# Knowledge Center --- ## Posts - [Can Dashcams Help You During an Insurance Claim? ](https://www.freeway.com/knowledge-center/auto/dashcams-insurance-claim-help/): Do dashcams help insurance claims? Learn how getting a dashcam can help you gather evidence and back up your case when making an insurance claim. - [Why Preventive Care Is Covered Under All Covered California Plans](https://www.freeway.com/knowledge-center/health-insurance/why-preventive-care-covered-ca/): Learn about preventive care and Covered CA, including what preventive care is, why it’s covered under the ACA, and how you can get certain services for free. - [What’s the Difference Between Home Insurance and a Home Warranty?](https://www.freeway.com/knowledge-center/homeowners-insurance/home-warranty-insurance-difference/): Explore the differences between home insurance vs. home warranty protection, including the definition of each and which plan you should get for your house. - [Ultimate Quick Guide to Save on Motorcycle Insurance This Summer](https://www.freeway.com/knowledge-center/motorcycle-insurance/ultimate-quick-guide-to-save-on-motorcycle-insurance-this-summer/): It feels like summer is here, and as the road beckons, it’s crucial to have the right insurance coverage in... - [Before You Roll: 7 Essential RV Coverage Tips ](https://www.freeway.com/knowledge-center/rv-insurance/before-you-roll-7-essential-rv-coverage-tips/): Summer is calling, and it’s time to hit the open road! There’s no better way to embrace the warm weather... - [The Top 5 Factors That Affect Your Home Insurance Premiums ](https://www.freeway.com/knowledge-center/homeowners-insurance/factors-affect-home-premiums/): Learn about some of the main home insurance cost factors that impact your premium, including location, coverage limits, and other details about your home. - [Do You Really Need Rental Car Reimbursement Coverage? ](https://www.freeway.com/knowledge-center/auto/rental-car-reimbursement-coverage-worth-it/): Learn what rental car reimbursement coverage is, how it works, and how to decide if you need rental reimbursement insurance for your vehicle. - [Spring Driving Hazards: How Pollen and Allergy Season Affect Your Driving ](https://www.freeway.com/knowledge-center/auto/spring-driving-hazards-pollen/): Learn why allergies and pollen are some of the biggest spring driving hazards, then explore strategies for minimizing their impact on your driving. - [Electric and Hybrid Cars — How Insurance Differs from Gas-Powered Vehicles ](https://www.freeway.com/knowledge-center/auto/ev-hybrid-difference-gas-powered/): Learn everything you need to know about electric vehicle insurance, including how coverage costs for hybrids and EVs compare to traditional gas cars. - [The Growing Threat of Hailstorms to Homeowners](https://www.freeway.com/knowledge-center/homeowners-insurance/homeowners-insurance-and-weather-damage/growing-threat-hailstorms/): Learn about the growing risk of hail and stormy weather, then discover how hail insurance can help you protect your home and keep repair costs low. - [How to Navigate the SR-22 Process and Save](https://www.freeway.com/knowledge-center/sr-22-insurance/how-to-navigate-the-sr-22-process-and-save/): If you’ve recently been required to file an SR-22, chances are you’re feeling a bit overwhelmed. But don’t let the... - [10 Useful Smartphone Apps For Drivers](https://www.freeway.com/knowledge-center/auto/10-useful-smartphone-apps-for-drivers/): Modern cars are equipped with all kinds of bells and whistles to improve your driving experience, but you can make... - [Does Eating Out Often Increase Your Odds of Getting Sick?](https://www.freeway.com/knowledge-center/health-insurance/does-eating-out-often-increase-your-odds-of-getting-sick/): Many people have gone out to eat at a favorite restaurant only to come down with an upset stomach hours... - [The Impact of Remote Work on Home Insurance Needs ](https://www.freeway.com/knowledge-center/homeowners-insurance/remote-work-insurance-needs/): Learn everything you need to know about remote work and home insurance, including how telecommuting impacts your coverage and how you can plan ahead. - [Can What Time You Drive Affect Your Car Insurance Rates?](https://www.freeway.com/knowledge-center/auto/can-what-time-you-drive-affect-your-car-insurance-rates/): You probably already know that a wide variety of factors impact your car insurance premium, from your age to your... - [Good News – Bad News About CT Scans and Effects on Your DNA](https://www.freeway.com/knowledge-center/health-insurance/good-news-bad-news-about-ct-scans-and-effects-on-your-dna/): Are you worried about the effect of CT scans and X-rays on your health? Freeway Insurance walks you through why these tests may be necessary and some alternatives. - [How Weather Events Can Impact Your Auto Insurance ](https://www.freeway.com/knowledge-center/auto/weather-events-impact-auto-insurance/): Learn everything you need to know about weather and auto insurance, including what kind of car insurance you need to get coverage for weather-related damage. - [How to Set Aside Money if You Have a High Deductible](https://www.freeway.com/knowledge-center/health-insurance/how-to-set-aside-money-if-you-have-a-high-deductible/): If you are taking advantage of a high deductible healthcare plan, you may need to set money aside for emergencies. - [Rideshare Insurance and Personal Auto Policies: How They Interact ](https://www.freeway.com/knowledge-center/rideshare-insurance/rideshare-and-personal-auto-interaction/): Explore the ins and outs of rideshare insurance as a driver for Uber or Lyft, including how it works with your personal and commercial auto insurance coverage. - [Save Big on Your Car Insurance This Summer: 5 Insider Secrets You Don’t Want to Miss ](https://www.freeway.com/knowledge-center/auto/save-big-on-your-car-insurance-this-summer-5-insider-secrets-you-dont-want-to-miss/): Tired of seeing your hard-earned money go towards high car insurance premiums instead of your summer vacation? As the season... - [Hitting the Road? Don’t Let a Breakdown Wreck Your Trip ](https://www.freeway.com/knowledge-center/auto/hitting-the-road-dont-let-a-breakdown-wreck-your-trip/): You’re packed. The playlist is ready. The open road is calling. But one flat tire or dead battery could turn... - [Mental Health Coverage in California Health Insurance Plans ](https://www.freeway.com/knowledge-center/health-insurance/mental-health-coverage-ca/): Learn everything you need to know about mental health coverage in California, including what your plan covers and how to keep your costs down. - [SR-22 Insurance: What You Need to Know Before Hitting the Road Again ](https://www.freeway.com/knowledge-center/sr-22-insurance/sr-22-insurance-what-you-need-to-know-before-hitting-the-road-again/): Need an SR-22 to get back on the road? It’s easier than you think. This certificate proves you have the... - [Leaving for Vacation? This Simple Step Could Save Your Home ](https://www.freeway.com/knowledge-center/homeowners-insurance/leaving-for-vacation-this-simple-step-could-save-your-home/): Planning a vacation? Before you pack your bags, take a few minutes to check your home or renters insurance. A... - [DWI vs DUI: What’s the Difference? ](https://www.freeway.com/knowledge-center/auto/difference-between-dwi-and-dui/): Learn the crucial differences between DWI vs DUI, including legal implications and how SR-22 insurance can affect your driving record. - [How to Jump-Start a Car (Safely!) ](https://www.freeway.com/knowledge-center/auto-club/roadside-assistence/jump-start-a-car-safely/): Learn how to jump-start a car with the right steps. Follow this guide to stay safe or skip the hassle with Freeway Auto Club’s roadside assistance. - [Road Trip This Spring? Make Sure You Have the Right Coverage](https://www.freeway.com/knowledge-center/auto/spring-road-trip-insurance/): As the weather warms up, it’s the perfect time for a road trip—whether you’re chasing sunsets, hiking in the mountains,... - [Renting with Pets? Why Skipping Renters Insurance Could Cost You Thousands](https://www.freeway.com/knowledge-center/renters-insurance/renting-with-pets/): If you have a pet and rent your home, renters insurance isn’t just a good idea—it’s essential. Even the most... - [Why Are California Auto Insurance Rates Increasing This Year?](https://www.freeway.com/knowledge-center/auto/california-increasing-rates/): Discover the reasons behind California’s minimum limit increase and what it can mean for your car insurance rates. - [8 Tips to Lower Your Gasoline Bill](https://www.freeway.com/knowledge-center/auto/auto-tips/8-tips-to-lower-your-gasoline-bill/): Does driving slower save gas? The answer may surprise you. Keep reading to find out what a savvy, gas-saving consumer like you can do to save money. - [How to Get Covered California Health Insurance After Open Enrollment Ends ](https://www.freeway.com/knowledge-center/health-insurance/covered-california-after-open-enrollment/): Explore ways to access Covered California health insurance after the open enrollment period. - [The Role of Age and Gender in Auto Insurance Rates ](https://www.freeway.com/knowledge-center/auto/age-gender-affect-auto-rates/): There are many factors affecting car insurance rates across the country, but few have as much impact as the age and gender of an insured driver. - [Employee Milestones: Time for Business Insurance? ](https://www.freeway.com/knowledge-center/business-insurance/how-many-employees-do-i-need/): Unsure of how many employees you need before business insurance becomes necessary? See our guide for everything you need to know. - [How To Change a Flat Tire in 6 Easy Steps ](https://www.freeway.com/knowledge-center/auto-club/how-to-change-a-flat-tire/): There are few things more frustrating than picking up a flat tire while driving. See our guide on how to change a flat tire in six easy steps. - [How Much Rent Can I Afford? ](https://www.freeway.com/knowledge-center/renters-insurance/how-much-rent-can-i-afford/): Looking for a new place? Learn more about the formulas that can show you how much rent you can afford. - [8 Events Where Roadside Assistance Membership Comes in Handy ](https://www.freeway.com/knowledge-center/auto-club/events-where-roadside-assistance-is-handy/): Discover when to use roadside assistance to get out of difficult situations on the road, ranging from running out of gas to getting stuck in the mud. - [Hosting a Safe and Fun Party at Home for the Big Game ](https://www.freeway.com/knowledge-center/homeowners-insurance/hosting-safe-fun-party-at-home-big-game/): Learn how to set your big game day party up for success and avoid homeowners insurance claims by implementing some basic home safety precautions. - [What Is Highway Hypnosis? And How to Avoid Falling Victim](https://www.freeway.com/knowledge-center/auto/what-is-highway-hypnosis/): Learn about the dangers of highway hypnosis and how it can impact you. Then, explore tactics for overcoming this sensation and staying safe while on the road. - [Should You Bundle Home and Auto Insurance? ](https://www.freeway.com/knowledge-center/auto/should-you-bundle-home-auto-insurance/): Learn whether you should bundle home and auto insurance by exploring how it saves you money and what other benefits you can get from bundling. - [Keeping Coverage Affordable: California Drivers Will See Auto Insurance Rate Increases in 2025](https://www.freeway.com/knowledge-center/auto/california-car-insurance-rate-hikes-2025/): As 2025 approaches, many California drivers will face another significant auto insurance rate increase. Learn more and how to find cheaper auto coverage. - [Why Regular Home Insurance Policy Reviews Are Essential ](https://www.freeway.com/knowledge-center/homeowners-insurance/essential-regular-home-insurance-policy-reviews/): Explore the importance of reviewing your home insurance policy periodically to make sure you have the right level of protection for your home, belongings, and beyond. - [Top Home Insurance Tips for New Homeowners in Snowy Climates ](https://www.freeway.com/knowledge-center/homeowners-insurance/snowy-climate-tips-new-homeowners/): Discover how to avoid damage to your home during the wintertime and keep your insurance costs low through helpful snow home maintenance tips. - [Telemedicine: The Future of Healthcare and What It Means for You ](https://www.freeway.com/knowledge-center/telemedicine/telemedicine-future-of-healthcare/): Discover how telemedicine is shaping the future of healthcare by making treatment more affordable, accessible, and convenient for people across the globe. - [Understanding the Affordable Care Act for Independent Contractors in California ](https://www.freeway.com/knowledge-center/health-insurance/aca-for-independent-contractors-ca/): Explore the basics of independent contractor health insurance, including how the ACA works for gig workers and what you can do to save on your coverage costs. - [Navigating Health Insurance Options for California DACA Recipients in 2024/2025 ](https://www.freeway.com/knowledge-center/health-insurance/health-insurance-for-california-daca-recipients/): Discover how a new federal rule has expanded DACA recipient health insurance and learn how the change could impact your coverage options - [The Evolution of Car Insurance: From Past to Present ](https://www.freeway.com/knowledge-center/auto/evolution-of-car-insurance/): Discover the evolution of car insurance history, from mandatory coverage to the current tech revolution reshaping how we protect our vehicles. - [How Homeowners Insurance Policies Handle Mold Damage ](https://www.freeway.com/knowledge-center/homeowners-insurance/understanding-homeowners-insurance/mold-damage/): Does homeowners insurance cover mold? Discover how insurers handle mold in different situations and learn how to protect yourself from expensive mold removal costs. - [Health Savings Accounts (HSAs): How They Work and Their Benefits ](https://www.freeway.com/knowledge-center/health-insurance/health-savings-account-explained/): Learn what a health savings account is, including its tax advantages, other key benefits, and key considerations to keep in mind. - [Does Car Insurance Cover Theft? ](https://www.freeway.com/knowledge-center/auto/does-car-insurance-cover-theft/): Does car insurance cover theft? Explore what type of policy you need and which situations are eligible for coverage when your car is stolen. - [Renting Out Your Home: What Homeowners Insurance Covers and What It Doesn’t ](https://www.freeway.com/knowledge-center/homeowners-insurance/renting-our-your-home-coverage/): Learn everything you need to know about renting out your home and insurance, including what kind of policy you need and what features to look out for. - [Why Did My Car Insurance Go Up? ](https://www.freeway.com/knowledge-center/auto/why-did-my-car-insurance-go-up/): Discover the answer to “Why did my car insurance go up?” by exploring various factors that influence your premium. - [Hurricane Preparedness – Helpful Tips Before and After the Storm](https://www.freeway.com/knowledge-center/homeowners-insurance/homeowners-insurance-and-weather-damage/hurricane-preparedness-tips-before-after-storm/): Learn helpful tips to help you prepare for hurricane season. If you need a free homeowners insurance quote, call Freeway Insurance now to speak to a live agent - [How Home Renovations and Upgrades Affect Your Homeowners Insurance ](https://www.freeway.com/knowledge-center/homeowners-insurance/home-renovations-upgrades-affect-on-insurance/): Learn the basics of home insurance and renovations, including how common renovation projects can increase or decrease your premium in different situations. - [2024-2025 Covered California Open Enrollment FAQ Guide ](https://www.freeway.com/knowledge-center/health-insurance/2024-2025-covered-california-open-enrollment-faq-guide/): We know you have questions about Covered California and Open Enrollment. We’ll answer your questions and help you sign up – for free. - [Are Short-Term Health Care Plans More Affordable? ](https://www.freeway.com/knowledge-center/health-insurance/is-short-term-health-care-more-affordable/): xplore the essentials of short-term health care plans, including the pros and cons when it comes to potential cost savings, coverage, and eligibility. - [Happy 65th Birthday – Now You’re Eligible to Sign Up For Medicare](https://www.freeway.com/knowledge-center/health-insurance/understanding-health-insurance/happy-65th-birthday-now-youre-eligible-to-sign-up-for-medicare/): Knowing how and when to sign up for Medicare is critical. If you miss the deadline, you could face penalties. Learn more. - [5 Things You Need to Know About Newborn Health Insurance ](https://www.freeway.com/knowledge-center/health-insurance/understanding-health-insurance/newborn-insurance/): Expecting a baby? Discover 5 key tips for securing newborn health insurance, including Medicaid, Medi-Cal, CHIP, and affordable coverage options. - [When Is Health Insurance Open Enrollment 2024? ](https://www.freeway.com/knowledge-center/health-insurance/when-is-health-insurance-open-enrollment/): When is open enrollment for health insurance? Find out the dates for 2024 and 2025 in this helpful guide to make sure you sign up on time. - [How Much House Can I Afford? ](https://www.freeway.com/knowledge-center/homeowners-insurance/tips-for-homeowners/how-much-house-can-i-afford/): How much house can I afford? is a common question as you start your home buying journey. We’ll help you break down key factors and plan a budget. - [Insuring Your Home in Tornado Alley ](https://www.freeway.com/knowledge-center/homeowners-insurance/insuring-tornado-alley-home/): . - freeway, cheap auto and health insurance - [Historic Homes and Homeowners Insurance: Covering Your Unique Home ](https://www.freeway.com/knowledge-center/homeowners-insurance/historic-home-coverage/): Learn everything you need to know about getting a historic home insurance plan that will help you preserve your historic property and keep it in great condition. - [Urgent Care or Emergency Room? Where To Go for Treatment ](https://www.freeway.com/knowledge-center/health-insurance/urgent-care-or-er/): Learn when to go to an urgent care vs. ER by exploring the types of care available at each facility and examining the financial considerations of each option. - [The Road to Affordable Healthcare: Navigating Your Insurance Options Beyond Medi-Cal or Medicaid ](https://www.freeway.com/knowledge-center/health-insurance/affordable-insurance-options-beyond-medi-cal-or-medicaid/): If you don’t qualify for Medicaid or Medi-Cal, use this guide to learn about California affordable health insurance options and how to find a cheap plan. - [What Is a Branded Title? And Should You Buy a Vehicle With One? ](https://www.freeway.com/knowledge-center/auto/what-is-a-branded-vehicle-title/): Learn the answers to "What is a branded title?" by exploring the potential risks of buying a branded car, and how to determine if a branded car is worth it. - [Navigating the World of Telematics Insurance: How Your Driving Habits Can Save You Money ](https://www.freeway.com/knowledge-center/auto/telematics-insurance/): Explore the world of telematics insurance programs and learn how driving safely can save you money on your insurance when you sign up. - [Tips for Staying Cool on Your Summer Road Trip ](https://www.freeway.com/knowledge-center/auto/staying-cool-on-your-summer-road-trip/): Prepare for your next summer road trip by exploring these tips on how to stay cool and keep your car from overheating while driving in high temperatures. - [Are Roof Replacements Covered by Homeowners Insurance? ](https://www.freeway.com/knowledge-center/homeowners-insurance/are-roof-replacements-covered-by-home-insurance/): Explore the ins and outs of roof replacement insurance, including how to get your roof repairs covered by your homeowners insurance. - [Protect Your Feline Friend: Understanding Pet Insurance and Cat-Friendly Plants ](https://www.freeway.com/knowledge-center/pet-insurance/cat-friendly-plants-pet-insurance/): Learn which cat-friendly plants you can keep in your home to protect your pet, and discover which houseplants you’ll need to avoid. - [Demystifying the Cost: Is It More Expensive To Insure a Foreign Car? ](https://www.freeway.com/knowledge-center/auto/is-insuring-a-foreign-car-more-expensive/): Is it more expensive to insure a foreign car? Explore this guide to discover the factors that can influence your premium. - [How Long Before I Have To Register My Car in My New State After a Move? ](https://www.freeway.com/knowledge-center/auto/registering-your-car-in-a-new-state/): Learn how long you can wait and how to register your vehicle after a move. Also, explore the consequences of missing the deadline and how to avoid them. - [Future Insured: How Self-Driving Cars Will Affect Insurance ](https://www.freeway.com/knowledge-center/auto/self-driving-cars-insurance-future/): How will self-driving cars affect insurance? Explore how the launch of driverless technology could change the insurance world. - [Paws & Seatbelts: A Guide to Safe Road Trips with Your Four-Legged Friends ](https://www.freeway.com/knowledge-center/auto/safe-pet-road-trip-guide/): Set yourself up for success when traveling with your dog by reviewing these tips for keeping your pets safe and comfortable on a long road trip. - [Why Every Driver Needs Uninsured Motorist Coverage ](https://www.freeway.com/knowledge-center/auto/uninsured-motorist-coverage/): Discover the ins and outs of uninsured motorist coverage, including how it works, its key benefits, and what to do if you get hit by an uninsured driver. - [Pizza, DoorDash, and Uber: How Rideshare Insurance Saves Your Gig Economy Hustle ](https://www.freeway.com/knowledge-center/rideshare-insurance/rideshare-insurance-gig-economy/): Explore the ins and outs of rideshare insurance to ensure you have all the coverage you need when driving in the gig economy. - [What Is Liability Auto Insurance? A Quick Guide for Drivers ](https://www.freeway.com/knowledge-center/auto/what-is-liability-auto-insurance/): Explore what liability insurance is, why you need it, how much it costs and other key considerations. - [What You Need to Know About Flood Zones Before Buying a House ](https://www.freeway.com/knowledge-center/homeowners-insurance/flood-zone-before-buying-a-house/): Learn how to identify if a prospective home is in a flood zone, explore common risks, and determine whether you need flood insurance for your property. - [How Moving Affects Your Auto and Homeowners Insurance Policies](https://www.freeway.com/knowledge-center/auto/how-moving-affects-your-auto-and-homeowners-insurance-policies/): Does moving affect insurance? Discover everything you need to know about keeping your auto and homeowners insurance up to date when moving to a new area. - [Finding the Right Health Insurance for Freelancers: A Comprehensive Guide ](https://www.freeway.com/knowledge-center/health-insurance/understanding-health-insurance/freelancer-health-insurance-basics/): Learn everything you need to know about freelancer health insurance, including requirements, options for added coverage, and key tax considerations. - [Protecting Your Belongings: The Importance of Inventory for Renters Insurance Claims ](https://www.freeway.com/knowledge-center/renters-insurance/what-is-renters-insurance-inventory/): Explore the importance of documenting an inventory of your possessions to help expedite the claims process for your renters insurance. - [Disaster Preparedness: How to Make Sure Your Homeowners Insurance Has You Covered](https://www.freeway.com/knowledge-center/homeowners-insurance/disaster-preparedness-how-to-make-sure-your-homeowners-insurance-has-you-covered/): Explore the ins and outs of natural disaster homeowners insurance to ensure you have the coverage you need in severe weather or other emergencies. - [How Spring Cleaning Can Prevent Homeowners Insurance Claims ](https://www.freeway.com/knowledge-center/homeowners-insurance/how-spring-cleaning-can-prevent-homeowners-insurance-claims/): When you think of homeowners insurance claims, you might jump to big, dramatic accidents such as a storm damaging your... - [Auto Insurance Switching Simplified: Find the Optimal Time to Change ](https://www.freeway.com/knowledge-center/auto/auto-insurance-switching-simplified-find-the-optimal-time-to-change/): Can you get lower car insurance by switching insurance companies? Discover the best time to change car insurance companies. - [Locate Your VIN: Tips to Find Your Car's ID Effortlessly ](https://www.freeway.com/knowledge-center/auto/locate-your-vin-tips-to-find-your-cars-id-effortlessly/): Where is the VIN number on a car? Learn the answer to this and other key questions about vehicle identification numbers in this in-depth guide. - [Do Student Driver Stickers Work?](https://www.freeway.com/knowledge-center/auto/do-student-driver-stickers-work/): Does it help other drivers when you place a student driver sticker on a car being used for training a new driver? - [Insurance Requirements When You Finance Your Car ](https://www.freeway.com/knowledge-center/auto/insurance-requirements-when-you-finance-your-car/): Thinking about financing a new or used vehicle? One thing to consider is how much your car insurance will cost.... - [Symptoms of Bad Spark Plugs](https://www.freeway.com/knowledge-center/auto/bad-spark-plug-symptoms/): Learn the telltale signs that it’s time to replace your spark plugs before it leads to greater issues. Keep your engine running smoothly and stretch your vehicle’s lifespan. - [How Bundling Insurance Can Help Save Money](https://www.freeway.com/knowledge-center/auto/how-bunding-insurance-can-help-save-money/): Save money and easily manage your coverage when you bundle your policies with Freeway Insurance. - [Cost of an Alternator Repair ](https://www.freeway.com/knowledge-center/auto/cost-of-an-alternator-repair/): Don’t let a bad alternator drain your wallet. Learn how to navigate repair costs and inspect the issue with tips from Freeway Insurance.  - [10 Bad Driving Habits & How to Fix Them](https://www.freeway.com/knowledge-center/auto/driving-safety/9-bad-driving-habits-avoid/): Avoid these bad driving habits that can put you and others at risk. Find out how to avoid common mistakes that can lead to accidents and tickets. - [The Facts about Health Insurance Open Enrollment in California](https://www.freeway.com/knowledge-center/health-insurance/enrolling-in-a-health-insurance-plan/health-insurance-open-enrollment-in-california/): Health Marketplace Open Enrollment in CA takes place Nov. 1– Jan. 31. If you miss it, you’ll be facing a tax penalty. Freeway Insurance walks you through finding affordable health insurance. - [Low-Deductible Health Insurance: Pros and Con](https://www.freeway.com/knowledge-center/health-insurance/low-deductibles-pros-and-cons/): You’re shopping for health insurance with the goal of getting the best coverage you can afford. Your life doesn’t include too many... - [Essential Car Tune-Up Checklist for Peak Performance](https://www.freeway.com/knowledge-center/auto/car-tune-up-checklist/): Enhance your car's performance with our essential tune-up checklist. Maximize your car's efficiency and longevity. - [How Much Do Vaccines Cost Without Insurance?](https://www.freeway.com/knowledge-center/health-insurance/understanding-health-insurance/how-much-do-vaccines-cost-without-insurance/): Learn how much do vaccines cost without insurance. Get insights into pricing details and affordable shot options to keep your health in check. - [Is Your Car Insurance Increasing in 2024? How You Can Save](https://www.freeway.com/knowledge-center/auto/buying-auto-insurance/auto-insurance-increase/): Is your car insurance premium increasing? Find out why and explore simple ways to cut costs without sacrificing coverage. - [California Car Seat Laws: What You Need to Know](https://www.freeway.com/knowledge-center/auto/knowledge-center-california-car-seat-law-what-you-need-to-know/): Read our essential guide to California car seat laws. Stay compliant and protect your kids of all ages on the road. - [Which Type of Car Engine? Gasoline, Diesel, Hybrid, or Electric](https://www.freeway.com/knowledge-center/auto/which-engine-is-best-gasoline-diesel-hybrid-or-electric/): Types of Cars Engines Let’s dive into the world of car engines and figure out what makes them tick! Have... - [What Healthcare Options Can Students Expect with Covered CA?](https://www.freeway.com/knowledge-center/health-insurance/what-healthcare-options-can-students-expect-with-covered-ca/): College students should not overlook their healthcare options, get all the information you need about Covered CA on Freeway's Knowledge Center - [No Health Insurance? Don’t Miss Covered CA Open Enrollment](https://www.freeway.com/knowledge-center/health-insurance/no-health-insurance-dont-miss-covered-ca-open-enrollment-2016/): Covered California Open Enrollment No health insurance? Don’t miss Covered CA Open Enrollment! If you or your family don’t have... - [Is Urgent Care Covered with Insurance?](https://www.freeway.com/knowledge-center/health-insurance/knowledge-center-is-urgent-care-covered-with-insurance/): Learn if urgent care is covered with insurance at our Knowledge Center. Get insights on coverage options and make informed decisions today. - [It’s Here! Medi-Cal Coverage for Autism Treatment](https://www.freeway.com/knowledge-center/health-insurance/its-here-medi-cal-coverage-for-autism-treatment/): Medicaid for Autism Treatment: It’s Here! In January 2014, the Centers for Medicare and Medicaid Services, CMS, said that people... - [7 Must See National Parks in Alabama ](https://www.freeway.com/knowledge-center/auto/national-parks-in-alabama/): Plan your next outdoor adventure with our list of seven camping spots located in the most beautiful national parks in Alabama. Immerse yourself in the heart of nature. --- # # Detailed Content ## Posts > Do dashcams help insurance claims? Learn how getting a dashcam can help you gather evidence and back up your case when making an insurance claim. - Published: 2025-07-08 - Modified: 2025-07-08 - URL: https://www.freeway.com/knowledge-center/auto/dashcams-insurance-claim-help/ Installing a camera on your dashboard can be a great way to get peace of mind while you’re on the road, but do dashcams help insurance claims? Modern dashcams are more than just cool pieces of tech; they could potentially make or break your next car insurance claim.   Dashboard cameras have become increasingly popular in recent years, and it’s clear to see why. Having a dash camera allows you to record your surroundings before, during, and after an accident, ultimately giving you a whole bunch of evidence if you ever get hit. Here’s a breakdown of the dashcam craze, including how they work when it comes to insurance and how to use them effectively.   How Dashcams Work and Why Drivers Use Them  Dashcams work by recording your surroundings from your car’s dashboard. Typically, they aim outwards, but some cameras also record the interior of the vehicle. Some people also set up cameras in different spots to capture other angles on the road, such as behind the car.   Some versions record continuously, while others turn on when they detect motion or another trigger. Regardless, people typically use them to gather additional evidence for their insurers or the police in the event of vandalism, theft, or a collision with another vehicle.   Can Dashcam Footage Help with Insurance Claims? Do dashcams help insurance claims? The footage from your car’s camera can absolutely help out with your insurance claim, as long as it helps prove that you aren’t at fault.... --- > Learn about preventive care and Covered CA, including what preventive care is, why it’s covered under the ACA, and how you can get certain services for free. - Published: 2025-06-23 - Modified: 2025-06-20 - URL: https://www.freeway.com/knowledge-center/health-insurance/why-preventive-care-covered-ca/ Did you know one in five Californians qualifies for free or very low cost health insurance? A health insurance plan helps you take advantage of preventive care options that can lower the risk of certain diseases and/or catch others before they become too serious.   Getting preventive care is an important step in staying healthy and avoiding costly healthcare expenses down the line. That’s why you can get preventive care through Covered CA, regardless of which plan you choose. If you’re concerned about whether or not your health insurance policy covers the routine healthcare you need as a California resident, read on to learn all about preventive care and Covered CA plans.   Understanding Preventive Care in Health Insurance  When reading about what your health insurance covers, you’ll probably encounter different categories of support and treatment. For example, plans will have different coverage for prescriptions, physical therapy, emergency and urgent care, and so on. “Preventive and wellness services” is an important category you should understand when signing up for your next policy.   What Is Preventive Care?   As the name implies, it refers to services and treatments that can help prevent future diseases. It usually includes things like screenings, vaccines, and check-ups for certain health conditions.   In the insurance world, preventive healthcare is one of the most common categories of coverage. Many insurers offer several screening services for very cheap or even for free if you go to an in-network doctor. Common examples include blood pressure screening, yearly... --- > Explore the differences between home insurance vs. home warranty protection, including the definition of each and which plan you should get for your house. - Published: 2025-06-16 - Modified: 2025-06-13 - URL: https://www.freeway.com/knowledge-center/homeowners-insurance/home-warranty-insurance-difference/ If you’re in the process of buying a new house or are simply thinking about getting more coverage for your property, you’ve probably heard about both home warranties and classic homeowners insurance. When it comes to home insurance vs. home warranty options, both offer important protection for your house. However, they provide completely different levels of coverage.   So what kind of policies should you get? If “Do I need both home insurance and a home warranty? ” has crossed your mind, explore this guide to get answers to that question and more about warranties and traditional insurance policies.   Unpacking the Basics of Home Warranties vs. Home Insurance  If you’re a first-time homebuyer trying to figure out the difference between home insurance vs. home warranty policies, it can help by breaking down each option.   Quick Definitions to Help You Understand Each Home warranties are extra plans you can purchase to cover the appliances and systems in your residence if they break down due to normal wear and tear. They typically cover major systems like plumbing, electrical, and HVAC, along with large appliances like your oven and fridge.   Meanwhile, home insurance covers your property when accidental damage occurs. It protects the structure of your dwelling, other structures on your property, and the belongings you keep in your house.   Why It’s Easy to Confuse the Two The idea of a warranty is pretty similar to a classic insurance policy. If you need to repair something, you can rely... --- - Published: 2025-06-10 - Modified: 2025-06-10 - URL: https://www.freeway.com/knowledge-center/rv-insurance/before-you-roll-7-essential-rv-coverage-tips/ Summer is calling, and it’s time to hit the open road! There’s no better way to embrace the warm weather than with a fun-filled RV trip to explore new horizons. Your summer road trip dreams deserve more than a patchy policy. Here's how to get your RV insurance ready for the ultimate summer road trip.   1. Give Your RV Insurance a Quick Check-Up  Take a moment to review your RV insurance policy. Not all insurance plans are created equal, and you want to make sure yours covers everything you need for your summer travels. Double-check that your policy includes coverage for both the RV and any trailer you're towing. Also, make sure it covers liability, comprehensive, and collision damage for unexpected situations. Your vacation may take you into new, unfamiliar territories, so you’ll want that extra peace of mind.   2. Don’t Leave Home Without Roadside Assistance  Imagine this: you're cruising down a scenic route when—bam! —flat tire. Or worse, your RV decides to break down in the middle of nowhere. Roadside assistance is your best friend on the open road, and it’s essential for any RV adventure. If your current policy doesn’t include it, consider adding it to your plan. It's usually affordable and will save you from feeling stranded. Towing, flat tire fixes, fuel delivery, and more—roadside assistance has your back.   3. Covered for RV Rentals? Double-Check!   Planning to rent an RV for your trip? Great choice! But before you sign on the dotted line,... --- - Published: 2025-06-10 - Modified: 2025-06-10 - URL: https://www.freeway.com/knowledge-center/motorcycle-insurance/ultimate-quick-guide-to-save-on-motorcycle-insurance-this-summer/ It feels like summer is here, and as the road beckons, it's crucial to have the right insurance coverage in place. To help you navigate the world of motorcycle insurance efficiently and save money along the way, we've compiled a concise guide filled with expert insights and techniques. Compare Quotes for the Best Deals Before you kickstart your summer adventures, take a moment to compare insurance quotes from different providers. Just like how you wouldn't settle for the first bike you see, don't settle for the first offer that comes your way. By shopping around and exploring multiple options, you can find competitive solutions tailored to your specific riding needs. Personalize Your Coverage Motorcycle insurance is required in the majority of states. A basic policy typically provides coverage for bodily injury and property damage liability to cover damages you may cause to third parties. However, if your motorcycle is financed or leased, you’ll likely need full insurance to protect your bike from theft, weather damage, and other risks. Other coverage options available for motorcyclists include:  Uninsured/Underinsured Motorist (UM/UIM): Designed to protect you in case of damages or injuries caused by an uninsured or underinsured driver.   Medical Payments: Provides coverage for your medical expenses and those of your passengers in case of an accident, up to the limits of your policy.   In either case, customizing your coverage according to your specific needs is crucial. Assessing your riding habits and lifestyle can assist you in determining the most suitable coverage... --- > Learn about some of the main home insurance cost factors that impact your premium, including location, coverage limits, and other details about your home. - Published: 2025-06-09 - Modified: 2025-06-06 - URL: https://www.freeway.com/knowledge-center/homeowners-insurance/factors-affect-home-premiums/ When it comes to insuring your house, your costs can vary wildly. There are many home insurance cost factors that can change the total cost of your policy. So, how much is homeowners insurance? Explore this guide to common factors that could impact your premium.   Why Home Insurance Premiums Vary So Much  The cost of your policy each month is one of the most important things to know as a first-time homeowner. So, what affects homeowners insurance rates and causes rates to vary? And what determines the cost of homeowners insurance? Ultimately, it comes down to risk. The more risky and expensive it would be to pay an insurance claim or replace your home, the more your premium will cost. Insurers use specific details that impact your personal risk level and, ultimately, the price of your policy.   1. Where You Live (Yes, ZIP Code Matters)  Your location is one of the greatest home insurance cost factors that impact your premium. This is because your zip code has an impact on everything from the average cost of living to risk levels for different natural disasters.   Similar houses in different neighborhoods of the same metropolitan area could actually have different premiums. This is because risk factors change depending on where you live, down to the specific zip code.   Geographic Influences and Risks  Certain areas are more prone to different kinds of damage than others. For example, properties in coastal towns will likely have a greater risk of damage... --- > Learn what rental car reimbursement coverage is, how it works, and how to decide if you need rental reimbursement insurance for your vehicle. - Published: 2025-06-02 - Modified: 2025-05-30 - URL: https://www.freeway.com/knowledge-center/auto/rental-car-reimbursement-coverage-worth-it/ When shopping for auto insurance, you may have come across a common add-on called rental car reimbursement coverage. This plan kicks in to help you cover a rental when your car is out of commission during a covered event. But is it really necessary? Ultimately, everyone has different insurance needs; rental reimbursement could be a game-changer for some drivers, while others may not need the extra coverage. This guide breaks down everything you need to know about rental car reimbursement protection, including how it works, when you need it, and whether or not it’s right for you.   What Is Rental Car Reimbursement Coverage?   So, what is rental coverage? Rental car reimbursement coverage is a type of insurance that will pay for your rental if your car is in the shop due to a covered event. Your policy will essentially pay for you to rent a vehicle for up to a certain number of days or a certain dollar amount. Some insurers will reimburse you after you pay, while others can work directly with local businesses so you don’t have to pay anything out of pocket.   Typically, most full coverage plans will include some sort of reimbursement for renting a car after an accident. However, you may need to purchase it as a separate type of optional auto insurance coverage, especially if you don’t have a full coverage policy already.   When It Applies (and When It Doesn’t)  Your insurance won’t simply pay for your rental whenever you... --- > Learn why allergies and pollen are some of the biggest spring driving hazards, then explore strategies for minimizing their impact on your driving. - Published: 2025-05-26 - Modified: 2025-05-26 - URL: https://www.freeway.com/knowledge-center/auto/spring-driving-hazards-pollen/ You’re probably already aware of certain spring driving hazards, such as heavy April showers causing floods and making the roads slicker. But did you know that the rise in pollen and springtime allergies can also be a huge concern? Along with getting the right auto insurance, learning how to handle allergens on the road is a key part of being a responsible driver and minimizing your risks behind the wheel. Exploring how pollen affects driving is one of the most important things you can do to stay safe on the road as flowers start blooming and bees start buzzing.   Pollen’s Power: More Than Just Sneezes and Sniffles  Anything that obstructs your vision or your focus can be dangerous when you’re on the road. That includes the watery eyes and sudden sneezes that occur when you have bad allergies. Plus, certain kinds of pollen can actually be a physical hazard by causing chalky, dusty buildup on your windshield. The worst part is that these risks can be quite subtle, and there are tons of ways to make your seasonal allergies worse, so you may not think twice before hopping in your car.   Symptoms of Allergies That Can Impact Driving Safety  Even if pollen isn’t actively visible, your symptoms can get pretty intense during allergy season. On a basic level, allergens can cause watery, swollen eyes that could obstruct your vision. If your eyes are constantly watering up due to an allergic reaction, you may not be able to see... --- > Learn everything you need to know about electric vehicle insurance, including how coverage costs for hybrids and EVs compare to traditional gas cars. - Published: 2025-05-19 - Modified: 2025-05-15 - URL: https://www.freeway.com/knowledge-center/auto/ev-hybrid-difference-gas-powered/ Your auto insurance is one of the major expenses involved with owning any type of car, whether it’s a high-tech hybrid or runs completely on gas or diesel. Hybrids and electric cars can have different coverage costs than gasoline vehicles, so it’s important to explore the ins and outs of electric vehicle insurance before you commit to buying an EV. Learning about how insurers look at EVs can help you make an informed decision about your next car while also keeping costs low.   The Insurance Landscape for Different Vehicle Types — EVs, Hybrids, and Gas  There are many factors that go into calculating your car’s premium, including the make, model, year, and engine type. Modern drivers can now choose from traditional gas engines, fully electric options, or hybrids that can use both gasoline and battery power. However, as these new options become more popular, the insurance landscape has started to transform.   Accounting for environmentally friendly vehicles is just another step in the evolution of car insurance. Just a few decades ago, the vast majority of cars had gas engines. While gas vehicles are still the most popular option today, electric and hybrid options are becoming much more widespread. Insurers have had to quickly learn how engine type impacts claim rates and average claim payouts.   If you’re considering which type of car engine to get and thinking about buying your first green vehicle, you probably have questions about how electric vehicle insurance works and how much it costs.... --- > Learn about the growing risk of hail and stormy weather, then discover how hail insurance can help you protect your home and keep repair costs low. - Published: 2025-05-12 - Modified: 2025-05-09 - URL: https://www.freeway.com/knowledge-center/homeowners-insurance/homeowners-insurance-and-weather-damage/growing-threat-hailstorms/ Between damaged roofs, broken windows, and cracked windshields, hail has always been a major concern for homeowners. Hail insurance provides a valuable safety net designed to limit the impact of these pesky storms. In recent years, however, inclement weather has become increasingly erratic, pushing traditional policies to their limits. So, what can you do to protect your property from frozen rain? And does homeowners insurance cover hail damage to help you pay for any damages? By learning about the impact of changing storm patterns in your area, you can plan ahead with your homeowners insurance to keep your property safe.   Overview of Hail Storms in the Current Climate  If you’ve noticed hailstorms on the rise in your area, you aren’t alone. With thousands of severe storms occurring in the United States each year, weather-related damage is becoming commonplace. Even if you don’t live in an area that’s usually at risk for inclement weather, that could start changing in the coming years.   If you live in a storm-heavy area, you’ll need to pay even closer attention to changing weather patterns. Along with more frequent freezing rain, you’ll also have to worry about hailstones getting larger and more damaging to your property.   