Joey Haddad

Comprehensive coverage is the only protection for natural disaster damage. Review coverage before storm season—insurers freeze changes once threats are named.

Classic car insurance uses agreed value and costs 30-50% less, but requires secure storage and limited mileage. Choose it for collectibles; use regular insurance for daily drivers.

When you lend your car, your insurance pays first, and your rates increase 20-30%, even if you weren't driving. Add anyone who drives more than once a month to your policy, or you risk denied claims and personal liability for damages exceeding your limits.

A speeding ticket costs more than just the fine. Drivers pay for it for years through elevated insurance premiums.

A DUI increases car insurance premiums 80-200%, but rates improve over 3-5 years with clean driving. Maintain continuous coverage, complete all SR-22 requirements, and re-shop at 1-year and 3-year milestones to find the lowest rates from high-risk specialists.

Your car insurance renewal arrives, showing your premium has nearly doubled.

Decide where the car lives, update garaging, and stack student discounts to keep strong coverage for college drivers while controlling premiums.

Seniors driving less can cut insurance 20-30% by updating mileage estimates, taking mature driver courses (5-10% off), and asking about senior discounts most insurers don't automatically apply.

Military members qualify for discounts, including deployed vehicle storage and PCS-friendly bundling.

Insuring a teen or college-aged driver costs thousands of dollars annually, but maintaining strong grades can cut that premium by hundreds.