Articles by Kevin Mercadante

Kevin Mercadante is a former mortgage loan officer and blogger behind Out of Your Rut. He is an expert in mortgages, career strategies and retirement planning. Education: B.S. in Accounting and Finance from Montclair State University.

SR-22 Coverage and Car Insurance for High-Risk Drivers Learn about SR-22 coverage as an add-on to your car insurance policy when you're considered a high-risk driver due to serious infractions, such as DUIs. Vision Insurance: Do You Need It? Photo of Kevin Mercadante Kevin Mercadante Vision Insurance: Do You Need It? Everyone, it seems, is concerned about health insurance. This is not only... RV Insurance: What You Need to Know About Insuring an RV Photo of Kevin Mercadante Kevin Mercadante RV Insurance: What You Need to Know About Insuring an RV Whether you plan on using your RV as a full-time home or for occasional road... Open Enrollment Period: Why It's So Important for Health Insurance Find out how the open enrollment period may apply to when you're able to apply for health insurance coverage outside of any qualifying special events. What Smokers Should Know About Buying Life Insurance Find out how buying life insurance may be different for smokers, especially when it comes to the impact on the cost of premiums. How to Get Car Insurance for a Salvage Title Vehicle Photo of Kevin Mercadante Kevin Mercadante How to Get Car Insurance for a Salvage Title Vehicle “Salvage title vehicle” is probably not a term you’re familiar with, at least not... How to Lower the Rate on an Existing Life Insurance Policy After Health Improvements Photo of Kevin Mercadante Kevin Mercadante How to Lower the Rate on an Existing Life Insurance Policy After Health Improvements If you have life insurance and when you first applied, you were in... Car Insurance for 18-Year-Olds: Average Rates for Coverage Find out how much it costs for 18-year-olds to get car insurance coverage, including how to lower and get discounts on policy premiums. Where to Get U.S. Car Insurance for International Drivers with Foreign Licenses Find out where an international driver, with a foreign driver's license, can get a U.S. car insurance policy -- including the types of coverage to consider Non-Owner Car Insurance: What is Covered? Do You Need It? Photo of Kevin Mercadante Kevin Mercadante Non-Owner Car Insurance: What is Covered? Do You Need It? If you don’t own a car, it’s easy enough to assume you don’t need car insurance...