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Penny Gusner

Insurance Writer and Analyst

About

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. Penny enjoys translating the complexities of insurance into easy-to-understand advice and tips to help consumers make the best choices for their needs. Her work has been featured in numerous major media outlets, including The Washington Post and Kiplinger’s.

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. Penny helped launch CarInsurance.com, one of the first online insurance marketplaces. She went on to be a senior writer, consumer analyst and spokesperson for CarInsurance.com, Insurance.com and Insure.com.

Penny is an expert on insurance procedures, rates, policies and claims. She has been featured in numerous major media outlets, including The Washington Post and Kiplinger’s. Penny is a self-proclaimed data and research nerd. She likes sharing her knowledge and translating the complexities of insurance into easy-to-understand advice and tips to help consumers make smart choices.

Expertise

  • Buying the right insurance for your needs
  • Saving money on insurance
  • Car insurance
  • Homeowners insurance
  • Renters insurance

Achievements

  • Over two decades of experience in writing about insurance topics to help consumers.
  • Has extensive knowledge about auto, health, homeowners, renters insurance and more.
  • An expert in explaining how insurance laws, data, trends and coverages affect consumers.
  • Has been featured in major media outlets, such as The Washington Post and Kiplinger’s.

Education

Ambassador University, B.A.

  • Best Car Insurance For Drivers With Bad Credit Of 2024

    In most states, drivers with poor credit will suffer with high car insurance rates. Auto insurance companies correlate lower credit with a higher chance that you’ll make an insurance claim. In anticipation of these claims, they generally charge much higher...
    Best Car Insurance For Drivers With Bad Credit Of 2024
  • Best Cheap Car Insurance For Teens And Young Drivers Of April 2024

    Auto insurance costs for teens can be shocking due to the high risk of accidents these inexperienced drivers pose to insurers. We found that parents often see their car insurance bills double after adding a teen to a policy. Our...
    Best Cheap Car Insurance For Teens And Young Drivers Of April 2024
  • Best Car Insurance For Pickup Trucks Of 2024

    Our top picks for best pickup truck insurance 2024 are Erie, Nationwide and Travelers, all of which earned five stars in our assessment. Trucks may be big and somewhat intimidating vehicles on the roadways, but it doesn’t mean their insurance...
    Best Car Insurance For Pickup Trucks Of 2024
  • Tesla Model X Car Insurance Cost 2024

      Tesla Model X Insurance Rates by Company Drivers of Tesla Model X vehicles could save a significant amount by comparing car insurance quotes from multiple companies. Our analysis of large insurers found that Travelers is the cheapest choice for...
    Tesla Model X Car Insurance Cost 2024
  • MINI Cooper Car Insurance Cost 2024

      MINI Cooper Insurance Costs by Company A simple strategy like comparing car insurance costs from several insurers could result in significant savings for MINI Cooper drivers. In our evaluation of top insurance companies, Erie was the leading choice for...
    MINI Cooper Car Insurance Cost 2024
  • Subaru WRX Car Insurance Cost 2024

      Subaru WRX Insurance Costs by Company Drivers of Subaru WRX vehicles could save a significant amount by comparing car insurance quotes from several companies. Our analysis of leading insurers found that USAA* is the lowest-cost choice for insuring a...
    Subaru WRX Car Insurance Cost 2024
  • Toyota Camry Car Insurance Cost 2024

      Toyota Camry Insurance Costs by Company Drivers of Toyota Camry vehicles could save a significant amount by comparing car insurance quotes from multiple companies. Our analysis of large insurers found that Travelers is the cheapest choice for insuring a...
    Toyota Camry Car Insurance Cost 2024
  • Ford Bronco Car Insurance Cost 2024

      Ford Bronco Insurance Rates by Company Ford Bronco owners can potentially save significant money by comparing car insurance quotes among several insurers. Among the large insurance companies we evaluated, Nationwide offers the cheapest car insurance for a Bronco. The...
    Ford Bronco Car Insurance Cost 2024
  • Dodge Charger Car Insurance Cost 2024

