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Top therapists in Greeley, CO accepting new patients

Connect with warm, solution-oriented providers across Greeley through Headway. Serving neighborhoods including Prospect, Bittersweet, and Farnum, our 3,513 licensed providers offer flexible virtual and in-person appointments. Free consultations available to help you find the right fit.

Mariella Saavedra Carquin

Mariella Saavedra Carquin

Therapist

Virtual • Colorado


“My approach is eclectic and I adjust it according to my individual client. I have a humanistic and interpersonal approach that can sometimes include writing and other artistic outlets for creativity.”
Anxiety, Cultural & ethnic issues, Depression, Identity issues, Trauma
Creative, Empowering, Warm
Accepts 4 insurance carriers
Lesley Grandia

Lesley Grandia

Therapist

Virtual • Colorado


“I engage clients in selecting the best treatment methods, blending techniques based on their situation.”
ADD/ADHD, Anger management, Anxiety, Depression, Family issues
Affirming, Challenging, Empowering
Accepts 7 insurance carriers

Offers free consultationsView profile and book
Judy Ford

Judy Ford

Therapist

Virtual • Colorado


“I specialize in supporting military members and their families, helping them navigate the unique challenges of military life.”
ADD/ADHD, Anger management, Depression, Family issues, Grief or loss
Direct, Empowering, Warm
Accepts 9 insurance carriers
Kaylee Danielson

Kaylee Danielson

Therapist

Virtual • Colorado


“I take a direct yet collaborative approach to therapy. You are the expert in your own life, and I'm here to walk alongside you with honesty, curiosity, and care.”
Anxiety, Depression, Family issues, Grief or loss, Maternal mental health
Direct, Empowering, Open-minded
Accepts 7 insurance carriers

Offers free consultationsView profile and book
China Garner

China Garner

Psychiatric Mental Health NP

Virtual • Colorado


“I strive to create a supportive, collaborative, and nonjudgmental environment where clients feel heard, respected, and empowered in their treatment journey.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Energetic, Holistic, Warm
Accepts 4 insurance carriers
Rebecca Lanier

Rebecca Lanier

Therapist

Virtual • Colorado


Hello, my name is Becky. I have my master's in clinical social work and am currently obtaining my hours for licensure as an addiction specialist. My job is to listen, guide, and support you as you navigate through healing and growth. If you're ready, I’m here to serve and celebrate with you through your journey.

Anger management, Anxiety, Depression, PTSD, Relationship issues
Open-minded, Solution-oriented, Warm
Accepts 9 insurance carriers
Rebecca Oteng-mensah

Rebecca Oteng-mensah

Psychiatric Mental Health NP

Virtual • Colorado


“As a board-certified Psychiatric Mental Health Nurse Practitioner with 14 years in healthcare, I provide personalized medication management...”
Anger management, Anxiety, Bipolar disorder, Depression, OCD
Empowering, Participatory, Solution-oriented
Accepts 6 insurance carriers
Saturday Ugbo

Saturday Ugbo

Psychiatric Mental Health NP

Virtual • Colorado


I know that reaching out for help takes courage — and I want to make that process as simple and comfortable as possible. My practice focuses on anxiety, depression, and addiction, and I believe real progress happens when you feel heard and respected every step of the way. I take time to understand what's going on in your life before we talk about next steps, whether that's medication, therapy, or both. My goal is to give you clear information and practical support so you feel more in control of your mental health.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Direct, Solution-oriented, Warm
Accepts 4 insurance carriers

Offers free consultationsView profile and book
Kiahlei Yaste

Kiahlei Yaste

Therapist

Virtual • Colorado


“My approach is warm, real, and collaborative. I believe therapy should feel like a space where you can be yourself without feeling judged or pressured.”
ADD/ADHD, Anger management, Anxiety, Depression, Family issues
Affirming, Humorous, Open-minded
Accepts 5 insurance carriers

Offers free consultationsView profile and book
Melanie Smith

Melanie Smith

Therapist

Virtual • Colorado


“I have spent years working directly with adolescents in school settings—helping them navigate academic pressure, school avoidance, social struggles, and parent-child conflict.”
Anxiety, Depression, Family issues, PTSD, Stress management
Empowering, Solution-oriented, Warm
Accepts 15 insurance carriers
Queendroline Nkeh

