Michelle Megna Editorial Director

Michelle is a writer, editor and expert on car insurance and personal finance. Prior to joining Insurance.com, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News. She exclusively drives old Subarus with many miles on them. Follow her on Twitter: @CoverageQueen.

Penny Gusner Consumer Analyst/Insurance Expert

Penny is an expert on insurance procedures, rates, policies and claims. She has over 10 years of experience answering consumer questions as an analyst, and has been featured in numerous major media outlets, including the Washington Post and Kiplinger’s. She has three active children and a husband with a zeal for quirky cars. Follow her on Twitter: @AskPennyAuto

Les Masterson Managing Editor

Les Masterson has more than 20 years of writing, editing and content creation experience. He has researched and written extensively about health insurance and health care for consumers, executives and hospital CEOs. Before focusing on insurance, he covered everything from local planning boards to presidential politics in his journalism career. Follow him on Twitter: @LesMasterson

Krishula Sinha Data Science Specialist

Krishula is a data science specialist, developing research and interactive tools to educate customers on their many options and help them make smart decisions. She also analyzes complex data sets and uses that insight to find the "story" behind the numbers to help site editors create content for visitors. She has a Master's in Business Analytics.

Ashlee Tilford Managing Editor

Ashlee is a dynamic business writer with a special focus on finance. With an MBA and more than twelve years in the finance industry, Ashlee brings a practical and relatable perspective to the area of business writing. She is passionate about personal finance and empowering others with the knowledge to succeed. When she isn’t writing, Ashlee manages a team of supply chain professionals at a university and enjoys spending free time with her partner and dog on their farm in Kentucky.

Jacqueline Leppla Contributing Researcher

Jacqueline spearheads media and social outreach and facilitates interviews with our experts. She has a Master’s in Business Administration from Harvard Business School. Follow her on LinkedIn: Jacqueline Leppla

Mark Vallet Contributing Researcher

Mark is a freelance journalist and analyst with over 15 years of experience covering the insurance industry.

Cynthia Paez Bowman Contributing Researcher

Cynthia Paez Bowman is a personal finance writer with degrees from American University in International Business and Journalism. Her work has been featured in MSN, Brex, Bankrate, Freshome, The Simple Dollar, GOBankingRates, and more. Cynthia is based between Las Vegas and Europe. In her spare time, she travels throughout Africa and the Middle East helping women entrepreneurs develop and grow their businesses. Find her on LinkedIn:@joyjournist