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.

What Is Personal Injury Protection?

Personal injury protection, or PIP, is an insurance policy that covers medical bills for you and your passengers in the event of a vehicle accident. It can also cover things like lost wages, childcare, funeral expenses, and long-term rehabilitation. PIP is a required type of Read More…

Is Usage-Based Car Insurance Right for You?

Usage-based car insurance is one way to potentially save money on car insurance. However, it’s not the right choice for everyone. Today, we’re helping you decide if usage-based insurance is the right choice for you. How Does Usage-based Insurance Work? Usage-based insurance (UBI) is a Read More…

What Is Personal Umbrella Insurance?

Personal umbrella insurance is a type of liability insurance that goes above and beyond the coverage provided by other policies. Most people do not need personal umbrella insurance – although certain individuals can benefit from it. Today, we’re explaining everything you need to know about Read More…

What is Rental Reimbursement Coverage?

Rental reimbursement coverage is an optional insurance policy that will cover the cost of a rental car if you’re unable to drive your primary vehicle. Most auto insurance companies provide rental reimbursement coverage. However, it’s not included on all plans by default. No states require Read More…

Why is Car Insurance So Expensive in Louisiana?

If you look at a list of the most expensive car insurance policies by state, then you may be surprised to see Louisiana on the list. Louisiana is typically ranked as one of the top five most expensive states in America for car insurance. In Read More…

Why Are Car Insurance Policies 6 Months Long?

Car insurance policies are typically 6 months or 12 months in length. Why are 6-month auto insurance policies so popular? Why are many car insurance policies 6 months long? Should you choose a 6-month or 12-month policy? Today, we’re answering any questions you might have Read More…

Why Do Car Insurance Premiums Change Over Time?

If you have been driving for a while, then no doubt you’ve experienced just how variable car insurance rates can be. One minute they’re rather reasonable and the next, you’re paying through the nose. For the same policy, with the same vehicle, and with the Read More…

Does Car Insurance Cover Vandalism?

Most people that have car insurance only have a vague idea what their insurance actually covers. The language of your insurance policy is so dense and difficult to understand that almost no one even reads it and fewer are able to comprehend and remember what Read More…

How Veterans Can Find Cheap Car Insurance

When you need car insurance, you can depend upon your status as a veteran or military family to qualify you for discounts and special offers because there are programs in place for most of the major expenses out there, to give military families and veterans Read More…

What Is Comprehensive Coverage?

Comprehensive coverage is the type of auto insurance coverage that pays to repair or replace your car after something other than a collision. Comprehensive coverage typically covers damage due to things like natural disasters, inclement weather, contact with animals, theft, and vandalism. Comprehensive coverage can Read More…

What Is Collision Coverage?

Collision coverage is pretty easy to understand. It’s coverage for damages to your car caused by an impact with another car or object. It covers damage to your vehicle in a number of situations. If you hit another vehicle, for example, this type of coverage Read More…

How Does My Driving History Affect My Insurance Rates?

Your driving history tells insurance companies a lot about you. If you are a careful driver with a clean record, your insurance rates will reflect that. If you are an aggressive, reckless driver with a history of at-fault accidents and traffic violations, you, unfortunately, will Read More…

What Is Medical Payments Coverage?

Medical payments coverage, also known as MedPay, pays for the medical bills of you and any of your passengers that are injured in an auto accident. MedPay will pay for damages no matter who is at fault for the accident. It will also pay for Read More…

What Is Gap Insurance? Do I Need It?

Gap insurance is a type of insurance coverage for newer automobiles that can be tacked onto your collision insurance policy. It is optional insurance coverage. It could pay the difference between the balance of a loan or lease on a car and what your insurance Read More…

Is It Possible to Find Cheap SR22 Insurance?

An SR-22 is a financial obligation certification typically required by the state when a person without liability insurance gets into an accident or is otherwise found to be without legally mandated coverage.  Sometimes they are required by drivers who are seeking to reinstate their driving Read More…

Why It’s Important To Review Your Car Insurance Policy

You should periodically review your car insurance policies in a “check-up”. The insurance industry often suggests customers check up on their policies to ensure everything looks right and up-to-date. To a cynical person, that might sound like a ploy to get customers on the phone Read More…

Will My Insurance Rates Increase If I Move?

If you’re planning on moving, there’s no doubt that you have done a lot of research. You’ve researched the different types of homes that are on the market, the amount of money you can comfortably spend on your mortgage, the schools, and even the types Read More…

Does It Pay To Be A Loyal Car Insurance Customer?

You’ve heard of loyalty programs. Airlines reward customers with free miles when they fly the same airline over and over again. Coffee shops offer a 10-punch card for a free cup of coffee. As a matter of fact, most companies are actively trying to improve Read More…

Are Video Game Players Safer Drivers?

It has long been thought that to be a safer driver you need lots of practice. Most studies show that women over the age of 30 are the safest drivers on the road because they are the most cautious. While experience on the road is Read More…

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