Queendroline Nkeh

Psychiatric Mental Health NP

Virtual • Colorado


“I enjoy listening attentively, with deep compassion, to gain not only the trust and confidence of my clients but to obtain a greater understanding of their personalities and needs.”
ADD/ADHD, Anxiety, Bipolar disorder, Depression, Grief or loss
Holistic, Open-minded, Warm
Accepts 8 insurance carriers

Offers free consultationsView profile and book
Dr. Jenny Agbortogho

Dr. Jenny Agbortogho

Psychologist

Virtual • Colorado


Hello, I am Jenny Agbortogho, a licensed psychologist with over 20 years of experience in Cognitive Behavioral Therapy (CBT). While I have worked with a wide range of clients, my focus is with individuals who struggle with anxiety, depression, trauma, and co-occurring substance use difficulties. With a Doctorate in Clinical Psychology and training in motivational interviewing, trauma-informed care, and strengths-based treatment, I value the interpersonal connections that are made within therapy sessions. I also have expertise in developing healthy lifestyle patterns and have seen the power of mindfulness and self-compassion in helping people improve their lives.

ADD/ADHD, Anger management, Anxiety, Depression, Family issues
Empowering, Inquisitive, Solution-oriented
Accepts 4 insurance carriers

Offers free consultationsView profile and book
Kimberly Murphy

Kimberly Murphy

Therapist

Virtual • Colorado


“My approach to therapy is rooted in honoring each person's unique perspective, story, and life circumstances.”
Anxiety, Bipolar disorder, Depression, End of life care, Family issues
Affirming, Empowering, Warm
Accepts 7 insurance carriers

Offers free consultationsView profile and book
Torrie Jordan

Torrie Jordan

Therapist

Virtual • Colorado


I'm a Licensed Clinical Social Worker (LCSW) and Licensed Addiction Counselor (LAC) providing telehealth therapy to adults throughout Colorado. I believe healing begins when we become curious about the stories we've been carrying and the experiences that shaped them. My role is to provide a compassionate, collaborative space where you can safely explore those patterns, reconnect with your authentic self, and create lasting change.

I specialize in working with adults experiencing PTSD and complex trauma, developmental and attachment trauma, dissociation, anxiety, depression, substance use and harm reduction, identity exploration, life transitions, grief, chronic health conditions, and LGBTQIA+ concerns. I also support clients interested in integrating insights from plant medicine experiences into their healing.

My practice is trauma-informed, culturally humble, and affirming of people from all identities and backgrounds. I know that beginning therapy takes courage, and I strive to create a space where you feel genuinely seen, respected, and supported.

LGBTQIA+, PTSD, Substance use / addiction, Trauma, Women's issues
Empowering, Holistic, Open-minded
Accepts 4 insurance carriers

Offers free consultationsView profile and book
Whitney (Bree) Duran

Whitney (Bree) Duran

Therapist

Virtual & in-person • Durango, CO


My primary focus is working with adolescents, families, and adults, though I have a range of experience working with people of all ages and many different demographics. In particular, I have a strong background in working with at-risk youth, kinship caregivers, and foster/adoptive families. I also have a background of working with young adults transitioning to independent living, as well as adults of all ages.

I am a Licensed Clinical Social Worker (LCSW) in Colorado, and have been practicing as a therapist since 2022. Prior to this, I worked with youth, adults, and families in a variety of case management roles, including in schools, domestic violence shelters, shelters for those without housing, and families experiencing various systems involvement. This has given me an understanding of the many challenges life can bring, and equipped me with the tools to support you in navigating various barriers and difficulties.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Empowering, Open-minded, Warm
Accepts 4 insurance carriers

Offers free consultationsView profile and book
Richard Champion

Richard Champion

Therapist

Virtual • Colorado


With an extensive background spanning the full continuum of care—from outpatient services to long-term inpatient mental health—I have dedicated my career to supporting individuals across a vast spectrum of life experiences. My professional journey has been shaped by the guidance of exceptional mentors and supervisors who have instilled in me a commitment to continuous growth as a provider.

