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Authors

Erik Martin

Insurance Expert

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About the author

Erik J. Martin is a Chicago area-based freelance writer whose articles have been published by AARP The Magazine, The Motley Fool, The Costco Connection, USAA, US Chamber of Commerce, Bankrate, The Chicago Tribune, and other publications. He often writes on topics related to insurance, real estate, personal finance, business, technology, health care, and entertainment. Erik also hosts a podcast and publishes several blogs, including Martinspiration.com and Cineversegroup.com.

Previous Writing

  • https://www.carinsurance.com/how-much-does-your-insurance-go-up-after-a-dui/
  • https://www.carinsurance.com/dui-insurance/

Education

  • B.A. degrees in English and Communications from Loyola University, Chicago

Recent Articles By Erik Martin

What is Medicare Part A?
Medicare Part A is offered by the federal government and is part of Original Medicare that helps pay for inpatient hospital care and other services.
June 27, 2025
What is Medicare Part B?
Medicare Part B is included in Original Medicare and pays for doctor office visits, outpatient surgical procedures, ambulance services, lab work, mental health services, and more.
June 27, 2025
What are the advantages and disadvantages of Medicare Advantage plans?
Medicare Advantage has its pros and cons. Understanding the differences can save you money and reduce out-of-pocket costs.
June 27, 2025
The Medicare tax and why you pay it
Medicare taxes help fund the government health insurance program that covers millions of senior citizens and Americans with disabilities. Read on to know about medicare tax rate for 2021.
June 18, 2025
What Medicare covers and what it doesn’t
Medicare has multiple parts, coverage, rules and choices. It covers inpatient hospital stays, doctors' services, medical supplies, etc. Read to know what it doesn't cover.
June 6, 2025
Home insurance for older homes with knob and tube wiring
Home insurance companies often turn down homes with knob and tube wiring due to the fire risk. You'll likely need to replace knob and tube wiring to get insurance.
May 15, 2025
Can you decline the health insurance plan at work?
It's optional to accept health insurance through your employer. You can deny or waive this benefit and get health insurance on your own.
May 14, 2025
How to buy life insurance
To buy life insurance, assess your needs, compare quotes, choose the right policy type, and complete an application with your selected insurer.
May 5, 2025
State laws for teen drivers
Most states have driving restrictions on teen drivers for safety reasons. Read our guide to learn about state laws for young drivers.
May 2, 2025
Comprehensive guide to life insurance: What it is and how it works
Life insurance provides financial protection by paying a death benefit to designated beneficiaries upon the insured's death in exchange for regular premium payments.
February 14, 2025
How much is gap insurance in New Jersey
The average annual gap insurance policy in New Jersey is $1,975, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in New Jersey.
August 13, 2024
How much is gap insurance in Nevada
The average annual gap insurance policy in Nevada is $2,146, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Nevada.
August 13, 2024
How much is gap insurance in New Hampshire
The average annual gap insurance policy in New Hampshire is $1,327, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in New Hampshire.
August 13, 2024
How much is gap insurance in Montana
The average annual gap insurance policy in Montana is $2,390, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Montana.
August 13, 2024
How much is gap insurance in New Mexico
The average annual gap insurance policy in New Mexico is $2,103, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in New Mexico.
August 13, 2024
How much is gap insurance in North Dakota
The average annual gap insurance policy in North Dakota is $1,715, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in North Dakota.
August 13, 2024
How much is gap insurance in Ohio
The average annual gap insurance policy in Ohio is $1,503, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Ohio.
August 13, 2024
How much is gap insurance in Nebraska
The average annual gap insurance policy in Nebraska is $1,989, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Nebraska.
August 13, 2024
How much is gap insurance in Tennessee
The average annual gap insurance policy in Tennessee is $1,752, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Tennessee.
August 13, 2024
How much is gap insurance in Missouri
The average annual gap insurance policy in Missouri is $2,186, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Missouri.
August 13, 2024
How much is gap insurance in Mississippi
The average annual gap insurance policy in Mississippi is $2,095, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Mississippi.
August 13, 2024
How much is gap insurance in Minnesota
The average annual gap insurance policy in Minnesota is $1,998, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Minnesota.
August 13, 2024
How much is gap insurance in Michigan
The average annual gap insurance policy in Michigan is $2,501, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Michigan.
August 13, 2024
How much is gap insurance in Oklahoma
The average annual gap insurance policy in Oklahoma is $2,242, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Oklahoma.
August 13, 2024
How much is gap insurance in Oregon
The average annual gap insurance policy in Oregon is $1,742, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Oregon.
August 13, 2024
How much is gap insurance in Pennsylvania
The average annual gap insurance policy in Pennsylvania is $1,984, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Pennsylvania.
August 13, 2024
How much is gap insurance in Rhode Island
The average annual gap insurance policy in Rhode Island is $2,144, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Rhode Island.
August 13, 2024
How much is gap insurance in South Dakota
The average annual gap insurance policy in South Dakota is $2,375, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in South Dakota.
