New for open enrollment: Medicare open enrollment runs October 15 to December 7, 2026, and ACA Marketplace enrollment for 2027 starts November 1. See our Medicare plan checklist and Marketplace guide.
Choose a topic
Auto insuranceCoverage, 2026 costs (about $2,578 a year for full coverage), discounts and special situations.Homeowners insuranceWhat a policy covers, why premiums are rising and how to protect against floods and storms.Renters insuranceProtect your belongings and liability for about $15–$30 a month.Life insuranceTerm vs. whole life, what cover costs and how much your family needs.Health insuranceEmployer plans, the ACA Marketplace, subsidies, COBRA and Medicaid.MedicareParts A to D, Medicare Advantage vs. Medigap and 2027 changes.Business insuranceGeneral liability, BOPs, workers’ comp and cyber for small businesses.Motorcycle insuranceCosts by age and bike, coverage options and winter storage.SR-22 insuranceHow filings work, what they cost and state-by-state rules.
Popular guides
Car insurance rates in 2026Averages by state, age and driving record, and why prices are falling.Home insurance costs in 2026State averages and the forces pushing premiums up.Life insurance costsTerm and whole life rates by age, health and coverage amount.Health insurance subsidies for 2027Who qualifies now that the enhanced subsidies have ended.Medicare costsPremiums and deductibles for every part, plus what’s known for 2027.Small business insurance costsMedian prices for each policy type.
How we put our guides together
- Named sources: we use government agencies, state insurance regulators, the NAIC, J.D. Power, AM Best and published rate studies, and list them on every guide.
- No made-up ratings: we don’t publish our own star scores. When we compare companies, we show published data and explain it.
- Dated and reviewed: each guide shows when its figures were checked, and we update guides as prices and rules change.
- Plain English: we explain trade-offs so you can decide what suits you.
Read more about BeSecuredNow and how we make money.
Five tips that save money on any insurance
- Compare at least three quotes with the same limits and deductibles.
- Bundle policies where it lowers the total, such as home and auto.
- Choose a deductible you can afford; higher deductibles mean lower premiums.
- Ask for every discount at each renewal.
- Review your cover yearly after life changes such as moving, marriage or a new car.
Frequently asked questions
Is BeSecuredNow an insurance company?
No. BeSecuredNow is an independent publisher of insurance guides. We don’t sell policies or give personalized advice.
How does BeSecuredNow make money?
Through advertising and a small number of clearly labelled sponsored quote listings. This doesn’t change what you pay or what we write.
How often are guides updated?
Each guide shows when its figures were last checked. We review guides regularly, especially around open enrollment and rate changes.