James Shaffer
James Shaffer James Shaffer is a writer for InsurancePanda.com and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.

How Do I Know If I Have Gap Insurance?

Gap insurance covers the gap between the value of your vehicle and the amount you owe for that vehicle. You can check the terms of your lease or loan, or check your current car insurance policy, to verify you have gap coverage. Keep reading to Read More…

Safelite and Insurance: Is Safelite Covered by Insurance?

Safelite is one of the biggest and best-known auto glass repair and replacement services in the United States. Depending on your insurance coverage and how the damage occurred to your glass, your insurance may cover the cost of Safelite repair or replacement services. Keep reading Read More…

Best Insurance Companies for Cars with Salvage Titles

Finding insurance can be tough if your car has a salvage title. However, some insurers specialize in covering rebuilt cars that formerly had salvage titles. Some of the best and biggest car insurance companies that offer insurance for cars with rebuilt titles include USAA, GEICO, Read More…

Car Insurance Deductibles Explained

The deductible is one of the most important parts of your car insurance policy. When you make an insurance claim, you must pay a deductible. You pay a deductible of $250 to $1,500 per claim, and your car insurance company covers all remaining repair costs.   Read More…

How Can You Find Budget Auto Insurance?

Millions of Americans overpay for auto insurance. Some people pay $2,000 per year for car insurance. Others pay less than $500. With a bit of research, you can find budget auto insurance that meets your needs. Today, we’re explaining some of the best tips, tricks, Read More…

When Do You Need Commercial Auto Insurance?

Depending on how you drive your vehicle, you may need commercial auto insurance. Someone who drives their vehicle for work needs commercial auto insurance. If you don’t have commercial auto insurance, then your insurer could deny your claim. Many drivers are surprised to discover they Read More…

How Can You Get Free Roadside Assistance?

Roadside assistance covers towing, fuel delivery, flat tire changes, and other roadside emergencies. Typically, you pay $20 to $150 per year for roadside assistance. You buy roadside assistance from your insurer or from a third party like AAA. Alternatively, you can pay $50 to $250 Read More…

What Are the Cheapest Cars to Insure for a Teenager?

Teenagers pay the highest auto insurance premiums in the United States. However, some cars have cheaper car insurance than others. By buying the right type of car, you can save thousands per year on car insurance premiums. Keep reading to discover the cheapest cars for Read More…

Am I Covered If My Car Breaks Down?

Auto insurance covers unexpected events, but it doesn’t cover most vehicle repairs. Routine maintenance is part of owning a vehicle. Over time, vehicles break down and need repairs. Auto insurance covers accidents, collisions, theft, and other damages, but it does not cover most repairs. However, Read More…

Which Companies Sell Non-Standard Car Insurance?

In some situations, drivers need non-standard car insurance. Some drivers need non-standard car insurance because they’re high-risk, for example. Others need non-standard auto insurance for classic cars or supercars. Some need non-standard car insurance because they have multiple DUIs, while others need non-standard car insurance Read More…

What Should You Do if Someone Hits Your Parked Car?

If someone has hit your parked car, you need to take certain steps. First, contact the police to investigate the incident. Police will create an accident report. Then, notify your insurer to begin the claim. If you have collision coverage or uninsured motorist coverage, your Read More…

What Is Full Glass Coverage? Is It Worth It?

Full glass coverage protects the windshield, windows, and other glass on your vehicle. Available as an optional coverage with some insurers in certain states, full glass coverage allows you to replace your windshield and other glass without paying a deductible. What is full glass coverage? Read More…

What Is SR-22 Car Insurance Coverage?

SR-22 insurance is a certificate verifying you have minimum insurance liability coverage. When you have SR-22 car insurance, you meet the minimum car insurance requirements in your state. The SR-22 is not technically insurance. It’s a certificate verifying you have met your state’s minimum auto Read More…

Do I Have Enough Auto Insurance?

Having enough auto insurance coverage is important. You don’t want to be under-insured, nor do you want to be over-insured. Unfortunately, millions of drivers carry too little insurance, leaving them dangerously under-protected in the event of a claim. Millions of other drivers carry too much Read More…

Can an Insurer Cancel Your Car Insurance Policy?

You depend on your car insurance to be there when you need it. However, your insurer could cancel your policy. If you violate the terms of your policy, or if you didn’t pay your premiums, then your insurer could drop your coverage and cancel your Read More…

How Can I Check How Many Points Are On My License?

Most states use a points system to track driving violations. By checking points on your license, you can avoid deeper penalties. In most states, you can check how many points are on your license by visiting the Department of Transportation or the Department of Motor Read More…

What Are Some Cars That Have Low Repair Costs?

Many drivers are surprised by vehicle repair costs. A vehicle may seem cheap to buy and insure, only to surprise drivers with expensive repair costs. Some cars are cheaper to repair than others. Domestic vehicles, for example, tend to be cheaper to repair than foreign Read More…

What Is the New York Automobile Insurance Plan?

The New York Automobile Insurance Plan is an auto insurance program for high-risk drivers. The program is run by the state of New York and an organization called AIPSO. You sign up for the program, and the program assigns a car insurance company to your Read More…

Are There Special Car Insurance Coverage Options for New Cars?

If you drive a new car, then you have special options for car insurance. New vehicles qualify for new car replacement insurance, for example, along with gap coverage, mechanical breakdown insurance, safety and security feature discounts, and more. Which special car insurance options are available Read More…

What Does Reddit Say Is the Cheapest Way to Get Car Insurance?

Reddit is a great source for online car insurance information. Every day, thousands search Reddit to find the cheapest car insurance. According to Reddit communities (aka ‘subreddits’) like r/frugal, r/povertyfinance, r/personalfinance, and r/lifeprotips, the cheapest way to get car insurance is to compare quotes frequently Read More…

What to Do if You’re Hit by an Uninsured Driver

Colliding with an uninsured driver can be confusing and stressful. Nearly 1 in 7 Americans drive without insurance. In an accident, there’s a good chance the other driver is uninsured or underinsured. If you’re hit by an uninsured driver, then there are steps to take Read More…

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