, up to five years license suspension |
| Illinois | DUI | Maximum $2,500 in fines, maximum one year in jail, one-year license suspension, community service | Maximum $2,500 in fines, maximum one year in jail, 5 years license suspension, community service | Maximum $25,000 in fines, maximum 7 years in jail, 10 years license suspension, community service |
| Indiana | DUI | Up to $5,000 in fines, up to one year in jail, and up to 180 days license suspension | Up to $10,000 in fines, up to 3 years in jail, and up to 2 years license suspension | Up to $10,000 in fines, up to 3 years in jail, and up to 10 years license suspension |
| Iowa | DUI, DWI, OWI | Up to $1,250 in fines, up to one year in jail, and up to one year license suspension | Up to $6,250 in fines, up to 2 years in jail, and up to 2 years license suspension | Up to $9,375 in fines, up to 5 years in jail, and up to 6 years license suspension |
| Kansas | DUI | Up to $1,000 in fines, up to 2 days in jail, 90 day license suspension, and alcohol treatment | Up to $1,500 in fines, up to one year in jail, one year license suspension, and alcohol treatment | Up to $2,500 in fines, up to one year in jail, one year license suspension, and alcohol treatment |
| Kentucky | DUI, DWI | Up to $500 in fines, up to 30 days in jail, 120 day license suspension, community service, rehab | Up to $500 in fines, up to 6 months in jail, 18 month license suspension, community service, rehab | Up to $1,000 in fines, up to one year in jail, 36 month license suspension, community service, rehab |
| Louisiana | DUI, DWI | Up to $1,000 in fines, up to 6 months in jail, community service, rehab | Up to $1,000 in fines, up to 6 months in jail, community service, rehab | Up to $2,000 in fines, up to 5 years in jail, community service, rehab |
| Maine | DUI, DWI | Up to $500 in fines and up to 150 days license suspension | Up to $900 in fines, 12 days in jail, and up to 3 year license suspension | Up to $1,400 in fines, up to 40 days in jail, and up to 6 years license suspension |
| Maryland | DUI, DWI | Up to $1,000 in fines, up to one year in jail, and up to 6 month license suspension | Up to $2,000 in fines, up to 2 years in jail, and up to one year license suspension | Up to $5,000 in fines, up to 5 years in jail, and up to one year license suspension |
| Massachusetts | DUI | Up to $5,000 in fines, up to 2.5 years in jail, and up to 90 day license suspension | Up to $10,000 in fines, up to 2.5 years in jail, and up to 2 year license suspension | Up to $15,000 in fines, up to 2.5 years in jail, and up to 8 years license suspension |
| Michigan | OWI, OWVI | Up to $500 in fines, up to 93 days in jail, community service | Up to $1,000 in fines, up to one year in jail, community service | Up to $5,000 in fines, up to 5 years in jail, community service |
| Minnesota | DUI | Up to $3,000 in fines, up to one year in jail | Up to $3,000 in fines, up to one year in jail | Up to $14,000 in fines, up to 7 years in jail for felony |
| Mississippi | DUI, DWI | Up to $1,000 in fines, up to 48 hours in jail, up to one year license suspension, and driver education | Up to $1,500 in fines, up to 1 year in jail, and up to 2 year license suspension, community service, rehab | Up to $5,000 in fines, up to 5 years in jail, and up to 5 year license suspension, community service |
| Missouri | DUI, DWI | Up to $1,000 in fines, up to 6 months in jail, up to 30 day license suspension | Up to $2,000 in fines, up to one year in jail, up to 5 years license suspension | Up to $10,000 in fines, up to 4 years in jail, up to 10 year license suspension |
| Montana | DUI | Up to $1,000 in fines, up to 6 months in jail, up to 6 month license suspension, rehab, driver education | Up to $1,000 in fines, up to one year in jail, up to one year license suspension, rehab, driver education | Up to $5,000 in fines, up to one year in jail, up to one year license suspension, rehab, driver education |
