Insurance Zenith

A dental crown cost $1,475 (without insurance) for Leticia, a single mother from Phoenix, who cracked a molar on an olive pit. There was no dental plan she could depend on, so she had to decide between paying the rent and getting pain medication. In other words, how much is a crown without insurance? Costs can vary from $900 to more than $2,200, with the most expensive materials being gold and porcelain. Around 36% of uninsured patients put off crown procedures because of the high initial cost, according to the ADA’s 2024 Cost Survey. Before you commit to treatment, make

Last spring, Mike Alvarez—an independent hauler from California’s Central Valley—learned a $592 lesson about cutting corners. After selling his aging Silverado and upgrading to a Ford F-250, he figured he could delay insurance until after securing financing. That gamble backfired when CHP officers flagged him during a routine commercial vehicle inspection near Bakersfield. The solution he missed? One week truck insurance. These flexible policies provide: “Demand for temporary truck policies jumped 42% in early 2024,” reveals PolicyTrack Analytics’ May market report. Key advantage: Unlike annual policies, these short-term solutions work for:✔️ DMV paperwork delays✔️ Seasonal contract work✔️ Test-driving used trucks✔️ Rental truck supplements Critical question: How do you

When Mike, a retired veteran from Phoenix, bought a vintage Corvette in Illinois and hired a driveaway service to deliver it home, he thought everything was covered. Three states later, the car was totaled in Missouri—uninsured. His personal auto policy didn’t apply, and the driver’s coverage had lapsed. Driveaway insurance is a specific type of coverage that protects vehicles being delivered by a third party—not by the owner. It’s used in situations like cross-country purchases, dealership transfers, or fleet deliveries. According to a June 2024 report by the National Association of Motor Vehicle Boards, nearly 17,000 vehicle transport claims in

Last August in Arizona, Josh’s Harley broke down in the middle of the Sonoran Desert. No cell signal, no shade, and worse—he’d assumed his regular motorcycle insurance covered roadside help. It didn’t. A 200-mile tow ended up costing him $840 out of pocket. Motorcycle breakdown insurance exists for exactly that reason. It’s a separate policy—offered by companies like AAA or through add-ons—that covers roadside assistance, towing, battery jumps, flat repairs, and more. While basic motorcycle insurance protects against accidents or theft, it usually won’t help when your engine stalls in 110° heat. According to AAA’s May 2024 data, motorcycle-related roadside

When Jason, a 62-year-old from Phoenix, sold his rental property last year, he didn’t want the proceeds sitting idle. His financial advisor mentioned single premium term insurance—a product Jason had never heard of. For short-term auto delivery needs, driveaway insurance might offer a better fit than long-term vehicle policies. A one-time payment for guaranteed term coverage? It sounded too simple. But with no ongoing premiums and clear death benefit terms, it checked all his boxes. Single premium term insurance lets you purchase a life insurance policy by paying a lump sum up front, locking in coverage without monthly or annual