When Hail Freezes Over: Unpacking the Increased Risks  Any kind of storm can cause potential damage to your property. People may not know how to drive safely in the rain, leading to more accidents on the road. Extreme wind can blow debris around, and excessive rain can... --- - Published: 2025-05-08 - Modified: 2025-06-16 - URL: https://www.freeway.com/knowledge-center/sr-22-insurance/how-to-navigate-the-sr-22-process-and-save/ If you’ve recently been required to file an SR-22, chances are you’re feeling a bit overwhelmed. But don’t let the process get the best of you—there are ways to make it easier and, most importantly, save money along the way.   An SR-22 is more than just paperwork; it’s a financial responsibility certificate that proves you’ve got the required insurance after a serious violation. While it may feel like an added burden, there are steps you can take to keep your costs in check without sacrificing coverage. Here’s how to navigate the SR-22 process like a pro—and save money in the process.   1. Shop Around for the Best SR-22 Rates Many drivers assume their current insurer is their best option, especially after an SR-22 is required. But here’s the truth: different insurance companies have different rates for SR-22 filings. You may be able to find a much better deal elsewhere. So, take the time to shop around. It’s not just about finding the lowest price—it’s about finding the best coverage that fits your situation.   2. Be Sure to Catch Hidden SR-22 Fees  Most insurers charge an additional fee to file the SR-22 on your behalf. This fee usually ranges from $15 to $50, but that doesn’t mean you should just accept it. Ask your insurance provider for a breakdown of the costs, and make sure you’re not paying more than necessary. Sometimes, switching providers can save you both on the SR-22 fee and your premium.   3. Keep... --- - Published: 2025-05-07 - Modified: 2025-05-07 - URL: https://www.freeway.com/knowledge-center/auto/10-useful-smartphone-apps-for-drivers/ Modern cars are equipped with all kinds of bells and whistles to improve your driving experience, but you can make it even better with the right driving apps. Along with your auto insurance, driver assistance apps can be some of the most helpful tools for keeping your ride safe and stress-free. If you have the right combination of tech tools on your phone, you can make every aspect of driving easier, from showing proof of insurance to finding gas stations to picking the best route. To help get you on the right track, here’s our list of the 10 best apps for drivers.   No. 1 Navigator: Waze — The Community-Driven GPS  App-based navigation has completely changed the way people drive. Just pop in your destination, and your GPS will work its magic to find you the best route. However, not all navigation apps are the same. Waze, a free app available for iPhone and Android, is revolutionizing navigation with its community-based features.   Waze lets users submit traffic data, road conditions, and more, so you can get real-time updates on your trip. You’ll be able to find the fastest, most efficient route to make your commute a breeze.   Fuel-Finding Champions: GasBuddy & PetrolPrices  Nothing is more frustrating than running out of gas on the road. It can be especially stressful when your tank is on E, and there’s no gas station in sight. Luckily, apps like GasBuddy can help you plan your gas stops ahead of time or... --- - Published: 2025-05-07 - Modified: 2025-05-07 - URL: https://www.freeway.com/knowledge-center/health-insurance/does-eating-out-often-increase-your-odds-of-getting-sick/ Many people have gone out to eat at a favorite restaurant only to come down with an upset stomach hours later. But does eating out cause illness, and should you be concerned? Many factors can impact food safety, and those factors are often out of your control when you go to a sit-down restaurant or even grab a burger in the drive-thru.   Along with having good health insurance, eating well is one of the best ways to reduce the chance of getting sick. If you love to eat out, it’s important to know whether your dietary habits could put your health at risk. This guide breaks down what you need to know about restaurant safety and your health.   The Delight and Dilemma of Eating Out  Eating out is an enjoyable pastime for many people. Going to a favorite restaurant is a go-to activity for celebrating a birthday, having a date night, or getting together with friends. In fact, 29% of Americans eat out at least once a week, making restaurant food a dietary staple for many people. Going to a restaurant is convenient and fun and takes the stress away from planning, shopping for, preparing and cleaning up after a meal. But is eating out unhealthy due to hygiene? Could it also introduce unexpected risks?   Some studies show that eating out could actually increase your risk of foodborne illness, also known as food poisoning. That could lead to increased health insurance claims and doctors’ bills. However, it... --- > Learn everything you need to know about remote work and home insurance, including how telecommuting impacts your coverage and how you can plan ahead. - Published: 2025-05-05 - Modified: 2025-05-02 - URL: https://www.freeway.com/knowledge-center/homeowners-insurance/remote-work-insurance-needs/ Your home policy is designed to protect you from the unexpected liabilities and costs that could be associated with being a homeowner, but those liabilities can be a bit different when your house doubles as your office. With work-from-home (WFH) arrangements on the rise around the globe, it’s critical for homeowners to understand the relationship between remote work and home insurance.   If you work from your house, you may not have even considered that doing business out of your house could impact your policy. However, standard policies may only cover certain aspects of telecommuting, and you don’t want to be left in the lurch if you have to file a claim. Whether you operate a business out of your house or are simply starting a new remote job, exploring a few WFH homeowners insurance basics is the best way to get the protection you need.   The Rise of Remote Work and Its Impact on Insurance Needs  Modern technology has made it possible for many companies to offer telecommuting as an alternative to working in the office. WFH situations have skyrocketed in recent years, with many people working remotely some or all of the time. While telecommuting can be appealing for both employers and employees, it has introduced some unexpected challenges when it comes to remote work and home insurance.   Many employers have business coverage that will help cover remote employees in certain situations. However, in other situations, the worker and homeowner will need their own coverage.  ... --- - Published: 2025-05-01 - Modified: 2025-05-01 - URL: https://www.freeway.com/knowledge-center/auto/can-what-time-you-drive-affect-your-car-insurance-rates/ You probably already know that a wide variety of factors impact your car insurance premium, from your age to your driving history. But does what time you drive affect car insurance rates?   Your overall risk level as a driver impacts your monthly coverage costs, and being on the road during certain times of day (or year) can involve a higher risk of getting into an accident. While being behind the wheel during high-risk periods won’t always mean a rate increase, it’s important to understand how your commuting habits could impact your rates.   Car Insurance Premiums & Drive Time: When Timing Matters  When you first sign up for your car insurance policy, you’ll probably have to share some information about your habits. Your insurer might not directly ask about what times of day you’re on the road. However, they may ask about details like how many miles you drive per year and the length of your commute.   More and more car insurance companies are now using telematics programs, which actively gather data about your driving habits to calculate your risk level. This includes details like how hard you brake and how often you drive over the posted speed limit, alongside the timing of your drives. As a result, you could see higher premiums if you frequently drive during high-risk time periods.   Rush Hour Revelations: The Impact of Drive Times on Premiums  Does commuting affect car insurance rates? The answer is yes. Not only can rush hour driving... --- > Are you worried about the effect of CT scans and X-rays on your health? Freeway Insurance walks you through why these tests may be necessary and some alternatives. - Published: 2025-05-01 - Modified: 2025-05-06 - URL: https://www.freeway.com/knowledge-center/health-insurance/good-news-bad-news-about-ct-scans-and-effects-on-your-dna/ Getting CT scans can be instrumental in taking care of your health and diagnosing issues before they become more serious. After getting the test approved by their health insurance, many people head in to get imaging done without a second thought. However, these scans could have side effects of which you aren’t aware. Before you decide to get a CT scan, it’s important to be aware of both the benefits and the risks. Even if it isn’t anything to worry about, it’s still good to know exactly what’s happening to your body when you go in for imaging. That way, you can make an informed decision about what diagnostic tools make the most sense for your situation.   Exploring the Mechanics Behind CT Imaging  A computed tomography scan, or a CT scan, is a type of medical imaging that uses X-ray wavelengths to visualize cross-sections of your body. You may have also heard it referred to as a CAT scan. Medical professionals can use these images to identify tumors, detect fractures, diagnose heart disease, and more. You can get CTs done at testing centers or at an urgent care or ER if you have an emergency.   Computed tomography machines work by taking multiple X-rays while rotating around you, capturing cross-sections of your body. Medical professionals can use the 2D images or combine them into a 3D image that provides even more information about your internal tissues, organs, and bones. CTs provide more detailed information than traditional X-rays, and they... --- > Learn everything you need to know about weather and auto insurance, including what kind of car insurance you need to get coverage for weather-related damage. - Published: 2025-04-29 - Modified: 2025-04-29 - URL: https://www.freeway.com/knowledge-center/auto/weather-events-impact-auto-insurance/ When you think about your car insurance, you probably focus on how your policy can protect you from collisions and accidents. However, other drivers aren’t the only thing you need to worry about; it’s also important to consider how weather and auto insurance interact. Inclement weather can do all kinds of damage to your vehicle, from hail dents to damage from flying debris to flooding. Understanding common risks in your area can help you find an auto insurance plan that can take care of this unexpected damage.   The Sky-High Cost of Weather’s Fury on Vehicles  High winds, heavy rains, and extreme temperatures can wreak havoc on your property, including your car. Hail and flying debris can bang up your car’s exterior pretty badly, while floods and fires can easily total your vehicle. Because these repairs can quickly add up, it’s important to select an insurance plan that will give you sufficient coverage.   Extreme Weather Wheels: Understanding Your Auto Insurance Coverage  Does car insurance cover natural disasters? When it comes to weather and auto insurance, damages are typically covered by comprehensive coverage, which handles claims unrelated to a collision with another driver. That means if Mother Nature strikes, you’ll only have to worry about your deductible. However, different perils can be more prominent in different areas of the country, so it can be helpful to break down various types of natural disasters to ensure you’re fully covered.   When Hail Strikes: Does Your Policy Offer Shelter?   Does car... --- > If you are taking advantage of a high deductible healthcare plan, you may need to set money aside for emergencies. - Published: 2025-04-17 - Modified: 2025-04-11 - URL: https://www.freeway.com/knowledge-center/health-insurance/how-to-set-aside-money-if-you-have-a-high-deductible/ Your deductible is one of the key factors you need to know when budgeting for your health costs each year. While a high deductible health plan, or HDHP, can help keep your monthly premiums low, it can put a major strain on your pockets when health expenses do pop up. However, there are ways to plan ahead and set money aside to make sure that your high deductible health plan works for you and your family.   What Constitutes a High Deductible Health Plan?   So, what exactly is a high deductible health plan? As you might have guessed, these plans have a higher deductible than average, but they also come with certain benefits to offset their costs.   According to the IRS rules for 2025, HDHPs need to have deductibles of at least $1,650 for individual policies and $3,300 for family policies. They also need out-of-pocket maximums of $8,300 for individuals and $16,600 for families.   Key Advantages of Enrolling in an HDHP  Although having a large deductible can sound a bit daunting, it actually has a few key benefits. Namely, larger deductibles usually come with lower premiums. They can help you keep health care costs low by reducing your monthly premium. If you only need basic care with standard co-pays, compared to more involved and expensive services, HDHPs can help you save. You’ll still have insurance in place if you end up having a serious health expense, but you won’t have to deal with a high monthly premium.... --- > Explore the ins and outs of rideshare insurance as a driver for Uber or Lyft, including how it works with your personal and commercial auto insurance coverage. - Published: 2025-04-14 - Modified: 2025-04-11 - URL: https://www.freeway.com/knowledge-center/rideshare-insurance/rideshare-and-personal-auto-interaction/ Driving for apps like Uber and Lyft can be a great way to earn some extra cash or even make a full-time income, but it can also make your auto policy a bit more complicated. Rideshare insurance is designed to simplify the process and ensure you’re always covered, whether you’re using your car for personal reasons or making money on apps like Uber and Lyft. Making sure you have the right coverage before you start ridesharing is the best way to avoid unexpected costs and keep your liabilities low.   When Your Car Doubles as Your Office: The Insurance Implications  You may already know that commercial vehicles need a different type of insurance than personal vehicles. When you own a business, you’re taking on more liability than the average person, so you need to understand how commercial auto insurance works to cover any work cars or trucks.   But what if you occasionally use your personal vehicle for business purposes? Does your car insurance cover your rideshare gig? The answer is, whenever you use your own car for driving gigs, it essentially becomes a commercial vehicle, which means you might need to upgrade your policy.   Most types of individual plans won’t cover your car while you’re using it for business purposes. If you get into an accident while you’re clocked in on a ridesharing app, your individual policy could potentially deny your claim. As a result, you could be on the hook for repairs to your car and other... --- - Published: 2025-04-10 - Modified: 2025-04-24 - URL: https://www.freeway.com/knowledge-center/auto/hitting-the-road-dont-let-a-breakdown-wreck-your-trip/ You’re packed. The playlist is ready. The open road is calling. But one flat tire or dead battery could turn your dream road trip into a nightmare.   Before you shift into drive, make sure your car – and your plan – are road-trip ready. In this guide, you’ll find the essential checklist for keeping your adventure smooth, safe, and stress-free – from must-do maintenance and smart insurance tips to what to pack in case things go sideways.   Don’t wait for a breakdown to figure out what you should’ve done. Here’s everything you need to know to protect your trip – and your peace of mind.   The Perfect Road Trip Checklist  Whether you are the type of person that plans everything down to the smallest detail or someone who likes to be more spur-of-the-moment, some things should not be left to chance. That includes getting your vehicle ready for the road and having a plan in case something happens. Vehicle Maintenance: The Unsung Hero of a Great Trip  You depend on your vehicle to get you where you need to go, so it’s important to follow a regular maintenance schedule to keep it running in top shape. You should have a schedule handy in your owner’s manual. It is suggested to follow a regular schedule of changing the oil, filters and other components to keep your car running smoothly. Before a long road trip, it’s a good idea to check your tires, fluids and battery to make sure... --- - Published: 2025-04-10 - Modified: 2025-04-24 - URL: https://www.freeway.com/knowledge-center/auto/save-big-on-your-car-insurance-this-summer-5-insider-secrets-you-dont-want-to-miss/ Tired of seeing your hard-earned money go towards high car insurance premiums instead of your summer vacation? As the season of road trips and getaways approaches, it's the perfect time to take a look at your policy and see where you could be saving. With these five insider secrets, you can lower your premiums and keep more cash for the adventures that matter most—your vacation plans! 1. Maximize Savings with a Multi-Car Discount  If your household owns more than one car, it’s time to take advantage of the multi-car discount. Bundling your vehicles under a single policy can save you 10-25%. It’s one of the quickest and easiest ways to lower your monthly insurance costs while maintaining complete coverage for each vehicle. 2. Unlock Extra Savings with an Auto Club Membership  Are you a member of Freeway Auto Club? Joining offers many benefits, including access to valuable perks like roadside assistance, travel discounts, and exclusive deals. It’s an easy way to add more value to your insurance policy.   3. Drive Safely and Watch Your Rates Drop  A clean driving record can result in major savings on your car insurance premiums. Many insurers offer discounts for safe driving, and if you’re driving less than usual, you could qualify for even more savings. Keep your driving habits in check and enjoy lower rates year-round.   4. Increase Your Deductible for Immediate Savings  Raising your deductible is a simple way to reduce your premium. While this may not be ideal for everyone,... --- > Learn everything you need to know about mental health coverage in California, including what your plan covers and how to keep your costs down. - Published: 2025-04-07 - Modified: 2025-04-10 - URL: https://www.freeway.com/knowledge-center/health-insurance/mental-health-coverage-ca/ If you want to take care of your emotional well-being, having an insurance plan that covers mental health services can make a huge difference. If you’re interested in therapy, counseling, or behavioral support, you’re probably wondering what kind of mental health coverage in California is right for you. This guide breaks down the mental health support available in California, what kinds of benefits to look for, and how to find a health insurance plan that works with your budget.   Unraveling California’s Mental Health Coverage  Is therapy covered by health insurance? And is mental health covered in California? It depends, but many plans do include therapy and counseling. Thanks to the Affordable Care Act (ACA), all insurance plans on the federal and state healthcare marketplaces are required to cover basic behavioral and psychological treatment.   However, supplementary and short-term policy care plans that aren’t restricted by the ACA may not offer therapy. If you want a plan that will definitely cover mental and behavioral care, state and federal plans are the best place to start.   If you don’t get your insurance through an employer or a non-ACA provider, you have two main options for coverage: Covered California and Medi-Cal.   Demystifying Covered California Plans  Covered California is the name for California’s state-managed insurance marketplace. All of these plans have to include certain essential benefits — luckily, that includes mental support. The ACA stipulates that marketplace plans need to offer coverage for psychological wellness, substance use disorder, and behavioral health... --- - Published: 2025-04-03 - Modified: 2025-04-03 - URL: https://www.freeway.com/knowledge-center/homeowners-insurance/leaving-for-vacation-this-simple-step-could-save-your-home/ Planning a vacation? Before you pack your bags, take a few minutes to check your home or renters insurance. A quick call to your provider could mean the difference between a smooth return and a costly disaster. In this article, we’ll show you why it’s essential—and how to make sure you're covered before you leave.   What Threats Does Your Home Face While You’re Away?   An empty home is an open invitation for trouble. Whether you own or rent, leaving your place unattended increases the risk of:  Break-ins & theft – Burglars are always on the lookout for unoccupied homes. Leaks & flooding – A burst pipe or a leak from your upstairs neighbor could ruin your furniture. Fire hazards – Faulty wiring or an appliance failure could spark a fire. Imagine coming home to stolen valuables, water damage, or worse. The right insurance coverage helps you recover quickly—without draining your wallet. Tip: Keep an updated inventory of your belongings so filing a claim is fast and hassle-free.   Simple Steps to Protect Your Home Before You Leave  No one wants to come back from vacation to a disaster. Before you go, take these precautions to keep your home safe and sound.   Set Your Thermostat Smartly – Keep it around 78°F to prevent mold and discourage pests without running up your energy bill. Unplug Electronics – Not only does this reduce fire risks, but it also saves on electricity while you're away. Tidy Up – Take out the... --- - Published: 2025-04-03 - Modified: 2025-04-03 - URL: https://www.freeway.com/knowledge-center/sr-22-insurance/sr-22-insurance-what-you-need-to-know-before-hitting-the-road-again/ Need an SR-22 to get back on the road? It’s easier than you think. This certificate proves you have the right insurance, and we’re here to make the process smooth and stress-free. In this guide, we’ll break down what an SR-22 is, why you might need one, and how to find affordable coverage to get you back behind the wheel.   Wait ... What Exactly is SR-22 Insurance?   First things first: An SR-22 is not an insurance policy. It’s a form—officially called a Certificate of Financial Responsibility—that proves you have the state-required minimum liability coverage.   If the DMV is asking for an SR-22, it’s usually because of a major driving violation or multiple minor offenses in a short period of time (more on that in a second).   Not all states require an SR-22. If you live in Kentucky, Minnesota, or New Mexico, you’re off the hook. But if you’re in Florida, you might need an FR-44 instead—a stricter version for DUI-related offenses.   While the specifics may vary by state, the SR-22 essentially proves to the DMV that you have continuous coverage, are following the rules and deserve to be back on the road. Why Do You Need an SR-22?   