| Nebraska | DUI, DWI | Up to $500 in fines, up to 60 days in jail, up to 6 months license suspension | Up to $500 in fines, up to 180 days in jail, up to 18 month license suspension | Up to $1,000 in fines, up to one year in jail, up to 15 year license suspension |
| Nevada | DUI, DWI | Up to $400 in fines, up to 180 days in jail, minimum 185 day license suspension | Up to $750 in fines, up to 180 days in jail, one year license suspension | Up to $2,000 in fines, up to 6 years in jail, 3 years license suspension |
| New Hampshire | DUI, DWI | Up to $1.200 in fines, minimum 2 year license suspension | Up to $2,000 in fines, up to one year in jail, minimum 3 year license suspension | Up to $2,000 in fines, up to one year in jail, lifetime license suspension |
| New Jersey | DUI, DWI | Up to $500 in fines, up to 30 days in jail, minimum 3 month license suspension, driver education, community service | Up to $1,000 in fines, up to 90 days in jail, minimum 2 year license suspension, driver education, community service | Up to $1,000 in fines, up to 180 days in jail, minimum 10 year license suspension, driver education, community service |
| New Mexico | DUI, DWI | Up to $500 in fines, up to 90 days in jail, community service | Up to $1,000 in fines, up to 364 days in jail, community service | Up to $1,000 in fines, up to 364 days in jail, community service |
| New York | DUI | Up to $2,500 in fines, up to one year in jail, minimum one year license suspension | Up to $5,000 in fines, up to 4 years in jail, minimum 18 month license suspension | Up to $10,000 in fines, up to 7 years in jail, minimum 19 month license suspension |
| North Carolina | DUI, DWI | Level-based | Level-based | Level-based |
| North Dakota | Up to $750 in fines, up to 2 days in jail, minimum 3 month license suspension, community service, rehab | Up to $1,500 in fines, up to 10 days in jail, minimum one year license suspension, community service, rehab | Up to $2,000 in fines, up to 120 days in jail, minimum one year license suspension, community service, rehab | |
| Ohio | DUI, DWI | Up to $1,075 in fines, up to 6 months in jail, up to 3 years license suspension | Up to $1,625 in fines, up to 6 months in jail, up to 7 years license suspension | Up to $2,750 in fines, up to one year in jail, up to 12 years license suspension |
| Oklahoma | DUI, DWI | Up to $1,000 in fines, up to one year in jail, up to 180 days license suspension | Up to $2,500 in fines, up to 5 years in jail, up to one year license suspension | Up to $5,000 in fines, up to 10 years in jail, up to 3 years license suspension |
| Oregon | N/A | Up to $6,250 in fines, up to one year in jail, up to one year license suspension | Up to $10.000 in fines, up to one year in jail, up to 3 years license suspension | Up to $125,000 in fines, up to 5 years in jail, up to permanent license suspension |
| Pennsylvania | DUI | Up to $5,000 in fines, up to 6 months in jail, up to one year license suspension | Up to $10,000 in fines, up to 5 years in jail, up to 18 months license suspension | Up to $10,000 in fines, up to 5 years in jail, up to 18 months license suspension |
| Rhode Island | DUI | Over $1,200 in fines, up to one year in jail, up to one year license suspension, community service, rehab | Over $1,750 in fines, up to one year in jail, up to 2 years license suspension, community service, rehab | Over $5,000 in fines, up to 5 years in jail, up to 3 year license suspension, community service, rehab |
| South Carolina | DUI, DUAC | Up to $1,000 in fines, up to 90 days in jail, 6 month license suspension | Up to $6,500 in fines, up to 3 years in jail, up to one year license suspension | Up to $10,000 in fines, up to 5 years in jail, up to 4 year license suspension |
| South Dakota | DUI, DWI | Up to $2,000 in fines, up to one year in jail, up to one year license suspension | Up to $2,000 in fines, up to one year in jail, minimum one year license suspension | Up to $4,000 in fines, up to 2 years in jail, minimum one year license suspension |
