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Explore the Insurance Panda blog to learn more about auto insurance. Our blog will be updated frequently with interesting news and informative articles regarding auto insurance. Posts on our blog will teach you how to save on auto insurance, how to take advantage of discounts, and other cool new things happening in the industry.
The year of your car is important. It affects the value of your car, which affects insurance rates. If you have a 2021 model year car, then you’ll pay more for full coverage car insurance than someone with a 2011 car, all other things being Read More…
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…
A learner’s permit is the first step toward 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…
If you’re getting rid of an old car, then you may need to surrender your license plates. License plate rules vary by state. In some states, drivers face serious consequences for not surrendering their license plates. In other states, you’re free to keep the plates Read More…
Your credit score impacts car insurance rates. Fortunately, there are ways to get auto insurance quotes with no credit check. In most states, you can get an auto insurance quote without a credit check, assuming you know where to look. However, you cannot obtain a Read More…
Bundling home and auto insurance can save you thousands on insurance. Some companies offer better home and auto insurance bundles than others. Some companies lower premiums by 20% or more just for bundling multiple policies. Other companies give a smaller discount. Some companies have good Read More…
Insurance companies consider several factors to calculate premiums, including speeding tickets. In most states, red light tickets and speeding camera tickets do not impact car insurance rates. Some insurers raise rates significantly for one or more speeding tickets. Others ignore one or two minor speeding Read More…
Many people wear masks while driving. However, health and safety experts recommend against wearing masks while driving because it leads to more accidents and higher insurance rates. A year ago, it was unusual to see someone wearing a mask while driving. Today, thanks to COVID-19, Read More…
If you recently checked your car insurance paperwork, then you may have noticed a car insurance surcharge. Sometimes, insurers add a fee or penalty to your premium. This is called a surcharge. In most cases, insurers charge a surcharge because of a recent violation, like Read More…
Anti-lock brakes (ABS) are a common safety feature, and they could reduce car insurance premiums. Many car insurance companies provide discounts for any features that reduce the risk of your vehicle – including anti-lock brakes. Although anti-lock brakes have been required on all new vehicles Read More…
With standard car insurance, you pay a deductible when making a claim. You pay a deductible, and your insurer covers the rest. Some drivers, however, are curious about zero deductible car insurance. With zero deductible car insurance, you pay nothing when making a claim. You Read More…
Non-owner SR-22 insurance is a unique type of car insurance required by certain drivers. Your state’s DMV may notify you about SR-22 requirements. The DMV may require you to provide SR-22 insurance to reinstate your driver’s license and vehicle registration, for example. If you don’t Read More…
Getting a DUI will raise car insurance premiums. In most states, a DUI raises premiums by 40% to 100%, and you could pay higher premiums for up to 10 years. But how do insurance companies find out about DUI convictions? Typically, insurance companies discover a Read More…
The National Association of Insurance Commissioners (NAIC) is a US organization that sets standards and regulations for the insurance industry. Each insurance company in the United States has an NAIC number. Some companies have multiple NAIC numbers – say, one number for each subsidiary organization Read More…
Accidents can be expensive. Insurance companies raise insurance premiums after an at-fault accident, but do they also raise premiums after an accident that was not your fault? In most cases, a no-fault accident will not raise insurance premiums. Your insurance company should not raise rates Read More…
It’s important to know when your car insurance expires. If you don’t know when your car insurance policy expires, you could mistakenly let your car insurance lapse between policies, which could make you a high-risk driver. Insurance policies typically last 6 months to 12 months. Read More…
You can cancel your car insurance policy. But do you get a refund on unused premiums after you cancel car insurance? Or does your insurance company keep the money? Most insurance companies give you a refund on unused premiums after you cancel car insurance. In Read More…
Have you ever sat down and wondered, “why is car insurance mandatory?” The answer is a bit more complicated than you might expect. The truth is that there is no federal law that says all drivers are required to have auto insurance when driving. Instead, Read More…
You need a license to legally drive in the United States. If you are caught driving without a license, then you face fines, imprisonment, and other penalties. In most states, drivers pay a fine for driving without a license. Drivers in Wisconsin, for example, pay Read More…
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…
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…
So you’re going on a road trip. Naturally, you’re concerned about car insurance. Things can go wrong on a road trip, and car insurance protects you. Do you need to update your car insurance coverage before a road trip? Should you raise or adjust your Read More…
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…
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…
If you have a long commute, then you spend more time on the road than the average driver. When you spend more time on the road, you have more chances to get into an accident. But does a long commute affect auto insurance premiums? Some Read More…