If the state is requiring you to carry an SR-22, it means you’ve been flagged as a high-risk driver. Common reasons include:  Too many traffic violations in a short period of time Driving without insurance (big mistake, huge consequences) Driving without a valid license DUI/DWI offenses... --- > Learn the crucial differences between DWI vs DUI, including legal implications and how SR-22 insurance can affect your driving record. - Published: 2025-03-24 - Modified: 2025-05-16 - URL: https://www.freeway.com/knowledge-center/auto/difference-between-dwi-and-dui/ If you've ever been pulled over for suspicion of impaired driving, you've probably heard the terms DWI or DUI. Driving While Intoxicated (DWI) and Driving Under the Influence (DUI) are sometimes used interchangeably but have distinct differences and implications for insurance rates and legal consequences. Freeway Insurance provides guidance on how states handle these offenses and how affordable SR-22 insurance can help high-risk drivers regain coverage. Defining DUI and DWI: A Primer  The terms DWI and DUI have different legal definitions depending on the state. Understanding these distinctions helps clarify how each offense is treated under the law.   Driving While Intoxicated (DWI) usually refers specifically to operating a vehicle while under the influence of alcohol. It is a more narrowly defined charge in many states compared to DUI, which can include both alcohol and drugs.   Driving Under the Influence (DUI) typically refers to being impaired by alcohol or drugs (including prescription medication) while operating a vehicle. DUI offenses can also involve a broader range of substances that can impair a person's ability to drive safely.   Though these terms seem interchangeable, the differences lie in how each state applies these charges. The key difference often lies in the specific legal language used in statutes and the level of impairment required to meet the thresholds for each offense.   Statutory Amendments and New Mandates  In recent years, some states have amended their DUI and DWI laws to reflect the increasing awareness of impaired driving due to substances beyond alcohol—particularly... --- > Learn how to jump-start a car with the right steps. Follow this guide to stay safe or skip the hassle with Freeway Auto Club’s roadside assistance. - Published: 2025-03-17 - Modified: 2025-03-15 - URL: https://www.freeway.com/knowledge-center/auto-club/roadside-assistence/jump-start-a-car-safely/ A dead car battery is never a welcomed surprise. Whether you're rushing to work or stranded in a parking lot, it always seems to happen at the worst time. The good news is that knowing how to jump-start a car safely can get you back on the road quickly. If you’re unsure about the process, Freeway Auto Club offers roadside assistance to get you back on the road quickly and safely. While jump-starting a car is straightforward, taking the right precautions ensures a safe and successful start. The next section details the process, helping you avoid common mistakes and potential hazards.   Safety First: Jump-Starting Without the Jitters  Before popping the hood to jump-start a car, take a moment to assess your surroundings. Park on level ground, engage the parking brake, and turn off the ignition. If you're on the roadside, switch on your hazard lights to alert other drivers. Wearing safety gloves and glasses isn’t required, but it’s a good precaution. Electricity and metal demand careful handling, and car batteries contain sulfuric acid, which can be harmful if it contacts your skin or eyes.   Here are a few ground rules:  Avoid Flames and Sparks. Keep cigarettes, open flames, and other ignition sources away from the battery. It can release hydrogen gas, which is highly flammable. Keep Metal Objects Away. Tools, jewelry, or anything metallic should be kept clear of the battery. Check for Unusual Odors. A rotten egg smell could signal a sulfuric acid leak. If you notice... --- - Published: 2025-03-12 - Modified: 2025-03-13 - URL: https://www.freeway.com/knowledge-center/renters-insurance/renting-with-pets/ If you have a pet and rent your home, renters insurance isn’t just a good idea—it’s essential. Even the most well-behaved pets can cause unexpected damage or, worse, lead to costly legal trouble. Without the right coverage, you could be on the hook for thousands of dollars in repairs, medical bills, or even lawsuits. Let’s break down why pet owners need renters insurance and how it can protect you from financial headaches. Pet Damage: Are You Covered? You love your furry friend, but accidents happen. Renters insurance provides property damage liability, which helps cover the cost if your pet damages someone else's property. Imagine your dog dashes out the door and tears up a neighbor’s flowerbed or scratches up the hardwood floors—without insurance, those repairs come out of your pocket. Even more importantly, renters insurance includes liability coverage for injuries. If your pet bites a guest, a neighbor, or even another pet, you could be responsible for medical bills, legal fees, or settlement costs. Without coverage, a single incident could put your finances at serious risk. Renters Insurance vs. Pet Insurance: What’s the Difference? Renters insurance and pet insurance serve completely different purposes—if you’re renting with pets, you’ll likely need both. Renters insurance covers damage or injuries your pet causes to others, protecting you from costly liability claims. Pet insurance helps pay for your pet’s medical expenses, such as vet visits, medications, or surgeries. More Than Just Pet Protection While renters insurance is a must for pet owners, its benefits... --- - Published: 2025-03-12 - Modified: 2025-03-12 - URL: https://www.freeway.com/knowledge-center/auto/spring-road-trip-insurance/ As the weather warms up, it’s the perfect time for a road trip—whether you’re chasing sunsets, hiking in the mountains, or exploring a new city. But before you rev up the engine, take a few minutes to make sure your car—and your insurance—are road-trip ready. A little preparation now can save you from major headaches (and expenses) later. 1. Check Your Coverage Before You Go Do you have enough coverage? If you only carry liability insurance, you’ll be out of luck if your own car is damaged. Consider adding collision coverage if you don’t already have it. And if you're renting a car for your trip, check whether your policy extends to rental vehicles—otherwise, you may need extra coverage. 2. Comprehensive Insurance = Peace of Mind Even when you're not driving, your car is at risk. Comprehensive insurance covers theft, vandalism, and weather damage—essential protection if you’re parking in unfamiliar places. It’s especially worth considering if your road trip takes you through storm-prone areas. 3. Pre-Trip Maintenance Can Prevent Costly Issues A well-maintained car is a safer car. Check your tires, brakes, battery, and fluids before hitting the road to avoid breakdowns that could leave you stranded. Not only does this reduce the risk of accidents, but it also keeps you from racking up roadside repair costs. 4. Make Sure You Have Roadside Assistance Flat tire? Dead battery? Locked out? A roadside assistance plan can be a trip-saver. Many auto insurance policies offer this as an add-on, or you can... --- > Discover the reasons behind California’s minimum limit increase and what it can mean for your car insurance rates. - Published: 2025-03-10 - Modified: 2025-03-07 - URL: https://www.freeway.com/knowledge-center/auto/california-increasing-rates/ Car insurance premiums often rise with each renewal, but California auto insurance rates have surged in 2025 due to legislative changes that raised minimum liability insurance limits. These new requirements took effect on January 1, prompting widespread adjustments in premiums. As a result, many drivers are now searching for affordable car insurance to offset rising costs and reassess their coverage options.   Are you wondering how to navigate these changes? In the following guide, we’ll explain the reasons behind California’s minimum limit increase and explore ways to find coverage that fits your budget.   The 2025 Hike in California Auto Insurance Premiums  California has seen a noticeable shift in insurance rates, reflecting trends observed across the United States in recent years. While annual rate increases are often influenced by personal factors such as driving history and claims, broader issues are also driving up costs.   While it's understandable that consumers may encounter annual rate increases shaped by personal factors such as individual driving records and claims history, several other larger issues are also at play. These include the rising costs of vehicle repairs due to complex automotive technology and the increasing frequency and severity of weather-related disasters. California’s high cost of living further compounds these pressures, making it harder for many residents to absorb rising premiums.   With the new minimum coverage requirements in effect as of January 1, 2025, drivers will need to allocate more of their budgets to insurance. These car insurance rate hikes could lead to increases... --- > Does driving slower save gas? The answer may surprise you. Keep reading to find out what a savvy, gas-saving consumer like you can do to save money. - Published: 2025-03-06 - Modified: 2025-03-06 - URL: https://www.freeway.com/knowledge-center/auto/auto-tips/8-tips-to-lower-your-gasoline-bill/ With gasoline prices continuously on the rise, you may be looking for ways to lower your fuel bill. Does driving slower save gas? How do tires play a role? The answers to these questions and more may surprise you. Keep reading to find out what a savvy consumer like you can do to save money in today’s inflationary environment. 1. How to Find the Best Gas Prices Driving an extra 15 miles to save 5 cents on a gallon of gas doesn’t make sense. Instead, download a phone app like GasBuddy, Gas Guru or something similar so you’ll know if there is any discounted fuel near you. You may be a few miles from home or on a trip, but it never hurts to check for some low-cost gas nearby. And when you do get to your cheapest fuel station, understanding the difference between premium and regular gasoline can save you money. 2. Why Speed Matters It’s simply a matter of aerodynamics! Excessive speed causes air resistance your vehicle has to fight against – plus your tires cause a drag on the pavement, not to mention the expense of a ticket if you get busted by that policeman with his radar gun. Your car uses more energy (gas) when it has to work against these conditions. If you go too slow, you are just spending more time with the engine running and using gas. Steady speeds and smooth starts and stops are your best bets. 3. Stop Using Your Car... --- > Explore ways to access Covered California health insurance after the open enrollment period. - Published: 2025-03-03 - Modified: 2025-02-28 - URL: https://www.freeway.com/knowledge-center/health-insurance/covered-california-after-open-enrollment/ Millions of Californians rely on Covered California during the open enrollment period to secure health insurance. This specific time frame usually runs from early November to mid-January, making it critical for individuals and families to thoroughly assess their healthcare needs. During this period, you can either change your current health plan or sign up for one that better matches your needs. Plus, you may be eligible for free healthcare – 1 in 5 Californians is eligible.   However, missing the enrollment deadline may leave you without coverage for the rest of the year, leading to high medical costs and limited access to care. Staying informed about your options and acting quickly can help you avoid these challenges.   This guide explains how you can still get Covered California health insurance even after open enrollment has closed.   Navigating Covered California Post-Enrollment  In specific situations, you may be eligible to enroll in a health plan outside of the standard Covered California open enrollment period by qualifying for a Special Enrollment Period (SEP).   Understanding Special Enrollment Periods (SEP)  The annual Open Enrollment Period (OEP) for health insurance runs from November 1 to January 15 each year. This is the designated time frame for individuals and families to review various health insurance plans and enroll in coverage. Depending on when you enroll, your coverage can begin as early as January 1 or as late as February 1, allowing you to select a plan that best meets your healthcare needs. But what if... --- > There are many factors affecting car insurance rates across the country, but few have as much impact as the age and gender of an insured driver. - Published: 2025-02-24 - Modified: 2025-02-21 - URL: https://www.freeway.com/knowledge-center/auto/age-gender-affect-auto-rates/ Ever wondered why your car insurance rate doesn’t look the same as your neighbor’s? Or why your younger cousin gasped at the quote they got? It’s no secret that insurers rely on a variety of factors to calculate your premium, but two of the most influential ones are age and gender. These factors are key players in determining your risk as a driver, and in turn, they have a big impact on your wallet. Understanding how factors affect car insurance rates work is essential if you want to make sense of your monthly premium.   Even though many states are moving away from using gender as a factor in setting quotes, some still do, so it is important to understand the ins and outs of these important items.   The average car insurance rates by age and gender can feel especially tricky to navigate. Why, for instance, do teens pay so much more? And why do men often see higher rates than women in certain age groups? You deserve good coverage at a fair price, no matter who you are.   Are Age and Gender Key Factors in Auto Insurance Rates?   There is no doubt that age and gender are factors in the cost of auto protection in most states, but their impact is not equal. A driver’s age is one of the most important factors that help determine what they ultimately pay for coverage, but the same is not always true for gender.   While driver age continues... --- > Unsure of how many employees you need before business insurance becomes necessary? See our guide for everything you need to know. - Published: 2025-02-18 - Modified: 2025-04-29 - URL: https://www.freeway.com/knowledge-center/business-insurance/how-many-employees-do-i-need/ As a business owner, you're constantly juggling priorities. From hiring the right team to growing your brand, there's always something demanding your attention. Amid all this hustle, it's easy to overlook one critical aspect: business insurance. But when should you really start thinking about it? How many employees before I need business insurance?   The answer depends on several factors, like your industry, the size of your workforce, and your plans for growth. As your organization expands, so does your level of risk. What might start as a simple operation can quickly evolve into something more complex, and without the right protections in place, you could find yourself unprepared for unexpected challenges.   Recognizing the Impact of Workforce Growth on Insurance Needs  As your company grows, your policy requirements will grow with it. However, there are different types of coverage available, and some kinds are mandatory as soon as you have a single employee. If you are wondering if your small business really needs insurance or if business insurance required by law, the answer is: It depends. Many states require companies with even a single employee to carry workers' compensation coverage.   While some business coverage is required by law, depending on where it is located and the type, other types of coverage, like liability, are not always mandated. Still, liability insurance can provide invaluable protection against unexpected legal claims, property damage, or accidents, safeguarding your company from potential financial setbacks. Whether or not they are mandatory, each of these... --- > There are few things more frustrating than picking up a flat tire while driving. See our guide on how to change a flat tire in six easy steps. - Published: 2025-02-10 - Modified: 2025-05-30 - URL: https://www.freeway.com/knowledge-center/auto-club/how-to-change-a-flat-tire/ Few things are more frustrating than the sudden jolt of a flat while you’re driving. Whether you’re commuting to work, heading on a weekend road trip, or simply running errands around town, a flat can throw a wrench in your plans. If you are unsure how to change a flat, the process is not as daunting as it may seem. With the right tools and a little preparation, you’ll be back on the road in no time. If you don’t have the time or know-how to do it yourself, Freeway’s Auto Club can help with an affordable road service plan.   There are steps you can take to identify the need to change your tire and then make that change yourself. Whether you’re a seasoned road warrior or a first-time driver, mastering this skill is an important part of staying safe on the road. But don’t forget: Sometimes, the best step you can take is to ask for help from the pros.   Recognizing the Need for a Tire Change  The first step in determining how to change your flat is to make sure there is something wrong with the one you already have installed. In some cases, there is little doubt. If your tire is flat or destroyed while driving, it will be clear you need to make a change before you get back on the road. However, there are other times when this might be necessary, even if your vehicle still appears drivable. Some other indicators include the... --- > Looking for a new place? Learn more about the formulas that can show you how much rent you can afford. - Published: 2025-02-03 - Modified: 2025-02-01 - URL: https://www.freeway.com/knowledge-center/renters-insurance/how-much-rent-can-i-afford/ Let’s be real — finding the perfect place to rent can be exciting, but it’s also a bit overwhelming. Between scrolling through listings, daydreaming about rooftop views, and calculating square footage, there’s one big question to answer first: How much rent can you actually afford?   There are plenty of income calculators to help you out, but the choice is ultimately your own. Besides the monthly rent outlay, you’ll need to figure in other costs, such as food and, if you are smart, renters insurance. This post provides you with the tools you need to inform yourself and make good decisions about renting now and in the future.   Introduction to Rent Affordability  Rent affordability is what you can pay for rent each month without putting yourself under financial strain. This calculation starts with getting a clear picture of your income before analyzing your other expenses. While housing is one of the most important and largest bills you have each month, it is necessary to consider the bigger picture when it comes to rent affordability. This includes taking into account any debt you carry, the cost of living, and obligations outside of your basic necessities like housing, food, or electricity.   Understanding Your Financial Health  Taking into account your financial health is one of the important items you should consider when shopping for an apartment. Your financial health is the big picture of your financial situation. It gives a more comprehensive view of your circumstances than a narrow metric like... --- > Discover when to use roadside assistance to get out of difficult situations on the road, ranging from running out of gas to getting stuck in the mud. - Published: 2025-01-27 - Modified: 2025-05-30 - URL: https://www.freeway.com/knowledge-center/auto-club/events-where-roadside-assistance-is-handy/ Car troubles can happen to anyone, anywhere, at any time. This is why roadside assistance programs exist. Even if you have an assistance plan, however, you might not know when to use roadside assistance for your issues on the road. You may just be surprised by how many different ways your plan could help you. Programs like the Freeway Auto Club plan are designed to get you out of worst-case scenarios so you don’t have to let a breakdown ruin your day.   Roadside Assistance: The Value of Being Prepared for Anything  Roadside assistance, also known as breakdown coverage and emergency road support, is a specialty plan designed to help you out when you get stranded on the road. If you have an issue midtrip, you don’t want to be stuck on the shoulder wondering what to do. With breakdown coverage, you’ll have 24/7 access to a variety of helpful services to get you back on the road.   You might be wondering, “How does roadside assistance work with insurance? ” Typically, roadside assistance is an add-on to a traditional auto insurance policy. Some providers also offer separate emergency breakdown policies. With an active plan, you can reach out to your insurer to get free or severely discounted emergency services on the side of the road.   So, what does roadside assistance cover, and how does roadside assistance work?   1. Towing Services: When Your Car Won’t Budge  In some situations, a breakdown doesn’t have a quick fix. In that... --- > Learn how to set your big game day party up for success and avoid homeowners insurance claims by implementing some basic home safety precautions. - Published: 2025-01-20 - Modified: 2025-05-06 - URL: https://www.freeway.com/knowledge-center/homeowners-insurance/hosting-safe-fun-party-at-home-big-game/ When you’re trying to host the football watch party of the year, insurance is the last thing you want to worry about. However, if you don’t have a solid homeowners insurance policy to protect yourself, your big game party could be headed toward disaster. While you prepare for fun by making your signature buffalo wings and firing up the flatscreen, you’ll also want to think about how to avoid any party fouls that could lead to an insurance claim. By taking a few simple precautions ahead of time and staying alert during the game, you can make sure everyone has a ball.   Understanding Home Insurance Before Big Game Parties  Every year, people gather from far and wide to root for their favorite football team and see who brings home the winning trophy. While your favorite players train on the field, you’ll be busy preparing for your game-time get-together. That includes reviewing your homeowners insurance coverage.   Everyone knows that diehard football fans can get a bit rowdy, especially when watching the championship game. If people get a bit too excited and cause some collateral damage in your home, you’ll want to make sure your insurer has your back. You’re responsible for the things that happen in your home, whether you’re renting out your home or just hosting a few friends.   Plus, damage to your home isn’t your only risk as a host. Your homeowners liability plan will also kick in if someone gets injured on your property or... --- > Learn about the dangers of highway hypnosis and how it can impact you. Then, explore tactics for overcoming this sensation and staying safe while on the road. - Published: 2025-01-13 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/auto/what-is-highway-hypnosis/ You’ve probably heard about different types of distracted driving, such as drowsy driving or texting behind the wheel, but there’s actually another roadway affliction that could be putting you in danger. Highway hypnosis is a common issue that can put you in a trance while you’re in the driver’s seat, potentially making it harder to react to hazards on the road.   Even if you’ve never heard of this condition, you may have experienced it yourself. Having reliable auto insurance can give you a bit of protection if you get into an accident due to highway hypnosis, but it’s best to avoid it altogether. By educating yourself on the dangers of road hypnosis, you can be proactive about staying alert and focused while you drive, protecting yourself and others.   