      Dodge Charger Insurance Costs by Company A simple strategy like comparing car insurance quotes from several insurers could result in substantial savings for Charger drivers. In our evaluation of top insurance companies, USAA* was the leading choice for the...
    Dodge Charger Car Insurance Cost 2024
  • Dodge Challenger Car Insurance Cost 2024

      Dodge Challenger Insurance Costs by Company A simple strategy like comparing car insurance quotes from different insurers could result in large savings for Challenger drivers. In our evaluation of large insurance companies, USAA* was the top choice for the...
    Dodge Challenger Car Insurance Cost 2024
  • Honda Civic Car Insurance Cost 2024

      Honda Civic Insurance Rates by Company Drivers of Civic vehicles could lower their insurance bills by comparing car insurance quotes from multiple companies. Our analysis of large insurers found that USAA* is the lowest-cost choice for insuring a Honda...
    Honda Civic Car Insurance Cost 2024
  • Chevrolet Corvette Car Insurance Cost 2024

      Chevrolet Corvette Insurance Rates by Company Corvette owners can potentially save significant money by comparing car insurance quotes among multiple insurers. Among the top insurance companies we evaluated, Erie offers the cheapest car insurance for a Chevrolet Corvette. The...
    Chevrolet Corvette Car Insurance Cost 2024
  • The Cheapest SUVs To Insure In 2024

    The cheapest SUV to insure is the Subaru Outback, according to our analysis of nearly 180 SUV insurance rates. It costs an average of $1,851 a year to insure the Outback, which has an MSRP of $28,895. Insurance for an...
    The Cheapest SUVs To Insure In 2024
  • Ford Mustang Car Insurance Cost 2024

      Ford Mustang Insurance Costs by Company Ford Mustang owners can potentially save significant money by comparing car insurance quotes among multiple insurers. Among the large insurance companies we analyzed, Erie offers the cheapest car insurance for a Ford Mustang....
    Ford Mustang Car Insurance Cost 2024
  • Jeep Wrangler Car Insurance Cost 2024

      Jeep Wrangler Insurance Costs by Company Jeep Wrangler owners can potentially save hundreds of dollars per year by comparing car insurance quotes among multiple insurers. Among the large insurance companies we analyzed, Geico offers the cheapest car insurance for...
    Jeep Wrangler Car Insurance Cost 2024
  • Tesla Model S Car Insurance Cost 2024

      Tesla Model S Insurance Costs by Company Tesla Model S owners can potentially save hundreds of dollars per year by comparing car insurance quotes among multiple insurers. Among the large insurance companies we analyzed, Nationwide offers the cheapest car...
    Tesla Model S Car Insurance Cost 2024
  • Chevrolet Camaro Car Insurance Cost 2024

      Chevrolet Camaro Insurance Costs by Company Chevrolet Camaro owners can potentially save hundreds of dollars per year by comparing car insurance quotes among multiple insurers. Among the large insurance companies we analyzed, USAA offers the cheapest car insurance for...
    Chevrolet Camaro Car Insurance Cost 2024
  • Chubb Renters Insurance Review 2024

    Chubb has pretty good prices for $15,000 of renters insurance coverage but its rating in our analysis was brought down by its very high rates for higher levels of coverage. Read more: Best Renters Insurance Companies
    Chubb Renters Insurance Review 2024
  • Average Cost Of Car Insurance 2024

    Car insurance is required to drive legally in nearly all states, so it’s helpful to know what you can expect to pay for coverage. Forbes Advisor found the average cost of car insurance is $2,150 for full coverage and $467...
    Average Cost Of Car Insurance 2024
  • Best Renters Insurance Companies Of April 2024

    We found that State Farm and Westfield are the best renters insurance companies, earning 5 out of 5 stars in our analysis. American Family, Auto-Owners and USAA are also among our top picks. According to our analysis, the best renters...
    Best Renters Insurance Companies Of April 2024
  • Travel Health Insurance For Visitors To The U.S. (2024 Guide)

