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.

Can You Buy Cars From Insurance Companies?

You may have heard about buying cars from insurance companies. Yes, it’s possible to buy a car from an insurance company. Insurance companies sell vehicles at auctions, and drivers can buy these vehicles at a discount. However, many of these vehicles have been involved in Read More…

What Is Drive Away Insurance? What Does It Cover?

Drive away insurance is a special type of insurance policy that lets you ‘drive away’ a recently-purchased vehicle. If you just bought a car from the dealership, for example, then you might need ‘drive away insurance’ to drive that car home. The dealership will require Read More…

Passive Restraint Discounts Explained

Many car insurance companies offer a discount for using passive restraints. Passive restraints include airbags, anti-lock brakes, and other safety features of your vehicle that run without requiring active input from the driver. These systems run at all times while your vehicle is in motion, Read More…

New Car Replacement Insurance Explained: Should You Buy It?

New car replacement insurance seems confusing. We’re here to clarify it. New car replacement insurance covers the cost of replacing a new car after an accident. Because new vehicles depreciate quickly in value, new car replacement insurance can protect your vehicle and ease financial pain Read More…

How to Separate Auto Insurance After a Divorce

When you get a divorce, you need to separate many aspects of life – including car insurance. Separating car insurance after a divorce should be straightforward. However, if you own multiple vehicles or have bundled multiple policies together, then things could get complicated. Keep reading Read More…

Total Loss Thresholds by State

If your vehicle is involved in a serious accident, then it could be a total loss. Your insurer will declare your vehicle a total loss when the cost of repairing the vehicle exceeds the total loss threshold. If the value of your vehicle is lower Read More…

How to Become an Auto Insurance Agent

Becoming an auto insurance agent may be easier than you think. In most states, you need a license to sell auto insurance. Some states also require you to take a test. Are you interested in selling car insurance? Do you want to become an auto Read More…

Auto Insurance for Snowbirds: How Does It Work?

Heading south for the winter is fun, but it can create questions about auto insurance. Depending on your insurance needs, driving habits, and other factors, you may need different car insurance products and services as a snowbird. How does auto insurance work for snowbirds? What Read More…

Can You Drive Alone With a Learner’s Permit?

A learner’s permit is the first step towards becoming a fully licensed driver. Depending on your state, you may be able to drive alone with a learner’s permit. In most states, drivers with a learner’s permit must have a fully licensed driver (often a family Read More…

What Happens If You Don’t Return License Plates?

If you’re getting rid of an old car, then you may need to surrender your license plates. License plate rules vary by state. In some states, drivers face serious consequences for not surrendering their license plates. In other states, you’re free to keep the plates Read More…

Custom Parts and Equipment Coverage Explained

Your car insurance policy might mention custom parts and equipment coverage. Custom parts and equipment coverage, also known as CVE, covers unique parts and accessories added to your vehicle. CPE is an endorsement, which means it supplements existing coverage. By adding custom parts and equipment Read More…

Getting Insurance for Financed Vehicles

When financing a car, you need different car insurance. The lender partially owns your vehicle, and that means they can require you to carry a specific type of car insurance. Most lenders require you to carry full coverage car insurance on financed vehicles. Full coverage Read More…

What Is “Third-Party” Auto Insurance?

Third-party auto insurance is a type of car insurance that protects other people from damage you cause. You might buy car insurance to protect your own vehicle. Car insurance covers your own vehicle in a collision. However, third-party auto insurance protects third parties instead of Read More…

What Is an Independent Agent?

When shopping for car insurance, you’ll find people who call themselves independent gents. An independent agent is an insurance agent that sells policies from multiple companies. The agent reviews your needs, then recommends the best insurance. What does an independent agent do? What are the Read More…

What Is a Clean Title?

When shopping for used cars, you’ll find most vehicles advertised with a “clean title.” A clean title means the car has never been deemed a total loss. Most cars have clean titles. The term is slightly misleading: when a car has a clean title, it Read More…

What Is a Named Insured Driver?

When dealing with car insurance, you will encounter terms like “named insured driver.” The named insured driver is typically the owner of the insurance policy. It’s the primary driver of the vehicle that is being insured. You can list other drivers on your policy, but Read More…

How to Get a Copy of Your Driving Record

Your driving record impacts your life in multiple ways. Many drivers find it useful to get a copy of their driving record. Getting a copy of your driving record is easy, and it explains important information. Your driving record includes accidents and tickets. After obtaining Read More…

What Is a Car Insurance Surcharge?

If you recently checked your car insurance paperwork, then you may have noticed a car insurance surcharge. Sometimes, insurers add a fee or penalty to your premium. This is called a surcharge. In most cases, insurers charge a surcharge because of a recent violation – Read More…

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