| Tennessee | DUI | Up to $1,500 in fines, up to 7 days in jail, up to one year license suspension | Up to $3,500 in fines, up to nearly one year in jail, up to 2 years license suspension | Up to $10,000 in fines, up to nearly one year in jail, up to 10 year license suspension |
| Texas | DUI, DWI | Up to $4,000 in fines, up to 6 months in jail, up to one year license suspension | Up to $4,000 in fines, up to one year in jail, up to 2 years license suspension | Up to $10,000 in fines, up to 10 years in jail, up to 2 years license suspension |
| Utah | DUI, DWI | Up to $1,310 in fines, up to 180 days in jail, up to 120 day license suspension | Up to $1,560 in fines, up to 10 days in jail, up to 2 year license suspension | Up to $2,580 in fines, up to 5 years in jail, up to 2 years license suspension |
| Vermont | DUI, DWI | Up to $750 in fines, up to 2 years in jail | Up to $1,500 in fines, up to 2 years in jail | Up to $2,500 in fines, up to 5 years in jail |
| Virginia | DUI, DWI | Up to $2,500 in fines, up to one year in jail, one year license suspension | Up to $2,500 in fines up to one year in jail, 3 year license suspension | Up to $2,500 in fines, up to 180 days in jail, indefinite license suspension |
| Washington | DUI | Up to $5,000 in fines, up to one year in jail, up to 2 year license suspension, rehab | Up to $5,000 in fines, up to one year in jail, up to 3 year license suspension, rehab | Up to $5,000 in fines, up to one year in jail, up to 4 year license suspension, rehab |
| West Virginia | DUI | Up to $1,000 in fines, up to 6 months in jail, up to 6 months license suspension | Up to $3,000 in fines, up to one year in jail, 10 year license suspension | Up to $5,000 in fines, up to 5 years in jail, permanent license suspension |
| Wisconsin | OWI | Up to $300 in fines | Up to $1,100 in fines, up to 6 months in jail | Up to $2,000 in fines, up to one year in jail |
| Wyoming | DUI, DWI | Up to $750 in fines, up to 6 months in jail, 90 day license suspension | Up to $750 in fines, up to 6 months in jail, one year license suspension | Up to $3,000 in fines, up to 6 months in jail, 3 year license suspension |
Penalties become increasingly difficult the more you commit DWI or DUI offenses. You’ll also notice that some states use OWI and OUI. Indiana, Iowa, and Michigan reference OWI instead of DWI. OWI stands for operating while intoxicated, and OUI means operating under the influence.
Expect a DWI or DUI offense to accompany a suspended or revoked driver’s license. Drivers who retain their licenses are required to obtain an SR-22 certification.
How do DWI and DUI impact car insurance rates?
Some auto insurance companies may provide different rates for DWI and DUI offenses. But don’t count on DWI vs. DUI car insurance quotes being different. Drivers convicted of DWI or DUI will pay 37% – 80% more for auto insurance. You may not find DWI vs. DUI car insurance rates, but you can see how either conviction can affect your access to affordable rates.
Let’s review how much auto insurance costs when you have a DUI conviction.
| Insurance Company | Average Monthly Rates | Average Rates After a DUI | Percent Increase |
|---|---|---|---|
| Geico | $179 | $406 | 127% |
| Nationwide | $229 | $379 | 66% |
| State Farm | $235 | $303 | 29% |
| Progressive | $283 | $331 | 17% |
| Travelers | $287 | $478 | 67% |
| Farmers | $288 | $393 | 36% |
| Allstate | $318 | $522 | 64% |
| Liberty Mutual | $398 | $634 | 59% |
We compared DUI car insurance rates with speeding infractions and accidents to give you an idea of how much DUI affects your policy. USAA, State Farm, and Progressive are the best insurance companies for drivers who have a DWI or DUI on their driving record.
How do I save money on DWI and DUI car insurance?
Several factors determine whether affordable DWI vs. DUI car insurance is available to you. But the best way to get affordable DUI auto insurance rates is to qualify for multiple discounts. Stacking your deals can save you hundreds of dollars. We recommend that you compare multiple companies before you buy DWI versus DUI car insurance.
