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.

Does Car Insurance Increase at Age 70?

For most drivers, car insurance rates drop with age. As you get older and more experienced, you tend to be a safer driver. That means lower insurance rates. After a certain age, however, car insurance rates rise. After age 70, some drivers may pay higher Read More…

How to Remove Someone From Your Car Insurance Policy

It may be in your best interest to remove a driver from your insurance policy. By removing a high-risk driver from your policy, you could save thousands per year on car insurance. Or, you might remove a high-risk teenage driver from your policy because they’re Read More…

Defensive Driving Course Discounts Explained

Drivers who take defensive driving courses are statistically safer to insure. If you have taken a defensive driving course, then insurance companies seek your business. Drivers who invest in defensive driving courses today tend to be safer drivers in the future. Plus, defensive driving courses Read More…

All About the Good Student Discount for Car Insurance

Most major insurance companies offer good student discounts. If you have a B average or higher, then you could save hundreds per year on car insurance. Good student discounts vary between companies. Some companies require an ‘A’ average, for example, while other companies require a Read More…

What is the Distant Student Discount?

Many insurers offer a distant student discount. If you are a college student living away from home, then you could qualify for this discount. You might qualify for the discount if you live more than 100 miles away from your home address. Some insurers require Read More…

The 25 Best Auto Insurance Companies in America for 2022

Choosing the right auto insurance company is a challenging process. With so many different companies out there all offering similar coverage packages, deciding who to buy from can become quite overwhelming. Which insurer best suits your needs? Which insurer has the most affordable auto insurance Read More…

How Do Police Know If a Car is Insured?

All states require drivers to have some type of insurance. If a police officer catches you driving without insurance, then you could face penalties. But how do police know if a car is insured? Police use various strategies to check the insurance status of a Read More…

What Is a Car Insurance Binder?

When shopping for a new car insurance policy, you may hear a lot of industry terminology that you aren’t familiar with. One common term to be aware of is the concept of a car insurance binder. When you purchase a car insurance policy, you’ll often Read More…

25 Safe Driving Tips for Teen Drivers

Teenagers are the riskiest drivers on the road. Teenagers make more insurance claims than any other age group. They’re inexperienced, and they’re more likely to engage in risky behavior like speeding. Car accidents are the leading cause of death among 15 to 20-year-olds. More than Read More…

What Is Bodily Injury Liability Coverage?

Bodily injury liability (BIL) coverage is mandatory in most states. If you don’t have bodily injury liability coverage, then you cannot legally drive. Bodily injury liability coverage covers injuries you inflict on other people. If you hit a pedestrian, for example, or harm another driver Read More…

What Is Property Damage Liability Coverage?

Most states require property damage liability coverage on all car insurance. Property damage liability (PDL) coverage is crucial, yet many drivers don’t fully understand it. Property damage liability coverage covers the cost of repairing someone else’s property after an accident. It can cover car repair Read More…

What Is Non-Renewal? How Do You Avoid It?

If your car insurance company no longer wants your business, then you may receive a non-renewal notice. With non-renewal, your car insurance company has decided not to renew your policy upon expiration. After your car insurance policy expires, your policy will not be automatically renewed. Read More…

What is a Car Insurance Endorsement?

A car insurance endorsement can change your coverage significantly. An insurance endorsement, also called a rider, is a change to your insurance policy that impacts your coverage. You might add an endorsement to your auto insurance policy to cover an aftermarket part, for example. Or, Read More…

What Does a Car Warranty Cover?

A new car comes with a warranty that covers certain repair costs. Most cars have a basic warranty, with an extended warranty available for a higher price. Some car warranties only cover manufacturers’ defects – similar to a product warranty. Others cover virtually any mechanical Read More…

The Importance of Buckling Your Seatbelt

Buckling your seatbelt is a proven way to save lives. Seatbelts matter. They protect you and other people in your vehicle. Of the 37,000 people killed in motor vehicle crashes every year, about 50% were not wearing seatbelts. Over 90% of Americans wear a seatbelt Read More…

The Top 22 Myths About Car Insurance

You might think you know about car insurance. But there are plenty of misconceptions. Are red cars more expensive to insure than others? Does gender really impact car insurance premiums? Today, we’re explaining the most common car insurance myths – including some myths that are Read More…

Tips for Driving Safely in the Rain

Rain significantly increases the chances of an accident. Slippery roads and poor visibility are a deadly combination. Fortunately, driving in the rain doesn’t have to be dangerous. By following some basic safety tips, you can reduce your risk and improve your safety. Keep reading to Read More…

Using Fake Proof of Insurance – What Are the Penalties?

States require drivers to have car insurance. If you are pulled over by a police officer, you must show proof of insurance. Some drivers carry fake proof of insurance documentation. Sometimes, police officers cannot verify insurance information immediately. Some drivers even use fake proof of Read More…

How to Write a Demand Letter to Your Insurance Company

Your insurance company is supposed to protect you financially in the event of a car accident. Unfortunately, many insurance companies will look for opportunities to deny your claims. If you have been in an accident and the insurance company is denying your claim unfairly, you Read More…

What Is a Captive Agent?

One of the most popular ways to purchase car insurance is to go through an agent. There are two different types of insurance agents – captive agents and independent agents. When shopping for your insurance policy, it’s important to understand what type of agent you Read More…

Is Double-Dipping with Car Insurance Illegal?

You may be tempted to double-dip with car insurance. Double-dipping involves filing two claims for one incident. Is double-dipping with car insurance illegal? Or is it just smart business? It’s illegal to double dip car insurance. You cannot file two claims for a single incident, Read More…

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