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 Does No Fault Auto Insurance Work?

No-fault insurance is a type of car insurance required in certain states in America. What is no-fault auto insurance? Which states require no-fault insurance? Today, we’re explaining everything you need to know about no-fault states and no-fault insurance. What Is No-Fault Auto Insurance? No-fault auto Read More…

Does Car Insurance Cover Hail Damage?

Hailstorms can inflict severe damage to a vehicle. When your vehicle gets damaged, you depend on car insurance to cover it. But does car insurance cover hail damage? Will your car insurance company reimburse you for hail damage? Today, we’re explaining everything you need to Read More…

What Is the Optimal Age for Low Auto Insurance Rates?

Auto insurance prices vary with age. Generally speaking, auto insurance prices drop as you get older. Teenage drivers are high-risk drivers, while older drivers have more experience. However, drivers will eventually reach an age when insurance rates start to rise. As drivers move into their Read More…

Why Is Car Insurance So Expensive in Michigan?

Michigan is one of the most expensive states in America for car insurance. In fact, Michigan has repeatedly been ranked as the number one most expensive state for car insurance. Why is car insurance so expensive in Michigan? Why do Michigan drivers pay for more Read More…

What is a Car Insurance Card?

In the United States, anyone who owns a vehicle is legally obligated to carry car insurance. In most states, liability insurance is the minimum coverage requirement. This type of insurance protects you financially if you cause an accident. It will pay for any damages (property Read More…

How Long Does an SR-22 Last?

An SR-22 is a special certificate that must be held by certain drivers. How long does an SR-22 last? How long do you have to pay for SR-22 insurance? How long will you continue to pay higher insurance rates? Today, we’re explaining everything you need Read More…

What is a Car Insurance Declarations Page?

The declarations page is a crucial part of any car insurance policy document. What is a declarations page? What does the information on your declarations page mean? Today, we’re explaining everything you need to know about car insurance declarations pages and why they’re important. What Read More…

Why is Car Insurance So Expensive in Florida?

Drivers in Florida pay some of the highest car insurance rates in the United States. What makes Florida such an expensive place to insure a vehicle? Why are car insurance premiums so high in Florida? Today, we’re explaining all of the reasons why Floridians pay Read More…

How and Why Can Insurers Deny Your Claim?

You’ve been involved in a collision. Fortunately, you’re covered by insurance. You make a claim through your insurance company – only to have your claim denied. Oftentimes, having your claim denied is not your fault and can be rectified, so don’t immediately fret. There are Read More…

Are There Car Insurance Discounts for Teachers?

Drivers with certain jobs may be entitled to certain insurance discounts. That’s because certain professions are linked with lower accident rates. Your insurance company uses your employment information to assess your risk. Are there car insurance discounts for teachers? Can teachers expect to pay less Read More…

Affordable Car Insurance for SSI Recipients

If you’re a Supplemental Security Income (SSI) recipient, then you may be wondering if you qualify for special car insurance rates. Many SSI recipients live on small budgets from paycheck to paycheck. Money is understandably tight, and even the cheapest car insurance can put a Read More…

What If My Car Insurance Lapses?

So you forgot to pay your car insurance payment for the month. Or maybe you knowingly let your car insurance expire. What happens when your car insurance lapses? What should you do when you miss a car insurance payment? Today, we’re explaining everything you need Read More…

Can You Get Car Insurance Without a Job?

So you’re unemployed and you need car insurance. Can you get car insurance without a job? Does a car insurance company care about your employment status? Today, we’re explaining everything you need to know about getting car insurance without a job. Insurance Companies Will Not Read More…

Is It Required to Have Auto Insurance?

You’re legally required to have auto insurance to drive on every public street in the United States. There are no exceptions to this rule. The type of auto insurance required by law, however, varies between states. Some states require only a bare-bones insurance plan with Read More…

Does My Car Insurance Cover Theft?

One of the most common questions we get here is whether or not car insurance covers theft. The answer, as you might expect, depends entirely on your insurance policy: some insurance policies cover theft, while others do not. Today, we’re helping you determine whether or Read More…

What is a Car Insurance Claim?

You file a car insurance claim when you need to use your car insurance policy. You’re making a “claim” on the policy and asking your insurance company to provide coverage based on the requirements outlined in your policy. Sometimes, it’s obvious when you need to Read More…

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