    Health insurance from other countries generally isn’t accepted in the U.S. and medical care in the States can be expensive. That’s why buying visitors insurance for your U.S. trip can be a smart move. Insurance for visitors can reimburse a...
    Travel Health Insurance For Visitors To The U.S. (2024 Guide)
  • Auto Insurance Outlook For 2024

    The car insurance industry continues to evolve based on economic conditions, legislation and new technology. To better understand car insurance trends for 2024, we talked to several experts who gave us their opinions on what we can expect in the...
    Auto Insurance Outlook For 2024
  • Best Long-Term Disability Insurance Of 2024

    A disability might be the last thing you’re worried about when it comes to insurance coverage, but 20-year-old workers have a 25% chance of developing a disability before they reach retirement age, according to the Social Security Administration. Long-term disability...
    Best Long-Term Disability Insurance Of 2024
  • How To Find The Best Umbrella Insurance Companies

    Umbrella insurance provides you extra protection by picking up where liability limits from your other insurance policies, such as auto and home, leave off. This excess liability coverage may save the day—and assets like your home and savings—if you’re hit...
    How To Find The Best Umbrella Insurance Companies
  • How To Save Money On Car Insurance: Smart Ways To Cut Down Your Costs

    The average cost of car insurance is nearly $2,200 per year, according to a Forbes Advisor analysis of car insurance rates. That’s for a full coverage policy that includes liability, collision and comprehensive insurance. But don’t automatically resign yourself to...
    How To Save Money On Car Insurance: Smart Ways To Cut Down Your Costs
  • How To File A Car Insurance Claim Online

    If you’ve been in an accident and need to file a car insurance claim, the last thing you need is a difficult claims process. Online car insurance claim filing has simplified the claims process, and many car insurance companies now...
    How To File A Car Insurance Claim Online
  • Westfield Homeowners Insurance Review 2024

    We like that Westfield has one of the best average prices among the top-scoring home insurance companies in our analysis. Westfield’s Estatepak home insurance package is designed for high-value homes and the Wespak Estate policy combines luxury home coverage with...
    Westfield Homeowners Insurance Review 2024
  • How To Get Cheap Insurance For Low-income Drivers

    Car insurance is required in most states but it can be challenging to find affordable coverage if you’re on a tight budget. There are ways to find car insurance for low-income drivers that won’t break the bank, though.  For example,...
    How To Get Cheap Insurance For Low-income Drivers
  • Cheap SR-22 Auto Insurance Of 2024

    USAA and Progressive have the cheapest SR-22 auto insurance, based on Forbes Advisor’s analysis. Full coverage car insurance with a DUI and an SR-22 costs an average of $2,776 per year with USAA and $2,894 per year with Progressive. The...
    Cheap SR-22 Auto Insurance Of 2024
  • A ‘Climate Insurance Bubble’ Looms Over U.S. Homeowners

    More than one quarter of U.S. homeowners could lose value in their homes if the “climate insurance bubble” bursts, according to a new study by First Street Foundation, a non-profit that analyzes climate risks. Over 39 million properties may be...
    A ‘Climate Insurance Bubble’ Looms Over U.S. Homeowners

Top Picks From Penny Gusner

  • 8 Best Car Insurance Companies Of April 2024
    8 Best Car Insurance Companies Of April 2024

    by Penny Gusner

    Read More

  • Best Renters Insurance Companies Of April 2024

    by Penny Gusner

    Read More

  • Best Cheap Car Insurance For Teens And Young Drivers Of April 2024
    Best Cheap Car Insurance For Teens And Young Drivers Of April 2024

    by Penny Gusner

    Read More

About

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. Penny enjoys translating the complexities of insurance into easy-to-understand advice and tips to help consumers make the best choices for their needs. Her work has been featured in numerous major media outlets, including The Washington Post and Kiplinger’s.