As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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Cheapest recent rates near Santa Maria, California
Drivers in and around Santa Maria, California have found policies from Anchor, GEICO, Aspire General, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Santa Maria, California within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Santa Maria, California within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Drivers in Santa Maria can expect to pay an average of $178 per month for car insurance. The city’s rates are lower than the monthly average of $219 and the national average of $158 per month.
Drivers in Santa Maria pay less likely in part because of the city’s location and comparatively smaller population.[1] Even so, you can find cheaper coverage if you compare car insurance quotes from multiple insurers before buying.
Here’s how you can find the most competitive rates from the best insurers in Santa Maria, California.
Quick Facts
Mile Auto, Sun Coast, and Mercury are the cheapest car insurance companies for Santa Maria residents.
Your credit history doesn’t affect your insurance coverage rates in California.
Low-income drivers can secure affordable coverage through the California Low-Cost Auto Insurance (CLCA) program.
Cheapest car insurance companies in Santa Maria
Drivers in Santa Maria have affordable coverage options, and the best insurer for you depends on your coverage needs. Driving records, location, average mileage, vehicle type, and age can help determine which insurer offers the best deal.
Clearcover, USAA, and Mile Auto are some of the top picks for drivers in the city. Here’s why.
Insurance Company
▲▼
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$79/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$147/mo
Mercury is a 62-year-old insurance company that sells auto, home, condo, renters, and business insurance. In addition to standard car insurance coverage types, Mercury also offers rental car reimbursement, roadside assistance, rideshare insurance, and more. Mercury customers can save with multiple discounts, and the opportunity to bundle their auto insurance with home or renters coverage. The compay has an A rating from A.M. Best for financial stability. Mercury has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index. However, J.D. Power ranked the company fourth incustomer satisfaction in California.
Pros
Numerous coverage options, discounts, and bundling opportunities
Competitive auto insurance prices
Cons
Only available in 11 states (including California)
Only available in 11 states (including California)
It's difficult when all communication has to be done online.
Robert - October 28, 2024
Verified
Low Rates
I've been with them for 3 years and I still haven't received the policy. The good thing is that it's only $160.00 for 2 vehicles with full coverage and towing.
…
Best insurer for military members, veterans, and their families: USAA
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$97/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$201/mo
USAA offers various financial products, including affordable car insurance. The bank serves military personnel, making it a popular option in Santa Maria since Vandenberg Space Force Base is only a few miles away. Customers appreciate the extensive coverage options and competitive rates.
However, policies are only available for select clients due to strict membership criteria. You must be an active military member, retired, or connected through an immediate family member.
Pros
High J.D. Power customer satisfaction rating in California
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.5/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$50/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$93/mo
As a pay-per-mile insurance company, Mile Auto determines rates based on how much you drive. If you drive more, you have to pay more. Since Santa Maria is a smaller city, pay-per-mile insurance can be an excellent option for drivers who stay local.
However, you must submit odometer readings and provide access to location services, which can be a dealbreaker for some privacy-conscious drivers. If you regularly commute to San Luis Obispo or Santa Barbara for your job or business, you can likely find better rates elsewhere.
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas - October 8, 2024
Verified
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
…
Find Cheap Car Insurance in Santa Maria, California
Rates start at $50 per month for liability coverage
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How to get the cheapest car insurance in Santa Maria
Your location and where you live within a city can affect how much you pay for car insurance. Factors like your driving history, age, and vehicle type also affect insurance costs.
Ask about discounts.Most car insurance companies offer discounts for bundling policies, including home insurance, renters insurance, or life insurance. But many insurers also offer rate deductions for good driving, driving fewer miles, and being a student. Ask insurance agents or representatives what discounts apply.
Consider your car’s value. The value of your vehicle determines how much insurance you need. If you have a new or high-value car, it usually makes sense to opt for higher coverage. But if your vehicle is old or worth less, you might need less extensive protection.
Compare quotes.Comparing quotes from at least three companies is the most effective way to save money on car insurance. It’s easier to gauge whether or not you’re getting a good deal once you review more than one offer.
Cheapest liability-only car insurance in Santa Maria: Mile Auto
Most states, including California, mandate liability-only car insurance. Liability coverage helps pay for vehicle repairs and medical expenses for the other driver when you cause an accident.[3] But there are limitations, and it doesn’t cover your repair costs.