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Case Studies: DWI vs. DUI: Car Insurance Terms Explained
Case Study 1: John’s DWI Accident
In this case study, we examine John’s unfortunate accident while driving under the influence (DWI). John was pulled over by the police after being observed driving erratically and failing a breathalyzer test. As a result of his DWI, his car insurance rates skyrocketed, and he was required to pay significantly higher premiums.
Additionally, John’s insurance company dropped his coverage, making it difficult for him to find affordable insurance options.
Case Study 2: Sarah’s DUI Arrest
Sarah’s case highlights the consequences of a DUI arrest. She was charged with driving under the influence (DUI) after a routine traffic stop, where she failed a field sobriety test. As a result, Sarah’s car insurance rates increased significantly, and her insurance provider added a DUI surcharge to her premiums. Furthermore, her policy terms were revised, imposing strict conditions and limitations on her coverage.
Case Study 3: Michael’s DWI Conviction
In this case, Michael faced serious consequences due to a DWI conviction. After being found guilty of driving while intoxicated, his car insurance rates skyrocketed, surpassing his ability to afford coverage. As a result, he had to rely on non-standard insurance companies that offer coverage to high-risk drivers, but at much higher costs.
The financial strain caused by the DWI conviction significantly impacted Michael’s ability to maintain appropriate car insurance coverage.
Case Study 4: Emily’s DUI Crash
Emily’s case examines the aftermath of a DUI crash. She was involved in a serious accident while driving under the influence, resulting in injuries to herself and other parties involved. Emily’s car insurance company denied her claim due to her DUI offense, leaving her responsible for the extensive damages and medical expenses. Without insurance coverage, Emily faced significant financial burden and potential legal consequences.
Case Study 5: Mark’s DUI Suspension
Mark’s case sheds light on the impact of a DUI suspension on car insurance. After being arrested for a DUI, Mark’s driver’s license was suspended. As a result, his car insurance company canceled his policy, citing the suspension as a breach of the terms.
Without a valid driver’s license, Mark struggled to find affordable insurance options, and those available to him carried exorbitant premiums, making it extremely challenging for him to regain his driving privileges.
DWI vs. DUI Car Insurance: The Bottom Line
DWI and DUI may be defined differently in some areas, but some states don’t bother to separate the two. Zero-tolerance states usually have harsher sentences and fines for drivers who violate road laws. Auto insurance companies follow the same trend, by issuing more expensive rates or not providing coverage at all, for high-risk drivers with DWI or DUI convictions.
Now that you know the difference between DWI versus DUI, use our free online quote tool below to see multiple quotes from the best insurance companies in your area.
Frequently Asked Questions
What is the difference between DWI and DUI?
DWI stands for driving while intoxicated/impaired, while DUI stands for driving under the influence. DWI usually involves alcohol or drugs, while DUI is typically related to exceeding the blood alcohol concentration (BAC) limit.
Which is worse, DWI or DUI?
The severity varies by state, but both have serious consequences for your driving record and car insurance rates.
What are the DWI and DUI state laws?
Each state defines DWI and DUI differently. Laws and penalties vary across jurisdictions.
What are the penalties for DWI vs. DUI?
Penalties differ by state, becoming more severe with multiple offenses. Some states use OWI or OUI instead of DWI. Expect suspended or revoked licenses and the requirement of an SR-22 certification.
What is the impact of DWI versus DUI on car insurance coverage?
High-risk drivers with DWI or DUI convictions may face more expensive rates or difficulties obtaining coverage from auto insurance companies.
How do DWI and DUI impact car insurance rates?
Auto insurance rates increase significantly for drivers convicted of DWI or DUI, ranging from 37% to 80% more. Some insurance companies may provide different rates for these offenses.
How can I save money on DWI and DUI car insurance?
Qualifying for multiple discounts can help lower rates. It’s recommended to compare quotes from multiple insurance companies before purchasing a policy.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.