I have had the privilege of serving a wide range of populations, including:

  • Adolescent mothers and youth in the foster care system
  • Individuals within youth corrections
  • Military veterans and those navigating the complexities of post-service life
  • Survivors of domestic violence in recovery
  • The geriatric population and adults navigating significant life transitions

I believe that true healing and growth begin with authenticity. Long before it became a trending term, I sought to show up as my authentic self in every room—whether presenting to a leadership team in a government agency or sitting one-on-one with a client late into the evening.

My style is rooted in transparency. I recognize my own strengths and deficits, a practice that keeps me grounded and humble while giving me the confidence to face life’s most daunting challenges alongside my clients. I don’t believe in a "one-size-fits-all" approach; instead, I meet my clients exactly where they are, viewing them as the true experts of their own lives.

ADD/ADHD, Anger management, Anxiety, Cultural & ethnic issues, Depression
Empowering, Humorous, Warm
Accepts 9 insurance carriers
Shawna Maher

Shawna Maher

Therapist

Virtual • Colorado


“My practice is rooted in trauma-informed, culturally responsive care. I have a deep understanding of intergenerational trauma...”
ADD/ADHD, Cultural & ethnic issues, Family issues, Relationship issues, Stress management
Affirming, Empowering, Open-minded
Accepts 7 insurance carriers

Offers free consultationsView profile and book
Alisha Lucero

Alisha Lucero

Therapist

Virtual • Colorado


I am currently accepting new clients. Hi there, I’m Alisha. If you’re looking for a therapist who is down to earth, easy to talk to, and genuinely in your corner, I’d love to work with you. After 11 years in the mental health field, I’m excited to be back in private practice and to support you wherever you are in life. I work with both teens and adults, and our time together will always be shaped around you and what you need.

Anger management, Anxiety, Chronic conditions, Cultural & ethnic issues, Depression
Empowering, Open-minded, Warm
Accepts 6 insurance carriers

Offers free consultationsView profile and book
Ashlie Bustillos

Ashlie Bustillos

Therapist

Virtual • Colorado


“I am known for being down to earth and warm, and I find that my clients truly appreciate the sense of humor and realness I bring to our sessions.”
ADD/ADHD, Anger management, Anxiety, Depression, Family issues
Empowering, Holistic, Warm
Accepts 4 insurance carriers
Idowu Oni

Idowu Oni

Psychiatric Mental Health NP

Virtual • Colorado


Hello! I'm Idowu Mary Oni, a Board-Certified Psychiatric Nurse Practitioner (PMHNP-BC) committed to delivering personalized, compassionate mental health care. With a strong foundation in nursing, I specialize in supporting individuals as they navigate mental health challenges and work toward greater emotional well-being. I'm honored to be part of your journey and look forward to helping you reach your goals with care and understanding.

ADD/ADHD, Anxiety, Bipolar disorder, Depression, Eating disorders
Holistic, Open-minded, Solution-oriented
Accepts 8 insurance carriers
Lisa Severy

Lisa Severy

Therapist

Virtual • Colorado


My Positive, Storied Approach to Personal and Professional Growth

Everyone’s life is a grand story, filled with twists and turns, good things and bad things, all grounded in personal life themes. I consider it an enormous honor to be invited into someone’s story and believe that everyone has the power to take control of their stories, write the next chapter, and then make it happen.

Be the hero of your own story! Together we can talk about everything from what you want to include as you move forward, what you want to leave behind, and even the cast of characters in your life! Through thoughtful and genuine exploration, we both gain a better understanding of you and what you bring to the world including your strengths and talents, meaning and purpose. Through the process, my goal is to empower you to create a meaningful story you can be excited to step into.

I am an NCDA Certified Career Counselor and a Licensed Professional Counselor in Colorado. I have PhD in Counselor Education and a master's degree in mental health counseling. I currently serve on the boards of both the National Career Development Association (NCDA) and the American Counseling Association (ACA). I bring my strengths, training, and experience to our career and counseling work together.

