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.

Who is the Primary Driver of an Auto Insurance Policy?

When dealing with car insurance, the primary driver is important. In fact, in some insurance claims, the insurance company can dispute the primary driver of your policy, leading them to deny your claim. The primary driver of your auto insurance policy is the person who Read More…

Is It Bad to Switch Car Insurance Companies?

Different insurance companies charge different prices for car insurance. That’s why some drivers regularly switch between insurers – but is it smart to switch insurance companies? When done right, switching insurance companies can save you money and help you take advantage of different perks and Read More…

What is Property Protection Insurance (PPI) for Auto Insurance?

Property protection insurance (PPI) is a type of liability coverage exclusively for drivers in Michigan. Michigan requires drivers to have property protection insurance. It provides up to $1 million of property damage protection. If you damage another Michigan resident’s property, then PPI could cover this Read More…

What Does Non-Owner Car Insurance Cover?

Non-owner car insurance is a unique type of coverage for drivers without a vehicle. If you frequently drive someone else’s vehicle and want to ensure adequate coverage, then you might buy non-owner car insurance. Even though you don’t own a vehicle, you can obtain car Read More…

Does Car Insurance Cover a Hit-and-Run?

Hit-and-runs are devastating. To make things worse, car insurance may not always cover a hit-and-run accident. A hit-and-run accident is only covered by car insurance if you have collision coverage or uninsured motorist property damage coverage. If you have neither coverage, then you may need Read More…

Minimum Coverage Auto Insurance Explained

Many budget-minded Americans looking to save some money often opt to purchase only the minimum required auto insurance coverage. Minimum coverage auto insurance refers to a policy that meets the minimum requirements set forth by your local state government – and nothing more. Each state Read More…

What is a Collision Damage Waiver?

A collision damage waiver (CDW) plays an important role in rental car insurance. However, it’s easy to get confused with collision damage waivers. A collision damage waiver is an additional level of insurance offered by a rental car company to its customers. By purchasing a Read More…

Tips for Buying Car Insurance for the First Time

Buying car insurance for the first time can seem intimidating. Fortunately, with some preparation, it’s easy to buy car insurance for the first time. As a new car insurance customer, you may pay higher rates for insurance. Insurance companies have no record of your driving Read More…

Active-Duty Military Auto Insurance Discounts Explained

As an active-duty member of the military, you may qualify for certain discounts. Many companies reward drivers for their service by providing a discount on auto insurance. By taking advantage of discounts, active-duty military personnel can save hundreds per year on car insurance. Some companies, Read More…

What Is Permissive Use Auto Insurance Coverage?

Most people are unaware of the fact that auto insurance is not applicable to every type of traffic accident. There are some accidents that your auto insurance policy just won’t cover. For example, if an unauthorized party is using the insured vehicle and crashes it, Read More…

What Does Your Credit Card Cover When Renting a Car?

Many credit cards come with rental car insurance coverage. You may know your credit card has rental car coverage, but few drivers fully understand how this coverage works. What does your credit card cover when renting a car? How does credit card rental car insurance Read More…

Fast Cars with Cheap Insurance: Top 10 List

So you want to drive a fast car but don’t want to pay a fortune in car insurance. Fortunately, there are plenty of fast cars with cheap insurance premiums. Generally, the world’s fastest cars tend to be the most expensive cars to insure. It costs Read More…

How Long Can You Be Without Car Insurance?

You’re not supposed to drive without car insurance. But how long can you be without car insurance before it’s a problem? You need car insurance every time you drive your vehicle on public roads. If you are driving without car insurance, then you are driving Read More…

Getting Insurance for First-Time Drivers Over 25

As a driver over 25, you typically pay cheaper insurance rates than younger drivers. However, if you are a first-time driver over 25, then rules can be different. New drivers at any age pay higher insurance premiums. Sometimes, new drivers over 25 pay higher insurance Read More…

Auto Insurance Discounts for Seniors

Some car insurance companies in the United States provide senior discounts. As a senior driver, you may qualify for cheaper car insurance rates. Do auto insurance discounts for senior citizens exist? Which car insurance companies offer the best senior discounts? How much money can you Read More…

What is Standard Coverage for Auto Insurance?

Standard auto insurance coverage is the basic insurance required to legally operate an automobile. This level of insurance is applicable to drivers who have an average risk profile and do not want to pay a considerable monthly premium for extensive insurance coverage. Though standard auto Read More…

What Are Combined Single Limits (CSL)?

A combined single limit insurance policy, commonly referred to with the acronym of CSL, is a form of insurance coverage in which there is a single dollar limit applicable to any combination of property damage liability and bodily injury claims. Combined single limits are distinct Read More…

What Auto Insurance Is Best for Infrequent Drivers?

If you’re an infrequent driver, then you spend less time on the road than an average driver. That means lower risk, which should mean cheaper insurance. Some insurance companies offer cheap low mileage car insurance policies. These policies reward drivers who spend less time on Read More…

Car Insurance for Wheelchair Accessible Vehicles

Getting car insurance for a wheelchair accessible vehicle may seem complicated – but it’s easier than you think. Thousands of Americans have adequate coverage for their wheelchair accessible vehicles. Car insurance for a wheelchair accessible vehicle works similarly to other car insurance policies, although you Read More…

Discount Car Insurance for Graduate Students

As a graduate student, finances can be tight. Fortunately, some car insurance companies provide discounts to graduate discounts. Some graduate students qualify for student living away from home discounts. Other graduate discounts get good grade discounts. Today, we’re highlighting the best discount car insurance for Read More…

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