The Lull of the Road: What Is Highway Hypnosis?   The phenomenon of highway hypnosis has many names, including white line fever, road blindness, and driving without awareness. But what is highway hypnosis, and how does it affect you as a driver? In simple terms, highway hypnosis is the process of going into a trance-like state while you’re driving. Subconsciously, you’ll be able to perform basic driving tasks, but you aren’t actually focused on the road. It’s as if you’re on autopilot. You may drive for hours and arrive at your destination, then realize you don’t actually remember most of your trip.   So, what causes highway hypnosis? This condition occurs due to something called automaticity. When you do a... --- > Learn whether you should bundle home and auto insurance by exploring how it saves you money and what other benefits you can get from bundling. - Published: 2025-01-06 - Modified: 2025-01-17 - URL: https://www.freeway.com/knowledge-center/auto/should-you-bundle-home-auto-insurance/ Bundling multiple insurance policies together is known as one of the easiest ways to get a discount, especially when it comes to homeowners insurance and auto insurance. Many insurers have robust savings plans in place designed to get you a better deal when you bundle home and auto insurance. But is bundling always better? If you’re not sure whether you should purchase your plans separately or look for a bulk deal, find the right option by exploring this guide. Exploring the Appeal of Maximizing Savings Through Bundling  Many insurers advertise policy bundles as a great way to save money. Because so many people need both homeowners and car policies, insurers often have special deals for this unique combination. The exact discount can vary depending on your carrier, the plans you choose, and other factors, but you can typically save a significant percentage of both your home and your auto plan.   The idea is that carriers want your business for all of your insurance needs, so if you purchase multiple plans together, they can reward you with lower premiums. Think of it like buying in bulk — the more you purchase, the more you can save. If you’re looking to save money on car insurance, getting a bundle deal is an appealing option. Even if you have other ways to save, the extra percent off your premium can make a big difference.   The Financial Perks of Bundling Home and Auto Policies  Does bundling home and car insurance save you... --- > As 2025 approaches, many California drivers will face another significant auto insurance rate increase. Learn more and how to find cheaper auto coverage. - Published: 2025-01-03 - Modified: 2025-01-28 - URL: https://www.freeway.com/knowledge-center/auto/california-car-insurance-rate-hikes-2025/ New Legislation Means Many California Drivers Will Need More Coverage in 2025 Now that 2025 is here, many California drivers will face another significant auto insurance rate increase. After two years of inflation-related increases, Californians already encounter challenges in securing affordable coverage, resulting in over 4. 7 million uninsured drivers in the state. Senate Bill 1107, which increases minimum insurance requirements, is expected to further drive up premiums statewide. This latest change could disproportionately affect communities where insurance costs already strain household budgets. Freeway Insurance, which focuses on providing affordable coverage, reports that 98% of California drivers with non-standard auto insurance are likely to be affected by the new wave of upcoming rate increases. To address these challenges, Freeway has access to multiple carriers, enabling customers to compare options and secure the best rates. “By offering personalized solutions and a variety of carrier choices, we are committed to helping California’s communities maintain their insurance coverage, even as rates rise,” said Cesar Soriano, Freeway CEO. “Our mission is to ensure that drivers have access to essential coverage that meets new legal requirements without overwhelming their finances, helping them stay insured and compliant. ” How can California drivers deal with this rate increase? Here is a breakdown behind the causes for the rate hikes and some practical tips to help mitigate rising costs. Average Rates Rising Throughout the Country California's insurance rate increases reflect trends observed in many parts of the country in the past two years. In 2024, the average cost... --- > Explore the importance of reviewing your home insurance policy periodically to make sure you have the right level of protection for your home, belongings, and beyond. - Published: 2024-12-24 - Modified: 2024-12-24 - URL: https://www.freeway.com/knowledge-center/homeowners-insurance/essential-regular-home-insurance-policy-reviews/ Once you purchase your first house and set up a homeowners insurance policy, you may think that your insurance needs will be taken care of for as long as you own the house. However, reviewing your home insurance policy on a regular basis is essential if you want to fully protect your property. Just like your property needs regular maintenance to stay in tip-top shape, your insurance also needs regular adjustments to ensure it meets your needs.   The Importance of Regular Policy Checkups  When you first set up your insurance plan, you secure a certain amount of protection based on the current value of your house and any risks associated with your property. This gives you the ideal level of coverage without stretching your budget. As time goes on, however, both the value of your home and the type of coverage you need can change.   If you add a new addition to your home, or your house has a significant increase in value, your original homeowner’s policy simply might not cut it. In that case, you could be vulnerable if a natural disaster, accident, or other event hits your house. Even with natural disaster coverage, your policy might not fully account for the increased value of your property, leaving you unprepared for costly out-of-pocket repair bills. Incorporating disaster preparedness into your financial planning can help you avoid these unexpected expenses. Although you may find that your new policy is a bit more expensive, home insurance is worth the... --- > Discover how to avoid damage to your home during the wintertime and keep your insurance costs low through helpful snow home maintenance tips. - Published: 2024-12-17 - Modified: 2024-12-17 - URL: https://www.freeway.com/knowledge-center/homeowners-insurance/snowy-climate-tips-new-homeowners/ When winter weather rolls into town, that means one thing for homeowners: an increased risk of weather-related damage. To limit the impact of harsh, freezing temperatures and blustering blizzards, it’s important to understand some basic snow home maintenance to avoid having to make a costly homeowners insurance claim. By going through a basic winter home maintenance checklist each year before temperatures drop, you can keep your home in tip-top condition and ensure your homeowners policy gives you the protection you need.   The Relationship Between Home Insurance and Winter Weather  Colder weather comes with some additional considerations when it comes to home insurance. Standard policies cover many unexpected cold-weather events that could affect your home, including damage from falling snow, wind, and burst pipes. However, you may not be able to make a claim if you don’t keep up with your property and properly prepare your house for the colder temperatures.   For example, if a sudden blizzard piles snow onto your house, damaging your roof, you could be able to make a claim. However, if you already had roof issues or let your gutters get clogged with leaves and debris, your insurance provider may argue that you could have prevented the damage if you properly maintained your roof.   Insurance typically only covers roof replacements and other repairs related to a covered peril, and a lack of upkeep could interfere with your claim. As a result, it’s critical to keep up with your house and take preventative measures as... --- > Discover how telemedicine is shaping the future of healthcare by making treatment more affordable, accessible, and convenient for people across the globe. - Published: 2024-12-13 - Modified: 2025-01-02 - URL: https://www.freeway.com/knowledge-center/telemedicine/telemedicine-future-of-healthcare/ Just a few years ago, accessing healthcare involved getting in the car and meeting with a provider in person. Now, providing telemedicine is a standard part of many healthcare practices. Because of its convenience and widespread accessibility, telehealth solutions are quickly becoming the future of healthcare. Some insurers are even offering telemedicine health insurance plans specifically designed to help you get affordable healthcare services online.   By exploring recent innovations in virtual healthcare, you can determine if telehealth care is right for you, find ways to cut down on your medical expenses, and be more proactive about your wellness — all from the comfort of your own home.   Defining Telemedicine and Its Scope  What is telemedicine? It allows patients to get long-distance, remote care via telecommunication technology such as video conferences, phone calls, and even live text chats. Many providers that offer virtual care also have in-depth online educational resources to help patients quickly get answers about non-urgent issues.   Of course, not all health conditions can be treated over the internet or phone, which does limit the scope of digital care. For example, if you need stitches or an x-ray, you’ll have to visit a provider in person. However, you can still get comprehensive care, such as:  Mental health: Because mental health treatment typically focuses on talk therapy or discussing symptoms to determine a medication plan, it can often be done on a remote basis.   General care: You can use telehealth to get a diagnosis and treatment... --- > Explore the basics of independent contractor health insurance, including how the ACA works for gig workers and what you can do to save on your coverage costs. - Published: 2024-12-10 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/health-insurance/aca-for-independent-contractors-ca/ Figuring out independent contractor health insurance is one of the very first steps you should take when becoming an entrepreneur. As a self-employed individual, you don’t get access to employer-sponsored health coverage, so you’ll need to look for a plan through the healthcare marketplace.   The Affordable Care Act (ACA) makes it easy for freelancers and solopreneurs to get the coverage they need without relying on a group plan from an employer. But is it affordable? By exploring health insurance coverage options from the ACA and researching opportunities for extra savings, you can protect yourself with an affordable health insurance plan that fits in with your lifestyle as a gig worker, contractor, or small business owner.   Understanding the Affordable Care Act for Self-Employed Workers  The ACA expanded access to 1099 medical insurance, ensuring that people without employer-sponsored coverage could get insured, even if they had a pre-existing condition. It also created tax credit programs to help lower-income individuals pay less for their premiums.   If you want to start your own business, support yourself through freelance projects, or do any kind of contract work, getting a marketplace plan is typically your best bet for finding a reliable, budget-friendly plan. This is especially important as more people take on gig work, such as driving for a rideshare app or delivering food. There aren’t company-provided options for Uber health insurance, DoorDash health insurance, or Lyft health insurance, so if you drive for one of these third-party platforms, you’ll still need to... --- > Discover how a new federal rule has expanded DACA recipient health insurance and learn how the change could impact your coverage options - Published: 2024-12-03 - Modified: 2025-06-16 - URL: https://www.freeway.com/knowledge-center/health-insurance/health-insurance-for-california-daca-recipients/ If you’re a DACA recipient, also known as a Dreamer, handling health insurance can be confusing, especially since most undocumented immigrants in the United States aren’t eligible for coverage from the ACA marketplace. However, a new federal ruling has expanded DACA recipient health insurance, which means you could get covered as soon as December 2024. Learning the ins and outs of this new rule can help you sort out your new coverage options and find a plan that works for you.   Newly Available Coverage for DACA Recipients Explained  The Deferred Action for Childhood Arrivals policy, also known as DACA, provides many protections to undocumented children who grew up in the United States, but there are still limitations. Previously, recipients weren’t allowed to sign up for marketplace health plans from the Affordable Care Act, leaving them without affordable coverage options.   In May 2024, however, the Biden-Harris administration finalized a new rule that expanded access to ACA marketplace plans to include health coverage for DACA recipients. This new DACA legislature aligns with the open enrollment schedule for 2025, so you can sign up starting Nov. 1, 2024. So, can DACA recipients get health insurance? Currently, the answer is yes.   Eligibility for DACA Health Insurance in California  If you’re a Dreamer in California, that means you’ll be able to enroll in DACA Covered California marketplace plans going forward. You’ll also be able to sign up for a premium tax credit if your income is below a certain threshold, helping you... --- > Discover the evolution of car insurance history, from mandatory coverage to the current tech revolution reshaping how we protect our vehicles. - Published: 2024-11-25 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/auto/evolution-of-car-insurance/ In modern times, getting car coverage is a standard part of owning a car, but it wasn’t always this way. When you peek into car insurance history, you’ll find a time when auto coverage didn’t even exist. We’ve come a long way since the days when you could roll up and buy a Model T without a license and then drive around without protection. Let’s take a drive through the history of auto insurance to learn how—and why—car insurance has evolved over time.   Horse-Drawn Wagons to Horsepower: The Inception  Getting insured is such a massive part of modern life, with policies covering everything from your home to your health. However, insurance as we know is actually a somewhat recent innovation. In the Middle Ages, skilled workers would have some financial support through their guild to help pay for any accidents or issues—much like the general or professional liability plans of today.   When it came to transportation, plans for horse-drawn buggies weren’t a big concern. If two carriages collided, there simply wasn’t a huge risk of damage due to their low speed. And if there was, people sorted it out. Everything changed, however, with the dawn of the automobile.   Laying Down the Law: The First Car Insurance Policies  Motorized automobiles started cropping up in the late 1800s. Soon after, companies started offering auto coverage to help protect drivers. People quickly realized that high-speed cars had a much greater potential to cause damage than horses, wagons, and carriages. At... --- > Does homeowners insurance cover mold? Discover how insurers handle mold in different situations and learn how to protect yourself from expensive mold removal costs. - Published: 2024-11-19 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/homeowners-insurance/understanding-homeowners-insurance/mold-damage/ You know that your home insurance is there to help you recoup your costs and repair damages to your home after an unexpected situation. But does homeowners insurance cover mold? This pesky fungus can cause serious damage to your property, and getting it fully removed can cost a pretty penny. However, whether your policy includes mold issues isn’t cut and dry. To keep your house in good shape, it’s important to understand when your policy can help you with mold and how to prevent spores from spreading in the first place.   Uncovering the Mystery of Mold in Your Home  There isn’t just one type of fungus that can cause issues in your home, so molds can come in many shapes and sizes. Some kinds are mainly harmless, while others can seriously impact the structure of your house and even your health. It’s best to be proactive and make sure you recognize potential issues before they occur.   What Is Mold?   Mold is a collection of fungal spores that can grow and spread. It feeds on oxygen, moisture, and almost any kind of organic material. Unfortunately, that includes many homebuilding materials, including drywall, wood, wallpaper, and even paint. Dark, moist areas are at the highest risk for cultivating spores and allowing these growths to spread.   Possible Signs of Mold Invasion  Removing any fungal growths at the first sign of an issue is important, so familiarize yourself with common symptoms:  Discolored spots: Molds can come in a rainbow of... --- > Learn what a health savings account is, including its tax advantages, other key benefits, and key considerations to keep in mind. - Published: 2024-11-12 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/health-insurance/health-savings-account-explained/ Is a health savings account right for you? When researching health insurance options, you’ve likely heard about how health savings accounts, also known as HSAs, can help you save money on your healthcare expenses.   HSAs are a helpful complement to your primary health insurance policy that makes it easier to plan ahead and decrease your out-of-pocket healthcare costs. However, these special accounts do have a few considerations to keep in mind before you sign up for open enrollment in 2024 and beyond. Exploring the ins and outs of HSAs will ensure you make the right choice for your situation so you can take care of your health without stressing your finances.   What Is a Health Savings Account (HSA)?   So, what is an HSA, and how does an HSA work? A health savings account is a tax-advantaged savings account that you use exclusively for your healthcare needs. You pay into your HSA with pre-tax money directly from your paycheck, so you can avoid paying income tax on those funds. Once the money is in your account, you can use it for a variety of medical expenses, including dental work, copays, and medications.   Many employers offer HSAs for employees, and you may also be able to set up an HSA on your own or through your insurer. Regardless of where you set up your account, however, you need to make sure your policy is a qualifying high-deductible health plan (HDHP).   The Role of High-Deductible Insurance Plans in... --- > Does car insurance cover theft? Explore what type of policy you need and which situations are eligible for coverage when your car is stolen. - Published: 2024-10-28 - Modified: 2025-05-02 - URL: https://www.freeway.com/knowledge-center/auto/does-car-insurance-cover-theft/ Auto coverage is designed to safeguard the value of your vehicle and offer added protection from accidents, but does car insurance cover theft? It depends on the type of policy you have and the type of damages that occurred. After having your car stolen, vandalized, or broken into, it can be expensive to get everything fully repaired and replaced, so it’s important to prepare by signing up for the right policy.   Steering Through the Basics of Car Theft Coverage  Does insurance cover a stolen car? Answering this question starts with understanding comprehensive vs. collision insurance and which option covers claims related to stealing.   Understanding Comprehensive Auto Insurance  Minimum liability collision policies are designed to help you pay for damages that you cause, so they won’t cover claims related to break-ins or stolen vehicles. If you want to be able to file a claim if your car gets stolen, you’ll need a comprehensive policy.   Comprehensive coverage is designed to cover damages that aren’t related to a collision. This includes damage related to weather, falling objects, hitting an animal, vandalism, and, of course, theft. However, not all types of car-related larceny are covered.   What Constitutes “Theft” Under Vehicle Policies?   When it comes to claims related to stealing, you’re probably wondering — does insurance cover theft from my car, such as someone stealing my wallet out of my glove box? And does insurance cover the theft of my car itself?   Comprehensive policies will only cover claims related... --- > Learn everything you need to know about renting out your home and insurance, including what kind of policy you need and what features to look out for. - Published: 2024-10-21 - Modified: 2025-04-29 - URL: https://www.freeway.com/knowledge-center/homeowners-insurance/renting-our-your-home-coverage/ When you own a house, basic homeowners coverage is a no-brainer. But when renting out your home, insurance requirements may be a bit different. Getting additional coverage for a rental property can ensure you’re fully protected as a landlord so you can maximize your investment without additional stress.   Introduction to Rental Property Coverage  Do you need separate protection to rent out your house? The answer can vary depending on your situation. For example, if you rent out a room a few weekends a year, you’d have different coverage needs than someone who rented out their entire property full-time. By exploring different options for rental property owner insurance, you can make sure you’re protected.   The Basics of Homeowners vs. Landlord Insurance  Your standard homeowners policy is designed to cover the structure of your home and the property you keep inside it. These policies typically focus on damage related to disasters and other unexpected situations. They apply to you and members of your household.   Meanwhile, homeowners insurance for a rental property focuses more on limiting your liability and covering tenant-related damages. The coverage will apply to other occupants instead of just you and your family.   Understanding Your Responsibility as a Rental Property Owner  When you take on a tenant, you typically assume some liability for their behavior. For example, if the renter destroys part of your property, you’ll ultimately be on the hook for replacing it. Because you own the property, you may also be liable if the... --- > Discover the answer to “Why did my car insurance go up?” by exploring various factors that influence your premium. - Published: 2024-10-14 - Modified: 2025-01-28 - URL: https://www.freeway.com/knowledge-center/auto/why-did-my-car-insurance-go-up/ No one wants to see a higher price when the time to renew their auto policy rolls around, and it can be especially frustrating if there isn’t a clear reason for the price hike. If you see your new rate and find yourself asking, “Why did my car insurance go up? ”, there are a few common factors that may be the culprit. By exploring some of the typical reasons there are changes in car insurance rates, you can be proactive about avoiding unnecessary price increases in the future.   The Mystery of Rising Car Insurance Costs  After multiple increases to your premium, it’s normal to wonder, “Why does my car insurance keep going up? ” Ultimately, there are several reasons that could be at the root of your premium increases.   