Women's issues
Affirming, Humorous, Warm
Accepts 6 insurance carriers
Pamela Fields

Pamela Fields

Therapist

Virtual • Lafayette, CO


I have been a counselor for 40 years, working with individuals, couples, families and groups with psychological as well as addiction issues. I have extensive experience in inpatient as well as outpatient settings. I am eclectic in my evaluation and treatment methods, which gives me flexibility to treat individual needs. Primarily, I use cognitive-behavioral techniques. Many of my clients suffer with depression, anger, and anxiety (panic attacks, obsessive-compulsive disorder); all of which impact potential addictions. I also treat couples and families to better understand their dynamics and to improve their communication skills.

My background consists of psychological testing and understanding personalities. This has helped in my work with children, adolescents, & families. I enjoy working with gay and straight couples, to help them with empathy and communication. I do extensive cognitive work as well as teaching techniques with people suffering from anxiety, anger, and addictions.

I encourage self-awareness to stimulate one's potential. Understanding oneself is essential to reducing anxiety, depression & anger (and in improving relationships). I teach relaxation, meditation, & self-hypnosis techniques to improve personal balance. I guide couples and families to improve relationships through empathy, acceptance, and communication.

Anxiety, Depression, Family issues, Grief or loss, LGBTQIA+
Direct, Holistic, Open-minded
Accepts 7 insurance carriers
Aaron Ronn

Aaron Ronn

Therapist

Virtual • Colorado


“I know firsthand that yesterday does not have to define tomorrow — and that hope, more than almost anything else, has the power to change the trajectory of a life.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Empowering, Humorous, Solution-oriented
Accepts 5 insurance carriers
Nina Campaniello

Nina Campaniello

Therapist

Virtual • Colorado


“I tend to approach sessions from a CBT and mindfulness perspective, empowering clients to develop healthy thought patterns and habits.”
Anxiety, Depression, Family issues, Identity issues, LGBTQIA+
Empowering, Open-minded, Warm
Accepts 7 insurance carriers

Offers free consultationsView profile and book
Gina Cohn

Gina Cohn

Therapist

Virtual • Colorado


“I am passionate about serving queer and BIPOC communities and prioritize building a safe, supportive, and client-centered space in sessions.”
ADD/ADHD, Anxiety, Chronic conditions, Cultural & ethnic issues, Depression
Inquisitive, Open-minded, Warm
Accepts 7 insurance carriers
Dylan Reid

Dylan Reid

Therapist

Virtual • Colorado


My ideal clients are seeking deeper connections but feeling held back by intimacy issues, relationship patterns, anxiety, depression, or trauma. You might feel disconnected from your partner, overwhelmed by intrusive thoughts, or stuck in cycles that no longer serves you. In our work together, you don't have to hide any part of who you are. I provide a grounded, entirely non-judgmental space centered on authentic human connection. Together, we explore what is keeping you stuck and build practical, compassionate paths toward relational understanding, emotional stability, and personal healing.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Creative, Direct, Open-minded
Accepts 6 insurance carriers
Blessing Iwuozo

Blessing Iwuozo

Psychiatric Mental Health NP

Virtual • Colorado


“My approach is warm, nonjudgmental, and deeply collaborative—I meet you exactly where you are and help you move toward where you want to be.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Empowering, Open-minded, Warm
Accepts 9 insurance carriers
Dr. Roianne Ahn

Dr. Roianne Ahn

Psychologist

Virtual • Colorado


“For over 30 years as a clinician, researcher, and academic consultant specializing in relationships, I have helped individuals achieve social success through a collaborative model that emphasizes learning skills through in-the-moment interpersonal...”
Anger management, Anxiety, Chronic conditions, Depression, End of life care
Inquisitive, Open-minded, Participatory
Accepts 2 insurance carriers

Offers free consultationsView profile and book
Jeremy Thomas

Jeremy Thomas

Therapist

Virtual • Littleton, CO


“My goal is to create a space where you don't have to do that anymore. I bring a straightforward, supportive approach—someone who will listen, challenge you when needed, and help you actually move forward.”
Anger management, Anxiety, Depression, Panic disorders, PTSD
Direct, Humorous, Open-minded
Accepts 8 insurance carriers

Offers free consultationsView profile and book
Artur Akkerman

Artur Akkerman

Therapist

Virtual • Colorado


Welcome to Couples Therapy! Are you having the same argument over and over? Did your relationship experience betrayal and loss of trust? Or are you simply living as roommates or logistical partners who run a family, bussing kids across various sports/schools events, with little to no passion toward each other? I am here to help! I work with couples to identify the patterns that block connection and to rediscover the emotional bond that brought you two together. My goal is to create a calm, supportive space where both of you feel heard, respected, and understood. Change begins when we learn to understand - not fix - each other.