Mile Auto offers the cheapest quotes for liability-only coverage in Santa Maria, with a cost of $50 per month. You can find the most competitive rates from the following insurers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Mile Auto
$50
Sun Coast
$63
Mercury
$79
Anchor
$84
USAA
$97
National General
$110
GEICO
$129
Direct Auto
$130
Allstate
$134
Farmers
$138
State Farm
$149
Travelers
$157
21st Century
$170
Bristol West
$187
Nationwide
$211
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Santa Maria: Mile Auto
Full-coverage car insurance typically includes liability, comprehensive, and collision coverage. If you cause an accident or hit an object, collision coverage can help pay for your vehicle repairs. Comprehensive coverage helps cover costs associated with non-collision damages like theft, vandalism, and natural disasters.
Mile Auto offers the cheapest quotes for full-coverage policies in Santa Maria, with rates of $93 per month. The following insurance companies also offer affordable rates.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Mile Auto
$93
Mercury
$147
Sun Coast
$185
Anchor
$196
USAA
$201
GEICO
$268
National General
$268
Allstate
$277
Farmers
$285
Direct Auto
$307
State Farm
$309
Travelers
$324
Bristol West
$350
21st Century
$353
Nationwide
$435
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Santa Maria, California
Drivers in and around Santa Maria, California have found policies from Anchor, Mercury, National General, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Santa Maria, California within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Santa Maria, California within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in California
Drivers in California must have liability insurance, which helps pay for vehicle repairs and medical costs for the other driver. In California, liability insurance includes bodily injury and property damage liability coverage.[3]
California’s minimum-coverage amounts will increase in 2025, which might affect the cost of liability policies for some drivers.[4]
As you determine your coverage needs, consider the following policies:
Comprehensive coverage
Cars can sustain damage from incidents other than accidents, including theft, vandalism, and natural disasters. Comprehensive insurance ensures you have coverage in those situations.
Collision coverage
If you hit another object, like a car or tree, collision coverage helps pay for repairs.
Personal injury protection (PIP) coverage
Collision and comprehensive help pay for repairs to your vehicle but don’t help pay for necessary medical treatment. PIP helps fill the gap and covers medical care related to an accident.
Uninsured/underinsured motorist coverage
Even though California mandates coverage, some drivers don’t follow the law and don’t purchase auto insurance. If a driver without insurance — or without enough insurance — causes damage, uninsured/underinsured motorist coverage helps cover your costs.
California’s Low-Cost Auto Insurance Program
California offers low-income drivers affordable liability-only coverage through the Low-Cost Auto Insurance (CLCA) program. Drivers can work with select companies to secure coverage amounts lower than the state-mandated limits.[5]
To qualify, you must earn less than the income thresholds set by the state. The size of your family and total income determines eligibility. For example, families of four must make less than $75,000 per year, which is lower than the federal poverty guidelines. You also need a clean driving record, and your car can’t be worth more than $25,000.[6]
Cheapest car insurance for drivers with an incident
Driving incidents cause your insurance premiums to increase. Car insurance companies determine rates based on your driving record.
Drivers without any incidents can secure lower rates since insurers consider them less risky to insure. However, insurers charge more if you have a speeding ticket, driving under the influence (DUI) violation, or at-fault car accident.
Here’s how each type of incident affects your car insurance rates.
Shop for Car Insurance in Santa Maria, CA
Monthly rates start at $62 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Mile Auto
Speeding tickets indicate risky driving, which signifies to insurers that you might be more likely to file a claim. Insurance companies charge more for coverage to compensate for the potential cost of future claims. However, it’s still possible to find competitive rates.
The cheapest insurer for drivers with a speeding ticket in Santa Maria is Mile Auto, with a cost of $64 per month. Here are the cheapest car insurance companies in Santa Maria after a speeding ticket.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
Mile Auto
$50
$64
Sun Coast
$63
$83
Mercury
$79
$106
Anchor
$84
$104
USAA
$97
$121
National General
$110
$138
GEICO
$129
$161
Direct Auto
$130
$162
Allstate
$134
$167
Farmers
$138
$171
State Farm
$149
$184
Travelers
$157
$197
21st Century
$170
$220
Bristol West
$187
$233
Nationwide
$211
$266
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Mile Auto
Car insurance companies determine rates based on how likely drivers are to file future claims. If you have an at-fault accident on your driving record, it indicates that you’re more likely to do so. Even though past behavior isn’t always an indicator of future behavior, insurance companies prefer to err on the side of caution.
The cheapest insurer for drivers with an at-fault accident in Santa Maria is Mile Auto, with a cost of $65 per month.