August 13, 2024
How much is gap insurance in Iowa
The average annual gap insurance policy in Iowa is $1,669, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Iowa.
August 13, 2024
How much is gap insurance in Texas
The average annual gap insurance policy in Texas is $2,113, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Texas.
August 13, 2024
How much is gap insurance in Utah
The average annual gap insurance policy in Utah is $1,900, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Utah.
August 13, 2024
How much is gap insurance in Vermont
The average annual gap insurance policy in Vermont is $1,384, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Vermont.
August 13, 2024
How much is gap insurance in Virginia
The average annual gap insurance policy in Virginia is $1,538, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Virginia.
August 13, 2024
How much is gap insurance in Washington
The average annual gap insurance policy in Washington is $1,658, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Washington.
August 13, 2024
How much is gap insurance in West Virginia
The average annual gap insurance policy in West Virginia is $2,040, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in West Virginia.
August 13, 2024
How much is gap insurance in Wisconsin
The average annual gap insurance policy in Wisconsin is $1,760, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Wisconsin.
August 13, 2024
How much is gap insurance in Maryland
The average annual gap insurance policy in Maryland is $1,841, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Maryland.
August 13, 2024
How much is gap insurance in Alabama
The average annual gap insurance policy in Alabama is $1,940, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Alabama.
August 13, 2024
How much is gap insurance in Arizona
The average annual gap insurance policy in Arizona is $1,916, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Arizona.
August 13, 2024
How much is gap insurance in Arkansas
The average annual gap insurance policy in Arkansas is $2,043, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Arkansas.
August 13, 2024
How much is gap insurance in California
The average annual gap insurance policy in California is $2,510, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in California.
August 13, 2024
How much is gap insurance in Colorado
The average annual gap insurance policy in Colorado is $2,495, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Colorado.
August 13, 2024
How much is gap insurance in Connecticut
The average annual gap insurance policy in Connecticut is $1,800, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Connecticut.
August 13, 2024
How much is gap insurance in Delaware
The average annual gap insurance policy in Delaware is $2,132, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Delaware.
August 13, 2024
How much is gap insurance in Florida
The average annual gap insurance policy in Florida is $2,757, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Florida.
August 13, 2024
How much is gap insurance in Idaho
The average annual gap insurance policy in Idaho is $1,496, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Idaho.
August 13, 2024
How much is gap insurance in Massachusetts
The average annual gap insurance policy in Massachusetts is $1,783, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Massachusetts.
August 13, 2024
How much is gap insurance in Maine
The average annual gap insurance policy in Maine is $1,229, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Maine.
August 13, 2024
How much is gap insurance in Kentucky
The average annual gap insurance policy in Kentucky is $2,336, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Kentucky.
August 13, 2024
How much is gap insurance in Kansas
The average annual gap insurance policy in Kansas is $1,990, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Kansas.
August 13, 2024
How much is gap insurance in Indiana
The average annual gap insurance policy in Indiana is $1,588, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Indiana.
August 13, 2024
How much is gap insurance in Illinois
The average annual gap insurance policy in Illinois is $1,613, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Illinois.
August 13, 2024
How much is gap insurance in Georgia
The average annual gap insurance policy in Georgia is $2,023, according to an Insure.com rate analysis. Read on to learn more about gap insurance rates in Georgia.
August 13, 2024
What is medical payments coverage on home insurance?
Medical payments coverage on home insurance pays medical bills for guests injured on your property, regardless of fault, up the policy limits.
April 17, 2024
Guide to life insurance for children
Shop around carefully for child life insurance quotes, and compare plans, coverage amounts, and premium costs to determine the best life insurance for kids.
August 11, 2023
Should you sell your life insurance policy?
You can sell a life insurance policy for cash if you need the money or no longer want the coverage, but not all policies qualify.
July 7, 2023
How to get affordable health insurance
Affordable health insurance plans can be found if you qualify or if you shop around & compare plans during open enrollment.Read on to know best affordable health insurance rates and companies.
December 16, 2021
UnitedHealthcare insurance exchange plans: What you need to know
UnitedHealthcare, the country’s largest health insurance company, offers marketplace plans in 11 states and hopes to expand into other states in 2022.
September 29, 2021
TriTerm medical insurance: What to know about UnitedHealthcare’s short-term health plans
TriTerm is a type of short-term health insurance plan offered by UnitedHealthcare
September 27, 2021
Health insurance basics
Health insurance helps pay your health care costs.Read on to know all health insurance basics like the types of health insurance,how it works,plans,where & when to buy.Also know about its cost.
September 3, 2021
Private health insurance – A complete guide
Private health insurance is a type of medical coverage that covers the cost of your healthcare. Read on to know more about its plans, types, and how to get it.
June 23, 2021
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