Anxiety, Family issues, LGBTQIA+, Relationship issues, Transgender issues
Affirming, Inquisitive, Solution-oriented
Accepts 1 insurance carrier

Offers free consultationsView profile and book
Jamie Haskell

Jamie Haskell

Therapist

Virtual • Colorado


“I see myself as a facilitator of change; meaning I am here to help you define your goals and work towards where you want to be.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Challenging, Humorous, Solution-oriented
Accepts 8 insurance carriers
Thomas Moore

Thomas Moore

Therapist

Virtual • Colorado


I’m Thomas Moore, LPCC, a licensed professional clinical counselor providing therapy for individuals navigating anxiety, trauma, emotional overwhelm, identity development, and complex relational patterns. Many of the people I work with feel stuck in repeating cycles such as overthinking, people pleasing, emotional shutdown, intense reactions, or difficulty maintaining stable relationships even when they logically understand what they should do. My goal is to help you translate insight into real change.

My approach is structured and compassionate. I integrate evidence based methods including cognitive restructuring, emotional regulation training, interpersonal effectiveness skills, and trauma informed therapy. Sessions focus on understanding why your brain reacts the way it does and building practical tools you can actually use outside the therapy room. This is not only about talking through problems but learning how to respond differently when they show up in real life.

I work well with clients who want more than passive support and are ready to build skills, increase self awareness, and interrupt patterns that no longer serve them.

What clients should know before starting

Therapy with me is collaborative and active and you will learn strategies rather than only venting. We will work on understanding both the emotional and neurological side of your reactions. Sessions focus on present day functioning while also addressing past experiences that still affect you. I may gently challenge patterns when it supports growth while maintaining a supportive and respectful space. Progress often comes from small repeated changes rather than sudden breakthroughs.

If you are looking for therapy that combines validation with practical change, we will likely work well together.

ADD/ADHD, Anger management, Anxiety, Chronic conditions, Depression
Affirming, Open-minded, Warm
Accepts 6 insurance carriers
Dr. Mahlon Roun

Dr. Mahlon Roun

Therapist

Virtual • Colorado


“I have a very laid back approach to therapy. I take my role, as a guide, very seriously and have found that a relaxed approach is best for helping people feel comfortable opening up to me.”
Anger management, Anxiety, Depression, LGBTQIA+, Men's issues
Holistic, Open-minded, Participatory
Accepts 9 insurance carriers
Nathan Klotz

Nathan Klotz

Therapist

Virtual • Colorado


“I believe in healing the mind and body together. Our minds can get stuck in loops of negative thoughts — shame, fear, resentment — like weeds taking over a garden.”
Anger management, Anxiety, Bipolar disorder, Depression, Grief or loss
Humorous, Inquisitive, Solution-oriented
Accepts 6 insurance carriers
Benjamin Jones

Benjamin Jones

Therapist

Virtual • Colorado


“I strongly believe in the changing power of therapy. I also believe that therapy can become and indulgent trap if it isn't ultimately focused on growth, change and healing.”
Anger management, Anxiety, Family issues, Men's issues, OCD
Holistic, Humorous, Inquisitive
Accepts 7 insurance carriers
Frankie Cancel

Frankie Cancel

Therapist

Virtual • Colorado


“I use evidence-based approaches like CBT, Motivational Interviewing, and trauma-informed care to help clients build practical skills and lasting change.”
Anger management, Anxiety, Cultural & ethnic issues, Depression, Family issues
Direct, Empowering, Solution-oriented
Accepts 4 insurance carriers
Bethany Ferguson

Bethany Ferguson

Therapist

Virtual • Colorado


“My clinical approach integrates evidence-based modalities, including cognitive-behavioral therapy (CBT), trauma-informed care, and mindfulness-based interventions, tailored to meet the individual needs of each client in a down to earth and practical...”
Anxiety, Chronic conditions, Depression, Maternal mental health, Physical health issues
Energetic, Solution-oriented, Warm
Accepts 8 insurance carriers
Jade McIntosh

Jade McIntosh

Therapist

Virtual • Colorado Springs, CO


Welcome! I want to hear your story! I can’t answer all life’s tough questions, but I can sit with you and guide you to find your own answers. I believe the emotional strains we've experienced are too heavy to carry alone. Everyone’s story is worthy to be told and heard. My ideal client knows there are some things holding them down and is ready to identify them and move forward in freedom. Whether you work with me or other providers, I’m excited for your journey ahead. I’m a Licensed Professional Counselor who uses holistic approaches, integrating Cognitive Behavioral Techniques, and Humanistic techniques.

