Author: James Shaffer

Getting Car Insurance Quotes Without Using Your SSN or Other Personal Info

Shopping for car insurance online should be simple—but it often isn’t. Many insurers demand pages of personal details and sometimes even your Social Security Number (SSN) before showing a single price. The good news: you can compare real auto insurance quotes without giving away highly sensitive information. With the right tools, you can see rates, […]

One Day Auto Insurance Explained

If you don’t own a car, it’s easy to overlook insurance when you rent a car or borrow one from a friend. But driving uninsured (even “just for a day”) can expose you to massive out-of-pocket costs after a crash—and it can create legal headaches fast. In the U.S., nearly every state requires drivers to […]

Cheap Auto Insurance for Elderly Drivers: How Seniors Can Save

Yes—older adults can often find affordable car insurance. Many senior drivers have strong advantages (decades of experience, stable driving habits, lower annual mileage), which can translate into good rates and solid discount eligibility. That said, some drivers see rates creep up later in life due to higher injury severity in crashes and certain age-related risk […]

How to Switch to a New Auto Insurance Provider

Thinking about switching car insurance companies? You’re not alone. Drivers change insurers all the time for better prices, improved service, or coverage that fits new life circumstances. The good news: switching is easier than most people think—and when done right, it can save you hundreds of dollars a year. Before you move your policy, it […]

Rental Car Insurance Explained

Rental car insurance is one of the most confusing parts of renting a vehicle—mostly because the “insurance” at the counter is really a menu of different coverages, some of which you may already have through your personal auto policy, your credit card, or your health/home coverage. This guide breaks down what rental companies sell, what […]

Prepare Your Car for Winter – Safe Winter Driving Tips

No matter what part of the country you live in, winter driving requires different habits than other times of the year. Even northern Florida experiences bridge icing on cold nights—creating dangerous “black ice.” The farther north you go, the more frequently you’ll encounter snow, ice, wind, and visibility challenges. Some of the primary dangers of […]

Auto Liability Insurance Explained

Auto liability insurance is the part of your car insurance policy that pays other people’s expenses after a crash you cause (or are found legally responsible for). If you rear-end someone, for example, liability coverage can help pay for their medical bills, car repairs, and certain legal costs—up to your policy limits. Because liability claims […]

Top 10 Gas Saving Apps

Gas prices are something that everyone tries to pay attention to on a regular basis. A small increase in the average gas price can definitely have a huge impact on your monthly budget, especially if you are someone who has to drive a relatively long distance just to go to and from work every day. […]

Buying Insurance – Getting The Right Kind of Balanced Insurance Policy Program

Buying insurance isn’t about getting the most coverage you can find—it’s about building a balanced insurance program that protects you from the losses you couldn’t reasonably pay out of pocket. The right balance usually means focusing first on catastrophic risks (major liability claims, a totaled car, a house fire, a serious illness), then filling in […]

Insurance and Risk Management – How to Reduce Insurance Costs by Reducing Risk

Insurance is a powerful financial safety net—but it’s also priced around risk. The fewer (and smaller) claims you’re likely to file, the more appealing you look to insurers, and the easier it usually is to qualify for better rates and discounts. This guide walks through a practical risk-management approach you can use to cut everyday […]

How Much Insurance Do You Really Need? Building Your Own Protection Plan

“How much insurance do I really need?” is easier to answer when you stop thinking in terms of “policies” and start thinking in terms of financial shocks. Your goal isn’t to insure every minor problem—it’s to build a protection plan that keeps one accident, illness, lawsuit, or disaster from derailing your finances. Use the framework […]

The Top 21 Cheapest Cars to Drive

Some cars are simply cheaper to own than others. While sticker price matters, long-term costs like maintenance, repairs, fuel economy, depreciation, and insurance have an even bigger impact on what you actually spend over the years. When shopping for a car, it’s important to consider the total cost of ownership—not just the MSRP. A vehicle […]

How To Buy Auto Insurance Online – A Step-By-Step Guide

Buying auto insurance online is usually faster (and often cheaper) than calling around—if you compare apples to apples. Start by gathering a few details, then pull several online car insurance quotes using the same drivers, vehicles, coverages, and deductibles. Once you do, it’s much easier to spot real value and avoid overpaying. Key Takeaways How […]

New York Traffic Tickets and Car Insurance: Points, Fines, and Rate Increases

Busy travel weekends in New York often come with heavier enforcement—more patrols, more stops, and more tickets. This guide explains how common violations can affect your NY car insurance, how the NY point system works, and what you can do to limit premium increases after a citation. Like many states, New York regularly increases traffic […]

How Dangerous Driving Can Cause Accidents

Most of us have experienced the familiar slowdown on the highway as traffic backs up behind a crash. We rarely imagine that we could be the ones involved—but many drivers engage in dangerous habits every day without realizing how risky they are. Unsafe driving behaviors are among the leading causes of serious accidents, injuries, and […]

Why Auto Insurance Is So Cheap In North Carolina

If you live in North Carolina, you enjoy some of the lowest auto insurance rates in the country. For years, national data has shown that NC drivers pay well below the U.S. average for full coverage. Safer roads, more rural driving, and unique state laws all work together to keep premiums down. Key Takeaways What […]

New Mexico Police Claim Smartphones Spread the Word About DUI Checkpoints

Whether you love it or hate it, technology is woven into almost every part of modern life. Smartphones, GPS, apps, and instant communication tools have become second nature—even to older generations who once found them intimidating. This shift hasn’t just changed how we talk to one another. It has also changed how drivers interact with […]

How Safe Driving Affects Everyone – And What Nebraska Is Doing About It

Lawmakers in Nebraska continue working to strengthen traffic safety laws in response to rising crash numbers and increasing roadway risks. Several proposed bills aim to reduce serious injuries and fatalities by tightening seat belt rules, expanding enforcement authority, and updating penalties for distracted driving. While some drivers may be resistant to stricter regulations, the goal […]

Most Expensive Places For Car Insurance – Insurance Rates Per State

When you think about what determines your auto insurance rates, the usual factors come to mind: the car you drive, how much you drive, your driving history, and (in many states) even your credit score. But there’s another factor that can be just as important as anything on your personal profile: where you live. State […]

Vermont Officials Urge Safe Driving: Key Safety Tips

With fatal crashes rising in recent years, Vermont officials are asking all drivers to seriously consider the safety of their driving habits. In 2024, the state recorded one of its highest fatal-crash totals in more than a decade. Officials are emphasizing three core behaviors that can save lives: slowing down, wearing seatbelts, and avoiding impaired […]

Top 9 Apps for Safe Driving

Since 1972, the number of traffic deaths has decreased due to stricter enforcement of the laws and improved driver training programs, but accidents still happen. In recent years, traffic fatalities have fluctuated, especially during and after the pandemic. New drivers continue taking to the road every day, and safety education must evolve to meet modern […]

Does Your Electric Car Need Different Insurance?

Over the past decade, electric vehicles (EVs) have gone from a niche product to a significant part of the auto market. Brands like Tesla, Ford, Hyundai, Rivian, and Chevrolet all offer fully electric options — and millions of drivers are making the switch. EVs promise lower emissions and reduced fuel costs, but they also come […]

Peer-to-Peer Car-Sharing and Its Effects on Auto Insurance

The idea of sharing rides or vehicles isn’t new—but digital technology has transformed it. With gas prices hovering around $3.50–$4.00 per gallon and sustainability top of mind, peer-to-peer (P2P) car-sharing has exploded in popularity. Instead of simply carpooling with coworkers, many drivers now rent out their personal vehicles through apps like Turo, Getaround, and Avail. […]