Decoding the Timing: When and Why Rates Tend to Increase  Different carriers can have their own schedule for increasing rates. For standard increases related to inflation, some carriers will give you a slight increase each time you renew your policy. Others may give you the same rate for years, then hit you with a larger increase at once. Regardless, the rate increase will usually occur whenever it’s time to renew your policy.   Overview of Industry Trends Impacting Your Premium  Overall, average car insurance costs are on the rise. Several trends are contributing to these higher rates, from inflation to increased repair costs to increased accident and damaging weather. All of these trends combined can often lead to... --- > Learn helpful tips to help you prepare for hurricane season. If you need a free homeowners insurance quote, call Freeway Insurance now to speak to a live agent - Published: 2024-10-09 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/homeowners-insurance/homeowners-insurance-and-weather-damage/hurricane-preparedness-tips-before-after-storm/ This hurricane season has been relentless, with Hurricane Helene tearing through Florida, Georgia, the Carolinas, and beyond. Cities like Asheville were left devastated, dealing with widespread flooding, power outages, and major property damage. Many are still recovering, having lost homes and personal belongings. Now, with Hurricane Milton in Florida, it's a reminder that there’s no time to let your guard down. These storms can cause massive destruction—flooding, wind damage, roof collapses, and property loss. To help protect your family and minimize damage and insurance claims, here are some steps to help you prepare before and what to do after the storm. How to Prepare Before a Hurricane Strikes It all begins with personal safety ahead of any storm. Prepare an evacuation plan for your family and identify the nearest storm shelter. Make sure you have an hurricane emergency kit in your car. Be sure to have hurricane survival supplies, which include the following: Plenty of bottled water First Aid kit Flashlights (with extra batteries) Battery-operated radio Three or more days of non-perishable food items Blankets Extra clothing Prescription drugs (as required by family members) Eye glasses Personal hygiene supplies Cash for at least 3 days Your pet’s leash/collar/food How to File an Insurance Claim After a Storm The first few days following a natural disaster are often confusing and stress-filled. Once you’re confident everyone you care about is okay – it’s important for you to focus on contacting your insurance company and filing your claim(s) as quickly as possible. Make... --- > Learn the basics of home insurance and renovations, including how common renovation projects can increase or decrease your premium in different situations. - Published: 2024-10-09 - Modified: 2025-05-03 - URL: https://www.freeway.com/knowledge-center/homeowners-insurance/home-renovations-upgrades-affect-on-insurance/ When you first insure your house, your coverage and premium can depend on a wide range of factors, including the overall condition of your property and the presence of certain features. So, it makes sense that home insurance and renovations can be closely connected. The changes you make to your house could ultimately impact the cost of your homeowners insurance.   However, not all renovations are created equal. Some upgrades will increase your premium, while others will actually save you money. Still others may cause your insurer to drop you. Exploring common renovation options and how they’ll impact your rate will help you successfully navigate the world of insurance and home improvements.   Setting the Foundation: The Intersection of Home Renovations and Insurance  So, does insurance cover renovations? And how exactly will the changes you make to your house impact your policy? Before you bust out the construction equipment and start taking on projects homeowners can tackle themselves, make sure you understand the basics how renovations can influence your homeowners insurance. Understanding the Basics of Home Insurance Coverage  There are plenty of things first-time buyers should know about insurance, including how renovating their property can impact their policy. If you’re wondering how renovations affect home insurance, it’s important to start by exploring how property coverage works. The cost of your policy is calculated based on several characteristics. That includes the value of your house and the overall risk of making a claim.   For example, if your house has outdated... --- > We know you have questions about Covered California and Open Enrollment. We’ll answer your questions and help you sign up – for free. - Published: 2024-10-07 - Modified: 2025-01-28 - URL: https://www.freeway.com/knowledge-center/health-insurance/2024-2025-covered-california-open-enrollment-faq-guide/ Did you know one in five Californians are eligible for free health insurance? Are you one of them? There’s an easy way to find. At Freeway Insurance, we have bilingual agents standing by to help you sign up for health insurance for next year during Covered California’s Open Enrollment from Nov. 1, 2024, to Jan. 31, 2025. This service is free to you. Call us at 866-951-0476 so we can help you today – for free! Covered California General Information What is Covered CA? Covered California is the state's health insurance marketplace where Californians can compare and purchase affordable health plans. It also helps residents determine if they qualify for financial assistance or Medi-Cal, California's Medicaid program. What is the Difference Between Covered California and Obamacare? Obamacare is the federal law that mandates California health insurance coverage, and Covered CA is the state's implementation of Obamacare. Covered California provides access to ACA-compliant health plans and financial assistance to help reduce costs. Is Covered California the Same as Medi-Cal? No, Medi-Cal is a separate program that provides free or low-cost healthcare for low-income residents. When you apply for health insurance, if you qualify for Medi-Cal, your application will automatically be rerouted. Can I Get Covered California for free? Yes, many Californians qualify for $0 premiums based on their income*. One in five residents can enroll in Covered CA at no cost per month—click here to see if you qualify or call us at 866-951-0476. How Much is Covered California? The cost... --- > xplore the essentials of short-term health care plans, including the pros and cons when it comes to potential cost savings, coverage, and eligibility. - Published: 2024-09-23 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/health-insurance/is-short-term-health-care-more-affordable/ When shopping around for medical policies, you may come across short-term health plans. These policies are a type of health insurance designed to give you temporary protection when you do not have another policy in place. But is short-term health insurance good, and is it more cost-effective than standard health coverage? We break down these key questions in this comprehensive guide.   Defining What Short-Term Health Insurance Really Is  Short-term health coverage, also known as short-term, limited-duration insurance (STLDI), is a special type of plan designed to bridge a gap in your health coverage. It does not usually cover as much as a traditional plan, but it can help tide you over until you can get standard protection through the government healthcare marketplace or your employer.   How long can you use a short-term policy? After Sept. 1, 2024, the maximum length of these plans will be three months, with a potential one-month extension. Some states already have shorter limits in place, such as Delaware and Maryland.   How Does Short-Term Insurance Differ From Standard Policies?   These policies do not qualify as traditional health insurance plans, and they are not regulated by the Affordable Care Act. Instead, states set their own guidelines for these limited-term policies. As a result, several states don’t offer these plans at all, including:  California Colorado Connecticut District of Columbia Hawaii Maine Massachusetts Minnesota New York New Hampshire New Jersey New Mexico Rhode Island Vermont Washington If you do live in a state that offers... --- > Knowing how and when to sign up for Medicare is critical. If you miss the deadline, you could face penalties. Learn more. - Published: 2024-09-22 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/health-insurance/understanding-health-insurance/happy-65th-birthday-now-youre-eligible-to-sign-up-for-medicare/ Reaching your 65th birthday is more than just a milestone—it’s your gateway to important healthcare benefits like Medicare. Whether you’re new to senior health care plans or already familiar with them, understanding how and when to sign up for Medicare is essential for securing the coverage you need. This guide will walk you through your health coverage journey, explaining everything from key dates to the best options and additional benefits, including how to enroll in Medicare health insurance and what to do once you turn 65.   Welcome to the Age of Benefits  You might be wondering, “What do I do when I turn 65 for Medicare? ” As you reach this milestone, this health insurance program that serves millions of seniors and people with disabilities offers significant perks. With health insurance being a requirement under the Affordable Care Act (ACA) in states such as California, it's important to explore your options—especially if you don’t have coverage through another provider—to avoid penalties for being uninsured. In California, missing the right time to sign up could lead to hefty fines. Understanding when does Medicare coverage start and when to enroll is key to making the most of your benefits.   Navigating Your Medicare Enrollment  Navigating Medicare enrollment can be overwhelming, because many people do not know what Medicare does and doesn’t cover. However, understanding the key steps ensures you don’t miss important deadlines. It’s crucial to be aware of the various enrollment periods—such as the Initial Enrollment Period (IEP), Special Enrollment... --- > Expecting a baby? Discover 5 key tips for securing newborn health insurance, including Medicaid, Medi-Cal, CHIP, and affordable coverage options. - Published: 2024-09-16 - Modified: 2025-01-28 - URL: https://www.freeway.com/knowledge-center/health-insurance/understanding-health-insurance/newborn-insurance/ So, you're expecting a bundle of joy—congrats! Parenthood is such an exciting journey, but it definitely comes with its fair share of changes. Between prepping the nursery, baby-proofing the house, and figuring out sleep schedules (for both you and the baby), there’s a lot to juggle. The last thing you want to worry about is the financial side of things, especially when it comes to your little one’s health. If you’re exploring your options for baby health insurance, you’ve come to the right place! To properly prepare, here are 5 things you should know about newborn health coverage.   Welcome to Parenthood: Insuring Your Little One  Making sure your newborn has coverage should be one of the first things on your list. Medical costs for little ones can add up quickly, and without the right coverage, you could end up with some hefty bills. But by taking a few easy steps to get your baby covered, you’ll have one less thing to worry about and can focus on enjoying those precious early moments with your new arrival. Here are 5 tips to get you started.   1. When Should You Add Your Baby to Your Health Plan?   Once your baby is born, it's important to act quickly—you typically have 30 days to add your newborn to your health plan. Understanding how health insurance works ensures your baby receives the necessary care from the start. By enrolling your newborn within this window, all medical expenses, including hospital care and treatments,... --- > When is open enrollment for health insurance? Find out the dates for 2024 and 2025 in this helpful guide to make sure you sign up on time. - Published: 2024-09-16 - Modified: 2025-01-28 - URL: https://www.freeway.com/knowledge-center/health-insurance/when-is-health-insurance-open-enrollment/ The Health Insurance Marketplace makes it possible for thousands of eligible individuals to get coverage, but you have to follow a specific timeline if you want to sign up. So when is open enrollment in 2024 and beyond? Knowing the correct sign-up dates and special considerations is your first step to getting an affordable health insurance plan.   Navigating 2024 Health Insurance Open Enrollment  In general, open enrollment happens at the same time every year, during which you can apply for coverage and select the right Marketplace medical policy for you. Medicare is open for application and renewal based on your birthdate.   The Ebb and Flow of Enrollment Dates  When is open enrollment in 2024? For most states, open registration begins on November 1 and ends on January 15 of the following year. These dates are usually the same year after year, so you can register for coverage on a set schedule.   This period gives you about two and a half months to decide if you want Marketplace coverage and to determine which type of health insurance plan you want. Regardless of the plan you choose, you'll have that plan for the next calendar year, unless you have a qualifying event that lets you change your policy, such as getting coverage through your job.   Why These Dates Matter to You  Keeping track of open registration dates is critical if you want to get health insurance through your state. If you miss open enrollment, you may not be... --- > How much house can I afford? is a common question as you start your home buying journey. We’ll help you break down key factors and plan a budget. - Published: 2024-09-09 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/homeowners-insurance/tips-for-homeowners/how-much-house-can-i-afford/ As you start dreaming about buying a home, it's important to think about how much house you can afford. It's easy to start fantasizing about large, four-bedroom houses in the nicest part of town, but that may not always be realistic. Finding the sweet spot for your budget is essential for honing in on housing options that meet your needs and also fit with your financial goals.   To determine what type of home you can afford, it's important to familiarize yourself with the market in your area, conduct a thorough review of your financial situation, and explore ongoing costs like property taxes and homeowners insurance. Once you have a handle on these factors, you'll be able to quickly sort through your options and be well on your way to owning a new property.   Understanding the Basics of Home Affordability  Housing is one of the major living costs you need to factor into your budget, regardless of whether you rent or own your home. However, buying a house requires a bit more planning and budgeting than getting approved for a rental property. It involves saving up for your initial down payment and ensuring that your monthly payment will be affordable for years to come. As a result, you need to assess your current savings and your regular income to determine a reasonable price range for your house.   The Centrality of Income in Determining Your Price Range  Unless you have massive stores of cash to purchase a home outright,... --- > . - freeway, cheap auto and health insurance - Published: 2024-09-02 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/homeowners-insurance/insuring-tornado-alley-home/ When you live in an area that is prone to twisters, protecting your home should be one of your very first concerns. But getting Tornado Alley home insurance can be a bit more complicated than finding a policy in other parts of the country that aren’t at risk for twisters.   Because of the increased risk of damage, you may find that you need a bit of extra protection from your homeowners insurance. To make sure your assets are fully protected, start by learning how standard policies can protect you from tornadoes, then explore ways to get extra coverage for additional peace of mind.   Defining Tornado Alley: The High-Risk Zones  So, what is Tornado Alley, and how do you know if you live in a danger zone for tornadoes? Tornado Alley refers to areas in the United States that are at the highest risk for twisters. The main parts of Tornado Alley include Texas, Oklahoma, Kansas, Nebraska, and South Dakota. However, neighboring areas like western Louisiana, eastern Colorado, and Iowa are also considered part of Tornado Alley.   Plenty of states outside of Tornado Alley experience tornadoes each year — the states inside the region are simply located in an area that tends to get more severe twisters. As weather patterns change, the boundaries of Tornado Alley are also shifting. That’s why it’s important to check the frequency and severity of twisters in your specific area to get a more accurate idea of whether twisters are a risk to... --- > Learn everything you need to know about getting a historic home insurance plan that will help you preserve your historic property and keep it in great condition. - Published: 2024-08-26 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/homeowners-insurance/historic-home-coverage/ Living in an older house is a great way to make sure your space has plenty of charm and character, but it can also entail some extra costs when it comes to repairs and replacements. If you live in an older house that has historical value, it's important to get a historic home insurance plan that will help keep your property in its original condition, while keeping you financially protected in today’s environment.   Unraveling the Mystique of Historic Home Insurance  Older houses need coverage just like any other property, but may have additional considerations because of their historical value. Before you start shopping for plans to insure a historic home, get started by making sure you understand the details of living in and maintaining your own slice of history.   What Qualifies as a Historic Home?   There are plenty of old houses out there, but they don't all qualify as historic sites. In fact, to get an official designation, your property needs to fulfill certain expectations. The National Register of Historic Places will evaluate your house based on a few key qualifications.   The house needs to be at least 50 years old, it needs to look similar to its original construction, and it also needs to have some level of cultural significance. That could mean an important person lived there or your house was related to a major event in history. It could even qualify as culturally significant if its design is a great example of architecture... --- > Learn when to go to an urgent care vs. ER by exploring the types of care available at each facility and examining the financial considerations of each option. - Published: 2024-08-19 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/health-insurance/urgent-care-or-er/ If you're having a health issue and feel like you need to get care right away, you usually have two options: the emergency room or a same-day urgent care clinic. But before you head out, it's important to have a good understanding of urgent care vs. ER visits. You want to make sure you get the right level of treatment while also getting the greatest value out of your health insurance. Picking the right option can help ensure you get the treatment you need without wasting valuable time or money.   Deciphering the Differences: Urgent Care and Emergency Rooms  There is a difference between ER and urgent care, even though they both offer same-day support if you're dealing with a medical issue. Essentially, they're designed to deal with different types of conditions.   Emergency rooms are typically part of larger hospitals, and they're meant to address serious injuries and illnesses. If you need immediate care that can't wait, the emergency room is equipped to get you the treatment you need right away. For example, you may go to the ER with severe chest pain or a broken limb.   Urgent care centers are same-day clinics. If you can't get in with a doctor, you can go to one of these clinics for basic diagnostic services and treatment. For example, you might be able to go to your local quick-care facility to get stitches or get an antibiotic prescription to treat a common infection, such as strep throat.   Understanding Urgent... --- > If you don’t qualify for Medicaid or Medi-Cal, use this guide to learn about California affordable health insurance options and how to find a cheap plan. - Published: 2024-08-12 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/health-insurance/affordable-insurance-options-beyond-medi-cal-or-medicaid/ If you used to be covered by Medicaid or Medi-Cal and your healthcare plan recently expired, you may wonder if you can find cheap health insurance in California. California affordable health insurance is available, but it can be intimidating to find a new plan if you’re not sure where to start. By exploring how health insurance works in California, you can find a plan that fits your budget and gets you the coverage you need.   Finding Affordable Health Insurance in California  It’s no secret that California can be an expensive place to live. If you’re on a budget, the last thing you need is expensive health premiums taking up your monthly budget. Luckily, there are several options for people who want to save on health care, even if they don’t qualify for California’s official Medicare program.   Remember, everyone in California is required to have health insurance. You will be penalized on your taxes if you are found to have opted out of health coverage the prior year.   Navigating Your Insurance Options Beyond Medi-Cal or Medicaid  When it comes to affordable coverage options, your mind might immediately go to Medicaid or Medi-Cal. You may wonder about the difference between Medi-Cal and Medicaid, but they actually refer to the same program. Medi-Cal is simply the name for California’s Medicaid system. But if you don’t qualify or your eligibility recently ended, you do have other options for Medicaid alternative insurance.   You can purchase insurance on the healthcare marketplace, which... --- > Learn the answers to "What is a branded title?" by exploring the potential risks of buying a branded car, and how to determine if a branded car is worth it. - Published: 2024-08-05 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/auto/what-is-a-branded-vehicle-title/ If you're looking for a used vehicle on a budget, you'll likely come across the term "branded title. " So, what is a branded title on a car, and how can having one affect you as a driver? Although a branded car could be a great deal and a worthwhile purchase, it's important to understand all the nuances and potential drawbacks before making a deal. For example, finding car insurance for a vehicle with a branded title may be tricky.   What Is a Branded Title Vehicle?   A branded title is a certificate stating that a car has previously incurred major damages that could permanently impact the car's safety, performance, and value. This document exists to let buyers know about potential risks. So, if you're buying a vehicle from a private seller and notice that the title has a brand, it's a good idea to do some investigating.   The Various Kinds of Brands Explained  A car can get a brand in several situations, such as being totaled in an accident. The title should explain why the car you're looking at has a brand. Here are some of the most common categories of brands:  Altered Odometer: Changing the odometer on a vehicle is illegal and can seriously impact a car's value, which is why cars with altered odometers will get a brand.   