Outside of therapy, I’m a lifelong learner, a big sports fan, and someone who finds grounding in working out, good food, and live music, reminders that joy and connection can exist alongside life’s hardest moments.

Anger management, Anxiety, Cultural & ethnic issues, Depression, Family issues
Open-minded, Solution-oriented, Warm
Accepts 7 insurance carriers
Yvonne Sypher

Yvonne Sypher

Therapist

Virtual • Colorado


“Healing is not about being "fixed"- it's about understanding yourself more deeply, creating new patterns, and learning how to move through life with greater balance, connection, and self-compassion.”
ADD/ADHD, Anger management, Anxiety, Cultural & ethnic issues, Depression
Affirming, Open-minded, Warm
Accepts 4 insurance carriers

Offers free consultationsView profile and book
John Nielsen

John Nielsen

Therapist

Virtual • Colorado


“Don't give up - keep looking until you find the right Therapist. This is an invitation to share sacred ground.”
ADD/ADHD, Anxiety, Depression, Family issues, Men's issues
Affirming, Empowering, Warm
Accepts 10 insurance carriers
201 - 240 of

About our therapists located within 20 miles of Greeley, CO

Number of therapists within 20 miles of Greeley, CO
There are over 22 therapists in Greeley, CO accepting new patients.
22+
Average years in practice
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8 years
Top specialties offered
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  • 95%Anxiety
  • 91%PTSD
  • 91%Depression
  • 86%Grief or loss
  • 86%Trauma
Insurances accepted
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  • 100%Aetna
  • 100%Cigna
  • 91%Carelon Behavioral Health
  • 86%Select Health - Colorado
Languages spoken
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  • 100%English
How they see their clients
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  • 100%In-person or online
Provider gender
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  • 86%Woman
  • 9%Man
  • 5%Non-binary
License types
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  • 64%Licensed Professional Counselor
  • 23%Licensed Clinical Social Worker
  • 9%Advanced Practice Nurse
  • 5%Licensed Marriage/Family Therapist
Treatment approaches
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  • 100%Individual therapy
  • 36%Family therapy
  • 32%Couples therapy
  • 23%Child or adolescent therapy

Frequently asked questions

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Find the right therapist for you

Headway makes it easy to find support for your mental health — from finding the right provider, to understanding costs, to scheduling with ease.

Factors to Consider When Choosing an Anxiety Therapist in Greeley, CO

Searching for therapists in Greeley starts with knowing what kind of support you want and which therapist specialties match your needs. People often look for therapy for anxiety, depression, relationship challenges, grief, stress, or life transitions. As you compare Greeley therapists, look for profiles that list experience with your concern and describe the therapist’s approach. Some therapists may use cognitive behavioral therapy, dialectical behavior therapy, eye movement desensitization and reprocessing, or other methods, so reading bios can help you understand what care may look like before you book.

In a smaller city like Greeley, nearby in-person options may be more limited than in larger Colorado markets. Virtual therapy can expand your choices while still letting you work with a therapist licensed in Colorado. As you narrow your search, consider appointment availability, whether the therapist is accepting new patients, and whether their schedule fits your routine. A free phone consultation can also help you ask practical questions and get a sense of communication style before starting care.

Therapy in Greeley can be a significant investment without insurance. Using in-network insurance is one of the most reliable ways to reduce session costs and see your estimated price before booking. Headway helps you search for therapists who match your preferences, accept a wide range of insurance plans, and may be accepting new patients. You can compare bios, choose virtual or in-person care, and book directly when you’re ready.

1 Cost may vary based on your location, age, and insurance coverage.