Articles by Jennifer Morales, CPCU, CLU

About Jennifer Morales, CPCU, CLU

Jennifer Morales is a certified Chartered Property Casualty Underwriter (CPCU) and Chartered Life Underwriter (CLU) with over 15 years of experience in the auto insurance industry. She is the Lead Auto Insurance Specialist and senior contributor for the AutoProtect Insights Blog, where she breaks down complex insurance topics into actionable advice for everyday drivers.

With a decade spent working at two of the top U.S. auto insurers—Statewide Mutual and UrbanDrive Insurance—Jennifer has managed thousands of auto claims, policy reviews, and risk assessments. Her work focuses on helping consumers understand the fine print of policies, save on premiums, and stay protected on the road.

Experience & Education

15+ years in auto insurance, including underwriting, claims, and policy design
Former Senior Claims Adjuster at UrbanDrive Insurance
Risk Strategy Consultant for independent brokerages
Holds CPCU and CLU certifications
B.A. in Risk Management and Insurance – Florida State University

Expertise

Auto policy comparison and breakdown
Liability coverage analysis
Claim dispute resolution
Teen & high-risk driver insurance
State-by-state regulation updates
Telematics and usage-based insurance trends

Featured In

Insurance Journal
Forbes Advisor (Auto)
NerdWallet Auto Insurance Guides
Speaker at the 2023 National Auto Insurance Summit

Author Philosophy

“Auto insurance shouldn’t be confusing. I write to empower people to make confident, informed decisions—whether they’re getting their first car or renewing after an accident.”