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 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…

What Is Mechanical Breakdown Insurance (MBI)?

Mechanical breakdown insurance is an optional car insurance coverage that works similarly to an extended warranty. MBI is only available through some insurers on qualifying vehicles. It protects your vehicle against unexpected repairs and replacements outside of accidents and routine maintenance. What is mechanical breakdown Read More…

Will Auto Insurance Pay if You Hit an Animal With Your Car?

An animal can cause serious damage to your vehicle. Auto insurance will cover the accident if you have comprehensive coverage. Comprehensive coverage covers damage to your vehicle outside of collisions with other drivers. Comprehensive coverage is optional in all states. It covers hailstorm damage, fallen Read More…

How to Make Your Auto Insurance More Expensive

A single mistake can double or triple car insurance premiums. It’s easy to make car insurance more expensive. Today, we’re explaining the best ways to make car insurance more expensive – so you’ll know what not to do. From speeding tickets to DUIs to at-fault Read More…

What Are Some Used Cars that Are Cheap to Insure?

When buying a used car, it’s important to consider the cost of car insurance. Some used cars are cheaper to insure than others. By picking the right used car, you could pay just a few hundred dollars a year for liability insurance. Even if you Read More…

What Is Other Than Collision (OTC) Coverage?

When shopping for car insurance, you may encounter the term ‘other than collision’ coverage. Also known as OTC coverage or comprehensive coverage, other than collision coverage covers damages that occur outside of accidents. It covers hailstorm damage, collisions with animals, theft, vandalism, and other damages, Read More…

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…

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