Water Damage: Water damage can cause serious long-term issues, which is why severe water damage can result in a brand.   Lemon Law: When people return... --- > Explore the world of telematics insurance programs and learn how driving safely can save you money on your insurance when you sign up. - Published: 2024-07-22 - Modified: 2025-06-16 - URL: https://www.freeway.com/knowledge-center/auto/telematics-insurance/ Traditionally, car insurance premiums are calculated using a variety of risk factors, such as your age, driving history, the type of car you drive, and the estimated number of miles you drive each year. Telematics insurance takes this idea to the next level by directly tracking your driving behaviors to create a much more accurate risk profile. Tracking programs work by keeping an eye on your actual habits behind the wheel instead of making generalizations based on your personal information. That way, if you drive safely, you can earn a lower rate due to your decreased likelihood of getting into an accident.   If you're curious about how you can save money on your car insurance by simply keeping up with your safe driving habits, get started by exploring the basics of telematics.   Defining Telematics and its Place in Car Insurance  Telematics is the process of remotely monitoring the way vehicles move. In the world of insurance, telematics allows carriers to observe their customers' driving habits. They can track different aspects of your behavior on the road, including:  The number of miles you drive per year Acceleration Braking Cornering Following the speed limit Using your phone while driving  Based on those factors, your insurer will assign you an overall score or risk level. If your data indicates that you're a safe driver overall, your insurer can cut you a deal on your coverage.   The Evolution of Pay-as-You-Drive Models  Insurers have been using telematics since the late '90s. It... --- > Prepare for your next summer road trip by exploring these tips on how to stay cool and keep your car from overheating while driving in high temperatures. - Published: 2024-07-15 - Modified: 2025-05-02 - URL: https://www.freeway.com/knowledge-center/auto/staying-cool-on-your-summer-road-trip/ Between the clear skies and the warm weather, summer is the perfect time to take that road trip you’ve been dreaming of during a long, dreary winter. But during any summer road trip, staying cool will be your number one challenge. It takes more than just picking a destination and making sure you have dependable auto insurance to stay cool and relaxed during your ride. By planning ahead and implementing some summer driving tips, you’ll be able to conquer the heat, keep your car in working order, and enjoy a stress-free vacation.   Pre-Trip Vehicle Maintenance Is a Must  Before you hit the road, you need to make sure your car is in tip-top shape. A basic maintenance checklist can help you have a smooth ride as you visit national parks or check out unique roadside attractions, regardless of the weather.   Check and Maintain Your Vehicle’s Fluid Levels  Routine vehicle maintenance can help you avoid having to pull over on the side of the road while the summer sun beats down. Check all your fluid levels to ensure you don’t have a leak and top off any fluids that are a bit low. It’s especially critical to keep an eye on your coolant to keep your engine from overheating on your summertime drive.   Inspecting Your Air Conditioning System Before Departure  Air conditioning is critical for having an enjoyable drive as temperatures rise. Try blasting your A/C to make sure it can keep up with the demands of a... --- > Explore the ins and outs of roof replacement insurance, including how to get your roof repairs covered by your homeowners insurance. - Published: 2024-07-08 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/homeowners-insurance/are-roof-replacements-covered-by-home-insurance/ Your rooftop can be one of the most expensive aspects of your home to repair and replace, so it makes sense to explore roof replacement insurance when you first set up your homeowners coverage. But while you may assume your homeowners policy covers every aspect of your home, that’s not always the case.   It’s important to talk to your insurer about roof insurance ahead of time to make sure your home is fully covered to avoid unexpected costs. By exploring the basics of roof replacement insurance, you can set yourself up for success when it comes to extending the life of your rooftop.   The Basics of Roof Replacement Insurance Coverage  Roof coverage is part of your overall homeowners plan, not a separate policy. When exploring what a homeowners polilcy covers, always read the fine print about repairs. Most policies will include roof coverage, but there are some stipulations.   Insurers will usually only pay to replace your rooftop when it incurs irreparable damages from an unexpected situation. Plans typically cover damages related to wind, fire, hail, snow, lightning, vandalism, and falling debris such as tree limbs (as long as the falling limb is not due to a lack of proactive tree maintenance on your part). They won’t cover standard wear and tear that happens over time. Your provider may also deny claims for damage related to lack of maintenance, so it’s critical to perform basic upkeep to keep your rooftop in good condition.   Because the average roof... --- > Learn which cat-friendly plants you can keep in your home to protect your pet, and discover which houseplants you’ll need to avoid. - Published: 2024-07-01 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/pet-insurance/cat-friendly-plants-pet-insurance/ Having pet insurance helps ensure you can afford vet costs for your furry friend, but the best way to keep your cat’s expenses low is by keeping them healthy in the first place. If you have a green thumb, having cat-friendly plants is essential for keeping your kitty safe while still enjoying nature in your home. By exploring the basics of pet-friendly plants, you can forego expensive vet visits and make sure your feline friend can safely explore your home.   The Importance of Choosing Cat-Friendly Plants  Many people don’t realize that some common houseplants are actually toxic to cats. If your cat gets too close, they could deal with serious complications. Certain houseplants can make your cat sick if they ingest part of the plant or even just inhale the pollen. In some cases, the effects can even be fatal. Cats are curious creatures, so it’s critical to keep these plants out of your home entirely to avoid any accidents. Even if you have a helpful pet insurance plan to pay for medical expenses, you want to be proactive about creating a safe environment for your kitty.   However, that doesn’t mean you can’t have any greenery in your house. There are plenty of pet-safe plants that won’t harm your animals if they decide to investigate.   Top 5 Cat-Friendly Plants for Your Home  Looking for plants that are safe for cats? If you want to turn your home into a lush oasis without worrying about your cat getting... --- > Is it more expensive to insure a foreign car? Explore this guide to discover the factors that can influence your premium. - Published: 2024-06-24 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/auto/is-insuring-a-foreign-car-more-expensive/ If you’re considering getting a car imported from overseas, you may be wondering if it's more expensive to insure a foreign car. The answer depends on the type of car.   While some foreign cars can be pricey to insure, certain domestic vehicles can also have high auto insurance costs. Understanding the factors that car insurance companies use to calculate auto insurance premiums can help you get a good idea of what you might pay for insurance on your foreign, exotic, or imported car. Once you know the basics, you can decide which type of vehicle is right for you — and your budget.   Unraveling the Myth: Is Foreign Always More Expensive?   When it comes to understanding insurance rates by car, foreign vehicles have a reputation for being pricier than domestic cars, which usually means higher coverage costs. However, they aren’t always more expensive. Getting a sports car or a luxury vehicle of any type will drive your prices up. For example, Ferrari and Lamborghini are two of the most iconic manufacturers of exotic vehicles, and they’re both foreign companies. Cars from these companies can be worth hundreds of thousands of dollars. As you can expect, the value of these vehicles alone can make them expensive to insure.   But there are also plenty of American cars that have serious price tags. Hypercar manufacturers like Hennessey Special Vehicles can sell vehicles that cost millions of dollars. When it comes to foreign vs. domestic car insurance, certain types of... --- > Learn how long you can wait and how to register your vehicle after a move. Also, explore the consequences of missing the deadline and how to avoid them. - Published: 2024-06-17 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/auto/registering-your-car-in-a-new-state/ When you move to a new state, you have to deal with all the logistics, including changing your address and finding the best restaurants near your new home. When it comes to your car insurance, you need to first make sure your current insurer can legally operate in your new state. If you need to find a new carrier, it’s always best to do that early, so you have a few days of overlapping coverage – just to be on the safe side.   Another important detail is updating your car registration. Wondering how to register your vehicle after a move? Each state has its own system, so you’ll need to register your vehicle after moving. But how long do you have before your old registration is no longer valid in your new home?   While registering your car as soon as possible is always a good idea, some states give you more time than others. Keeping track of the deadlines can help you successfully manage your move and avoid any penalties for invalid licensing.   Understanding the Registration Deadline  Because each state handles vehicle registration differently, deadlines can vary. There’s usually a grace period with your local tax office or Department of Motor Vehicles (DMV) to update your information, such as registering your car and getting a new license. This can give you the breathing room to handle all the administrative details of permanently moving to a new address. However, some states do require you to register your vehicle... --- > How will self-driving cars affect insurance? Explore how the launch of driverless technology could change the insurance world. - Published: 2024-06-10 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/auto/self-driving-cars-insurance-future/ Future Insured: How Self-Driving Cars Will Affect Insurance  Over the past several years, auto manufacturers and technology companies have slowly but surely progressed on the journey to create functional, safe self-driving cars practical for everyday use. These businesses are now starting to test their autonomous vehicles on the road, drawing attention to one key question: “How will self-driving cars affect insurance? ”  When you drive a traditional, non-autonomous car, you need to purchase auto insurance to protect your vehicle and reduce your financial liability if you cause an accident. But if a car doesn’t have a driver, who is actually liable? As self-driving cars become more common on the road, insurers are likely to rethink how their car insurance systems work. If you’re interested in the future of autonomous vehicles — or are simply curious about what would happen if you got into an accident with a self-driving vehicle — stay prepared by exploring some of the possibilities.   Steering Into the Future: The Arrival of Self-Driving Cars  Self-driving cars, also known as autonomous cars or robocars, have been in the works for decades. The idea is that driverless systems will be able to avoid common human issues, like not using proper lane and highway etiquette, speeding, and not checking blind spots. Governments, tech giants, and auto-makers have all invested countless dollars into making this vision of the future a reality. However, development has rapidly accelerated in the past few years. Just a few years ago, the idea of seeing... --- > Set yourself up for success when traveling with your dog by reviewing these tips for keeping your pets safe and comfortable on a long road trip. - Published: 2024-06-03 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/auto/safe-pet-road-trip-guide/ Do you love taking your furry, four-legged best friend with you on the road? Traveling with your dog can be extremely fun and rewarding, but there are also some dangers involved. It's important to take certain steps to keep your pup safe and comfortable, especially if you're in the car for a while. Along with having auto insurance for your vehicle and pet insurance for your dog, you need to take several factors into consideration before embarking on a road trip.   Many dogs aren’t used to being in a moving vehicle, so preparing your furry friend for a car ride is the key to making any trip a success. With the right planning, you can make road trips with your pet a fun, safe, and stress-free experience for both you and your canine friend.   Preparing Your Dog for the Car Ride  Successfully traveling with your dog by car starts well before you embark on your trip. Start by planning your dog’s overall training, schedule, and vehicle setup.   Training  Well-trained animals are much easier to control on the road. You don’t want to have to worry about your dog lunging at the window or jumping into the driver’s seat while you’re driving. Lay the groundwork for a successful trip by teaching your dog simple commands like “stay” and “lie down. ”  Once you have the basics taken care of, try practicing these commands in the car while parked. First, this can help your dog get comfortable being in... --- > Discover the ins and outs of uninsured motorist coverage, including how it works, its key benefits, and what to do if you get hit by an uninsured driver. - Published: 2024-05-27 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/auto/uninsured-motorist-coverage/ Most states legally require drivers to carry insurance, but that doesn't mean everyone follows through. As a result, there are plenty of uninsured drivers out on the road who could potentially cause an accident, making uninsured motorist coverage a must for any responsible driver. Not all policies cover damages from uninsured drivers, so you may have to pay out of pocket if a driver without a policy causes an accident — even if you already have auto insurance.   Having a policy to protect against underinsured and uninsured drivers can provide you with valuable financial support if you get into an accident with someone who doesn't have a sufficient policy to pay for your damages or medical expenses. You're on the right track if you ask yourself, "Should I have uninsured motorist coverage? " By exploring the ins and outs of uninsured motorist policies, including how they work and how they can protect you financially, you can effectively protect yourself from other drivers on the road, regardless of their auto coverage levels.   Clearing Up the Confusion: What Are UM and UIM?   Before you start shopping for a new plan, it's important to know the basics of auto insurance, including what coverage options can protect you from uninsured drivers. Two types of coverage can help you out if a driver who doesn't have insurance causes a collision: uninsured motorist (UM) and underinsured motorist (UIM) policies. If an uninsured driver is found at fault for an accident, both options can... --- > Explore the ins and outs of rideshare insurance to ensure you have all the coverage you need when driving in the gig economy. - Published: 2024-05-20 - Modified: 2025-04-29 - URL: https://www.freeway.com/knowledge-center/rideshare-insurance/rideshare-insurance-gig-economy/ Becoming a rideshare driver is a quick, flexible way to start making extra money on your own terms, but you should secure rideshare insurance to get started. Many insurers require extra protection if you use your private vehicle for business purposes, including gig work for a rideshare or delivery app. Driving for an app as an independent contractor comes with plenty of risks, such as a passenger getting injured in an accident, so it’s important to have a policy that keeps you fully protected. Your private auto policy may be insufficient if you get into an accident while you’re on a delivery or driving a rideshare passenger.   If you’re curious about driving for Uber, Lyft, DoorDash, Instacart, or other apps and being protected, getting a specialized policy can help you start on the right foot. Read on to explore all the ins and outs of rideshare policies for your car.   https://www. youtube. com/watch? v=DADKEckvz-Q Understanding the Basics of Rideshare Insurance  Rideshare insurance is a specialized type of plan that provides coverage if you need to file a claim while driving for a ridesharing or delivery app. It’s designed to fill the gap between your personal and commercial policies the company offers.   Although the app you work for will have some level of commercial coverage to reduce your liability as a driver, their policies may have limits or be restricted to certain situations. Your personal rideshare policy can help provide additional protection if you hit the company’s policy... --- > Explore what liability insurance is, why you need it, how much it costs and other key considerations. - Published: 2024-05-13 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/auto/what-is-liability-auto-insurance/ You've got your driver's license and a new car, and you're ready to get on the road. Right? Not so fast! Before you rev up the gas pedal, you'll want to make sure you have car insurance, with liability coverage as the minimum requirement. All states have rules about this essential coverage, so it is best to understand how it works.   Steering Through the Basics of Liability Auto Insurance  Liability policies, also known as minimum coverage plans, are designed to help you cover expenses for property damage or injury to another person if you cause an accident. That way, you'll be able to confidently hit the road without worrying about incurring massive expenses from damaging someone else's vehicle or worse, injuring another person.   However, these policies aren't a complete get-out-of-jail-free card when it comes to causing accidents. Understanding the full purpose and scope of minimum coverage plans can help you pick the right policy and determine if you need additional protection.   The ABCs of Auto Liability Insurance  When you sign up for an auto policy, you can typically choose different levels of protection. If you have a brand-new car financed with a loan, for example, you'll probably be required to have a full coverage policy that will help cover damages to your car and other vehicles in the event of an accident. But in some cases, you may not want or need that level of coverage. In the world of insurance, liability refers to your legal and... --- > Learn how to identify if a prospective home is in a flood zone, explore common risks, and determine whether you need flood insurance for your property. - Published: 2024-05-06 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/homeowners-insurance/flood-zone-before-buying-a-house/ Waterfront properties are highly desirable but can also come with a catch — the chance of flooding. When searching for a new house, planning ahead is important to avoid paying for costly repairs on your own. That involves determining the risk level of any home you’re considering buying and researching what homeowners insurance options will keep you fully covered. It’s also essential to determine if your house is in a flood zone and if you’ll need flood insurance to protect your assets fully.   By learning how to identify if a home is in a flood zone and exploring the meaning of different FEMA categories, you can successfully mitigate the risks of buying a house in a flood zone.   Navigating the Waters of Flood Zone Home Purchases  If your dream house happens to be in a flood zone, you don’t have to panic. Even though these homes have special considerations, planning and getting comprehensive insurance coverage can help you combat the potential drawbacks. However, it’s still important to be informed about the risks of buying a high-risk property to make an informed decision about your future home.   Key Factors to Consider Before Buying a Flood Zone Property  The biggest drawback of buying a house in a flood plain is the potential for costly repairs from flooding and water damage. However, some homes have built-in protective measures. For example, many houses in these areas are elevated or have strategic landscaping that guides runoff away from the home. As you... --- > Does moving affect insurance? Discover everything you need to know about keeping your auto and homeowners insurance up to date when moving to a new area. - Published: 2024-04-22 - Modified: 2025-05-03 - URL: https://www.freeway.com/knowledge-center/auto/how-moving-affects-your-auto-and-homeowners-insurance-policies/ Moving is a massive undertaking with tons of moving parts — you need to pack, switch over your utilities, and get used to your new neighborhood. But what are the impacts of moving on insurance? You probably already know you’ll need a new homeowners insurance policy for your new home, but you may be surprised to learn that moving to a new area can impact your auto insurance policy as well. Plus, what happens if your two policies are bundled for extra savings? By exploring the location-based nuances of your plans, you can ensure a smooth move while staying fully covered.   Introduction to Relocation Insurance Realities  There are several ways insurance is affected by a move, including premium costs and coverage details. Knowing what to do about your coverage before moving is critical for maintaining the right level of coverage at an affordable price once you're in your new home.   The Importance of Updating Your Insurance Policies When Moving  Notifying your insurer of a move and updating your policies is essential for maintaining adequate coverage. Your current auto plan may not apply in your new area, leaving you, in essence, breaking the law by driving without insurance. You won’t be able to make future claims either.   If you own your home, your current policy won't apply to your new house. Each home has a unique combination of factors that determine its policy rate, so you'll need a brand-new policy for your new house. If your new home... --- > Learn everything you need to know about freelancer health insurance, including requirements, options for added coverage, and key tax considerations. - Published: 2024-04-15 - Modified: 2025-04-29 - URL: https://www.freeway.com/knowledge-center/health-insurance/understanding-health-insurance/freelancer-health-insurance-basics/ Many people get health coverage through their employers, but what are the options for freelancers and self-employed individuals? Securing freelancer health insurance is essential for protecting your health and adhering to legal requirements in some states as a self-employed person. Although securing self-employed health insurance may seem overwhelming, several resources can simplify the process. By learning the basic process of getting health insurance as a freelancer, you can confidently navigate the process and find a plan that works for you.   