Research Writer
Naomi Feld
Naomi Feld is a research writer at Why Is My Car Insurance So High. Her background is in consumer-finance journalism, where she covered credit, debt and insurance for regional outlets.
On this site she writes about credit-based insurance scores, coverage lapses, switching and the practical steps a household can take after an increase. She works from regulator guidance, published studies and policy documents rather than marketing material.
Naomi is based in Mt. Lebanon, Pennsylvania.
- Based in Mt. Lebanon, Pennsylvania
- Covering auto insurance since 2018
- Focus areas: credit-based insurance scoring, consumer finance, policy comparison, state insurance regulation
- Education: University of Pittsburgh (B.A., Economics)
Guides
Guide
Why Car Insurance Went Up With No Claims or Tickets
The reasons a premium rises when your record is clean: base-rate increases, territory re-rating, lost discounts, age-band changes, credit shifts and vehicle symbol updates.
Guide
How Credit Affects Car Insurance Rates
What a credit-based insurance score is, how much it moves premiums, which states restrict its use, and how to improve it.
Guide
How Your ZIP Code Affects Car Insurance
Why the same driver can pay twice as much in one ZIP code as in another: territory rating, urban density, theft, weather, litigation and uninsured drivers.
Guide
How a Coverage Lapse Raises Car Insurance Rates
Why a gap in coverage—even a short one—raises premiums, how insurers treat no prior insurance, and how to restart without overpaying.
Guide
When to Switch Car Insurance Companies
How to decide whether to switch insurers after a rate increase, when the best moments are, how to avoid a lapse, and what loyalty is actually worth.
Entries
Entry
How to Read Your Car Insurance Declarations Page
Line by line: coverages, limits, deductibles, rated drivers, vehicle symbols, discounts and surcharges—and what each tells you about why your premium is high.
Entry
How to Get Car Insurance After a Coverage Lapse: Practical Steps and Costs
Understand what happens after a car insurance lapse, how insurers price coverage gaps, and practical steps to secure an affordable policy again.