Here’s how much you can expect your car insurance rates to increase with different companies after you cause a car accident.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
Mile Auto
$50
$65
Sun Coast
$63
$77
Mercury
$79
$105
Anchor
$84
$112
USAA
$97
$120
National General
$110
$137
GEICO
$129
$160
Direct Auto
$130
$164
Allstate
$134
$166
Farmers
$138
$170
State Farm
$149
$183
Travelers
$157
$196
21st Century
$170
$216
Bristol West
$187
$230
Nationwide
$211
$264
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Mile Auto
Driving under the influence (DUI) is a serious violation that causes your car insurance costs to skyrocket. If you get a DUI in California, convictions remain on your driving record for 10 years. You might also have to pay fines, lose your license, spend time in jail, and face non-renewal from your insurance company.[7]
If you’re navigating the aftermath of a DUI, seek out insurance companies that specialize in coverage. The cheapest insurer for drivers with a DUI in Santa Maria is Mile Auto, with a monthly cost of $77.
Here’s how much you can expect your rates to increase after a DUI.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
Mile Auto
$50
$77
Sun Coast
$63
$89
Mercury
$79
$110
Anchor
$84
$115
USAA
$97
$149
National General
$110
$169
GEICO
$129
$198
Direct Auto
$130
$199
Allstate
$134
$205
Farmers
$138
$212
State Farm
$149
$228
Travelers
$157
$241
21st Century
$170
$261
Bristol West
$187
$287
Nationwide
$211
$323
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Mile Auto
Your age affects your car insurance costs. Young drivers can expect higher insurance costs throughout their teenage years and young adulthood. Around age 35, prices begin to decrease and continue doing so throughout retirement age. However, rates start to increase again around age 70.
The cheapest insurer for senior drivers in Santa Maria is Mile Auto, with a monthly cost of $39.
Here’s the cheapest car insurance in Santa Maria for seniors.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Mile Auto
$39
$73
Sun Coast
$56
$165
Mercury
$64
$119
Anchor
$67
$157
USAA
$81
$167
National General
$88
$215
Direct Auto
$106
$250
GEICO
$107
$223
Allstate
$112
$231
Farmers
$112
$232
State Farm
$121
$250
Travelers
$128
$264
21st Century
$132
$275
Bristol West
$156
$292
Nationwide
$165
$339
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Mile Auto
Teenage drivers spend significantly more on car insurance due to inexperience and risky behavior behind the wheel. Since most teenagers have insurance through parents or guardians, the costs can affect the family budget.
But you can take steps to save money. Ask about good student discounts, buy a car with additional safety features, and keep your teenager on the family insurance plan as long as possible.
With a cost of $91 per month, the cheapest insurer for teen drivers in Santa Maria is Mile Auto.
Here are the cheapest car insurance quotes for teenage drivers in Santa Maria.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Mile Auto
$91
$169
Sun Coast
$95
$279
Mercury
$132
$246
Anchor
$134
$313
USAA
$150
$311
GEICO
$189
$393
National General
$204
$496
Allstate
$221
$456
Direct Auto
$221
$522
Farmers
$225
$465
State Farm
$236
$490
Travelers
$265
$546
21st Century
$266
$553
Bristol West
$294
$550
Nationwide
$339
$700
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Is car insurance more expensive in Santa Maria?
No. Average rates in Santa Maria are also lower than the state average, possibly due to the city’s agricultural-heavy setting and comparatively smaller population size. Drivers in bigger nearby cities like Santa Barbara and Moreno Valley pay slightly more per month.
Santa Maria drivers pay an average of $178 per month for car insurance, lower than the state average of $219 and much lower than the national average of $158 per month.
More cities in California
Drivers in nearby California cities pay slightly more for car insurance. For example, drivers in Santa Barbara pay an average of $98 per month, about $20 more. Similarly, Moreno Valley residents pay about $10 more than Santa Maria drivers.
Here are the average quotes for some other California cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Santa Maria car insurance FAQs
Finding the right car insurance can be challenging. Below are answers to some of the most commonly asked questions about car insurance in Santa Maria.
How much is car insurance in Santa Maria?
On average, car insurance in Santa Maria costs $254 per month for full coverage and $101 for liability-only insurance. Your exact premium will depend on factors like your location, driving record, age, and gender.
Which company has the cheapest car insurance in Santa Maria?
Mile Auto offers the cheapest car insurance rates in Santa Maria, starting at $50 for liability-only coverage. Santa Maria drivers can also find cheap rates from Sun Coast and Mercury, which have liability rates as low as $63 and $79, respectively.
What are the best car insurance companies in Santa Maria?
Nationwide, State Farm, and USAA are the best car insurance companies in Santa Maria. All boast IQ Scores of above 4 out of 5 and have strong financial strength ratings.
However, the best car insurance company for you may be different, as everyone has unique insurance needs and financial situations. Always be sure to compare quotes from multiple insurers before buying a policy.
Can insurers in California consider your credit score when setting car insurance rates?
No. California law forbids insurers from using your credit history as a factor when setting car insurance rates.
How much does the average person pay for car insurance in California?
The average person pays $219 per month for car insurance in California.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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