Navigating Health Insurance as a Freelancer  As a freelancer, you’re responsible for handling insurance policies you may have previously gotten through an employer. This includes dental, vision, life, and, of course, healthcare plans.   Understanding the Importance of Coverage for Self-Employed Individuals  Health coverage isn’t mandatory on a federal level, but it is critical for protecting your physical and financial well-being. A quality plan ensures you can access the care you need if you get sick or require medical attention. Without a freelancer health insurance plan, out-of-pocket medical expenses can quickly add up and cause financial strain. A good policy can provide you with critical stability and peace of mind as a self-employed person.   It’s important to note that some states do require you to have health insurance. If you live in any of these states, you may have to pay a significant fine or penalty if you don’t have health insurance, so be sure to check your local requirements: California  Massachusetts  New Jersey  Vermont  Rhode Island  Washington,... --- > Explore the importance of documenting an inventory of your possessions to help expedite the claims process for your renters insurance. - Published: 2024-04-08 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/renters-insurance/what-is-renters-insurance-inventory/ Having renters insurance is critical for protecting yourself and your belongings if there's ever an accident in a property you're renting or a theft of your belongings. With a thorough renters insurance inventory, you can ensure that your most important valuables are documented and covered. Learning how to take stock of your belongings for insurance and how to file a renters insurance claim can help ensure you get the support you need if your valuables get damaged.   Unlocking the Importance of Home Inventory for Renters  A home inventory helps you understand the value of your belongings. By closely estimating this number, you can determine your policy limit. Keeping a detailed list of your possessions in a safe place will be extremely helpful if you have to make a claim for any of the items on the list. That way, if anything is stolen or damaged, you can quickly identify that the item was in your rental unit prior to the damage and how much it was worth.   Crafting Your Inventory Checklist  Knowing how to make a home inventory list for insurance purposes will help you do it right. Here are some basic guidelines to follow.   Document Item Details for a Robust Record  Start by listing any item you'd want reimbursement for if it was lost, stolen, or damaged. Along with a physical description of your valuables and a summary of their conditions, take pictures or videos as added evidence. Consider whether you need coverage for items in... --- > Explore the ins and outs of natural disaster homeowners insurance to ensure you have the coverage you need in severe weather or other emergencies. - Published: 2024-04-01 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/homeowners-insurance/disaster-preparedness-how-to-make-sure-your-homeowners-insurance-has-you-covered/ Natural disaster homeowners insurance is your first line of defense against financial stress if a severe weather event damages your home. Understanding the basics of natural disaster coverage can help you pick out a policy that covers all your bases and stay prepared in an emergency. By exploring common questions and breaking down the first steps to take in the event of an emergency, you can enjoy peace of mind, even when the unexpected occurs.   The Role of Homeowners Insurance in Disaster Recovery  When a severe weather event occurs, filing a claim with your natural disaster homeowners insurance policy can help you get the financial support you need to complete critical repairs. With a comprehensive policy covering natural disasters, you can immediately spring into action instead of having to scrounge up funds for emergency repairs or dip into your savings.   Navigating Insurance Policies Before a Disaster Strikes  When insuring your home, you may have questions like: Does insurance cover natural disasters? What about storm damage from landslides or tornadoes? While many homeowners' policies have some protection coverage for storms, it’s important to understand your plan before filing a claim.   For example, typical homeowners policies don’t cover any damage to your home from certain situations like floods, landslides, and earthquakes. Tornado coverage can vary by area. To stay covered, talk to your insurer about your insurance policy and consider add-ons for earth movement, hail, storms, and flooding.   Financial Preparation for Specific Natural Disasters  Certain natural disasters have... --- - Published: 2024-03-25 - Modified: 2025-05-02 - URL: https://www.freeway.com/knowledge-center/homeowners-insurance/how-spring-cleaning-can-prevent-homeowners-insurance-claims/ When you think of homeowners insurance claims, you might jump to big, dramatic accidents such as a storm damaging your roof. However, damage to your home can often occur slowly over time, and regular maintenance can help you prevent homeowners insurance claims in the future. If you’re curious about how basic cleaning can save you time and money, explore this spring-cleaning guide to learn more.   Spring Cleaning: The Foundation for a Safer Home  If you’re wondering how cleaning can prevent homeowners insurance claims, it’s important to understand the connection between basic maintenance and long-term damage. If you don’t regularly clean your home, it can build up more-than-normal wear and tear over time. This can eventually lead to major damage to your plumbing, HVAC system, foundation, roof and other core elements of your home.   This damage isn’t just expensive — it can even affect your health and safety. By implementing a regular spring cleaning schedule, you can ensure your home is safe and in tip-top shape, helping you avoid having to file homeowners insurance claims.   Interior Maintenance Tips for Homeowners  Start your spring cleaning routine by creating a plan for the interior of your home. Here are a few of the tasks that can help you avoid the most expensive damages in the future:  Clean the dryer link hose on your dryer to keep your home safe from fires.   Swap out your smoke detector and carbon monoxide detector batteries.   Refresh the caulk in your bathroom and... --- > Can you get lower car insurance by switching insurance companies? Discover the best time to change car insurance companies. - Published: 2024-03-18 - Modified: 2025-04-10 - URL: https://www.freeway.com/knowledge-center/auto/auto-insurance-switching-simplified-find-the-optimal-time-to-change/ If you’re not satisfied with your current insurance, you may wonder when the best time is to change plans or providers. Switching insurance companies can result in serious savings while giving you the coverage you need. Exploring the process of securing better car insurance requires a certain level of strategy, however, so below you’ll learn how to get maximum savings on your auto insurance while still being fully covered.   Navigating the Insurance Switching Landscape  Regularly exploring different options is one of the best ways to keep your premiums as low as possible. Here are a few of the basics to understand before you begin the switch.   Understanding Insurance Portability  Portability refers to your ability to switch from one insurer to another. Sometimes, you may be able to carry over benefits from your old provider to your new one, such as bonuses for not making a claim for a certain period of time. Moving your policy from one provider to another involves communicating with both your previous and upcoming insurers about the change. Many insurers offer similar policies so you can have consistent coverage throughout the transition from one provider to another.   Evaluating Your Current Coverage  Regularly assessing your policy ensures that you’re both getting a good deal and maintaining the protection you need. Here are a few questions to ask when reviewing your coverage:  Do I need liability or full coverage?   How much is my deductible?   Do I want any additional coverage?   Am I... --- > Where is the VIN number on a car? Learn the answer to this and other key questions about vehicle identification numbers in this in-depth guide. - Published: 2024-03-11 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/auto/locate-your-vin-tips-to-find-your-cars-id-effortlessly/ When going to the mechanic, updating your insurance, or registering your car, you may be asked about your car’s VIN. But what is a VIN number, and where is the VIN number on a car? This guide explores everything you need to know about this important ID to ensure you have all the information you need when it comes to your vehicle and getting auto insurance.   What is a Car VIN Number?   A VIN, or vehicle identification number, is a 17-character code assigned to your specific vehicle. It is a unique identifier for your vehicle, much like a license or social security number for a person. Information about your car, like its ownership history and past accidents, is directly connected to this number.   Why Knowing Your Car's Identification Number is Crucial  Knowing your car’s VIN is essential for keeping track of important details about your vehicle. If you’re wondering, “Why do I need a VIN number? ” there are plenty of situations where this ID will come in handy.   You may be asked to input your car’s VIN when applying for a new insurance policy or renewing your registration. If your car is ever stolen, despite your best efforts to avoid car theft, having the VIN can help you track your vehicle down and prove that you own it. As a result, it’s important to know where to find your VIN on your car and have it recorded in a safe place outside of the vehicle.... --- > Does it help other drivers when you place a student driver sticker on a car being used for training a new driver? - Published: 2024-03-06 - Modified: 2025-04-25 - URL: https://www.freeway.com/knowledge-center/auto/do-student-driver-stickers-work/ Many student drivers — and their parents — have opted to put “student driver” bumper stickers on their cars to alert others that they’re still learning how to drive. But do these kinds of stickers work?   Although it doesn’t take much time to learn the basics of driving (which includes getting affordable car insurance), it can take a while for your teen to get comfortable behind the wheel. The idea behind these stickers is that other motorists will be more aware of your young driver as they learn. However, you may wonder if they’re actually effective. Below, we explore the concept of student driver stickers to help you decide if you want one for your vehicle when your child starts learning to drive.   A Brief History of Student Driver Identification  States started requiring driver’s licenses in the United States in the early 1900s, and learner’s permits have been around for almost as long. The state of New York launched the first learner’s permit in 1925, and other states soon followed suit. Permits give your teen a probationary period before they can have full driving privileges. While your kid has a permit, they may have restrictions like needing to have an adult in the car or having a curfew for driving.   Now, you can take an extra step by putting on bumper stickers, letting others know that you have a teen who is still learning how to drive. With these stickers, you and your teen can voluntarily indicate... --- - Published: 2024-02-23 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/auto/insurance-requirements-when-you-finance-your-car/ Thinking about financing a new or used vehicle? One thing to consider is how much your car insurance will cost. In most cases, your lender will require what is known as full coverage. This 3-part coverage consists of liability insurance, plus collision and comprehensive coverage. So, before you sign on the dotted line, let’s explore what type of insurance policy you’ll need to buy with a financed automobile.   Why Car Insurance is Important for Financed Cars  When you borrow money to purchase your new wheels, the company loaning that money has a vested interest in the car. This car, in effect, belongs to them until you pay off your loan. It’s the collateral the company has to make sure you continue to pay them. A wrecked, totaled or stolen vehicle is worthless, so if you stop making payments, the lender has nothing to repossess and sell to try and make up the loss.   Minimum Requirements for Financed Vehicles  Most vehicle financers require, at a minimum, collision coverage and comprehensive. The state you drive in requires liability to help offset the costs associated with a wreck you cause, such as injuries and property damage. How much car insurance you need depends on where you live and your lender.   State-by-State Requirements  Every state sets a different amount of state-required minimum liability insurance. These totals are set by law in the state legislature. Some states have ridiculously low requirements, such as California car insurance, which only requires $5,000 in property... --- > Learn the telltale signs that it’s time to replace your spark plugs before it leads to greater issues. Keep your engine running smoothly and stretch your vehicle’s lifespan. - Published: 2024-02-16 - Modified: 2025-05-02 - URL: https://www.freeway.com/knowledge-center/auto/bad-spark-plug-symptoms/ Spark plugs play an important role in your engine performance, as well as its lifespan. Your spark plugs should be regularly inspected and changed, according to the specifications in your owner’s manual. If you are not the first owner, you should assume they need switching out and begin your own maintenance schedule. Whether your vehicle is new or new to you, don’t forget to have the right auto coverage before you set off down the road.   Spark Plugs and Engine Performance  Spark plugs are small compared to the giant job they have to do when it comes to your engine. Besides trouble starting the car, faulty spark plugs can play havoc on your engine performance and your fuel consumption. That’s why it is important to keep track of these small but important parts. How do Spark Plugs Work  Internal combustion chamber engines start when a “spark” of electricity ignites a combustible air-fuel mixture. Your plugs take in high energy voltages and cause the spark needed to cause the combustion process. Barely bigger than your finger, they have a critical role in your engine’s continued routine of starting when you turn the key (or press a button), as well as your fuel efficiency and emission levels. When they begin misfiring, they can cause issues.   Bad Spark Plug Symptoms  These hard workers are on duty anytime you need to start your vehicle and they don’t quit after that. They play an important role in the continued good operation of your... --- > Save money and easily manage your coverage when you bundle your policies with Freeway Insurance. - Published: 2024-01-25 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/auto/how-bunding-insurance-can-help-save-money/ It is your lucky day because insurance agencies offer a discount when you have more than one policy with the company! There are several reasons why insurers give a break to customers who “bundle” or have multiple policies under one roof. There’s many great incentives to consider using this discount of bundling your car insurance and home insurance premium – the greatest of which is putting funds back in your wallet. Growing Trend of Bundling Insurance Policies Most insurance companies quickly jumped on the bundling bandwagon... it’s a no-brainer to help clients conserve funds. Nowadays, it’s hard to find a carrier that doesn’t offer perks for bundling insurance. As with most everything, there are pros and cons to using this method to save money on your insurance products, and there are also companies that are much better at it than others! Let’s jump in and take a look at the best way to bundle insurance. Advantages of Bundling Insurance As you now know, there are clear advantages to both the customer and the insurance agency with bundling. For the customer, it comes down to cost savings and convenience. If your car insurance is increasing in 2024, this is one way you may be able to still save no matter how the economy fluctuates. An insurer will also gain some convenience advantages, such as having a customer’s policies all in one tidy place, which makes communication and administration easier. Additionally, this customer behavior signals loyalty to the brand, meaning it’s less... --- > Don’t let a bad alternator drain your wallet. Learn how to navigate repair costs and inspect the issue with tips from Freeway Insurance.  - Published: 2024-01-16 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/auto/cost-of-an-alternator-repair/ Rebuilding a problematic alternator is something many hobby mechanics used to do at home in the garage. Not so much, anymore, with all the new-fangled computerized systems. It’s a job best left to the professionals at your local repair shop. The average alternator replacement cost is between $400 and $500 for modern vehicles. That covers new parts and labor costs.   What is an Alternator  The alternator helps keep your vehicle’s battery charging all those complicated systems. And when it quits working or quits working right, the battery eventually quits, too. When the radio stops playing music and the headlights go dim, it very likely could be that the alternator is the culprit so it’s a good idea to get it checked.   Common Symptoms of a Bad Alternator  Noticing the signs of a failing alternator sooner rather than later can be the difference between being left on the road somewhere with a dead automobile and not being stranded. Here are some keys signs your alternator may be having a bad day:  Your check engine light comes on (take it seriously)  Sluggish engine  Stuttering engine  Smell of burning rubber  In most of today’s newer vehicles, you can scroll through many of your engine’s important vital signs through the dashboard screen. Take note that if a missing fan belt has caused the issue, your air conditioner and power steering may also be affected, as well as an overheated engine, as they all share the same belt.   Understanding the Alternator System ... --- > Avoid these bad driving habits that can put you and others at risk. Find out how to avoid common mistakes that can lead to accidents and tickets. - Published: 2024-01-05 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/auto/driving-safety/9-bad-driving-habits-avoid/ Driving is an important aspect of modern life, and for many of us, it is an essential part of our daily routine. It can be an enjoyable way to get from place to place, but it must be taken seriously. According to the latest report made by the National Highway Traffic Safety Administration (NHTSA), 42,915 people died in motor vehicle traffic crashes in 2021, a 10. 5% increase from the 38,824 fatalities in 2020. Making an effort to drive safely and learning accident prevention techniques at a driving safety course can help curb that statistic. Unfortunately, many drivers engage in bad driving habits that not only put themselves at risk but also endanger the lives of others. The best method to lower your risk of getting into a car accident is to eliminate any bad habits you’ve acquired. Having poor driving habits doesn’t always mean that you are a bad driver or that you regularly get slapped with a traffic violation ticket. Many skilled drivers can get into unnecessary and preventable collisions due to risky behaviors. Here’s a list of some of the most common bad driving habits and provide tips on how to avoid them. 1. Distracted Driving Distracted driving is one of most easily preventable yet hardest habits to break for bad drivers. Texting or using your phone while driving, eating or drinking while driving, driving with your headphones on, or engaging in any activity that takes your eyes or mind off the road can often lead to... --- > Health Marketplace Open Enrollment in CA takes place Nov. 1– Jan. 31. If you miss it, you’ll be facing a tax penalty. Freeway Insurance walks you through finding affordable health insurance. - Published: 2024-01-05 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/health-insurance/enrolling-in-a-health-insurance-plan/health-insurance-open-enrollment-in-california/ If you’re a California resident who is planning to buy or renew your 2023 individual or family health insurance through Obamacare, your Open Enrollment period is from Nov. 1, 2023 through Jan. 31, 2024. These are important dates to remember. You must use this Open Enrollment period to get coverage for you and/or your family in 2024, unless you have a qualifying life event that allows you to enroll later. We’ll explain elsewhere on this page which situations are considered qualifying life events.   Just know for now that if you don’t have such a life event and miss the Open Enrollment period for Obamacare, you or your family will likely go without health insurance for 2024. In California, there is a tax penalty if you do not get health coverage.   Also, keep in mind that the concept of Open Enrollment only concerns health insurance. You can buy life, auto, homeowners, and all other forms of insurance at any point when you need coverage.   What Is Obamacare?   This federal health marketplace insurance program is officially known as the Affordable Care Act (ACA) but has been nicknamed Obamacare since it was created under the presidential administration of Barack Obama.   Its main purpose is to provide affordable health insurance for Americans who don’t qualify for coverage through their employers, the Veterans Administration, Medicare, Medicaid, or other free or low-cost programs. Without the ACA, or Obamacare, individual health insurance policies were sometimes too costly for certain segments of the... --- - Published: 2024-01-05 - Modified: 2025-05-03 - URL: https://www.freeway.com/knowledge-center/health-insurance/low-deductibles-pros-and-cons/ You’re shopping for health insurance with the goal of getting the best coverage you can afford. Your life doesn’t include too many risky behaviors and you consider yourself relatively healthy. The most you’re worried about is a minor illness or accident. You don’t mind paying a bit more every month in case something small goes wrong. Under these circumstances, a plan with a low deductible might be the perfect fit for you. Despite the great coverage these plans offer, a lot of people avoid low deductibles. You’re required to pay a higher monthly payment, which can be an unrealistic expense for some consumers. However, low deductibles offer many benefits – and challenges – which you should carefully consider before you apply for health insurance. To help you decide what works for you, we’ve created a list of low deductible pros and cons. Read on to learn more. What is a Low Deductible Health Plan? A low deductible health plan means the policyholder will pay less upfront and out of pocket for certain healthcare items, such as surgery. Most policies outline certain services the insured may access whether their deductible is met or not, such as a visit to the primary care doctor. Other medical costs, such as a visit to urgent care or certain lab services, may be dependent on the deductible being met before the insurance company will kick in to help pay for them. At any rate, those with a low deductible will have less of a threshold to meet before... --- > Enhance your car's performance with our essential tune-up checklist. Maximize your car's efficiency and longevity. - Published: 2023-12-13 - Modified: 2025-04-25 - URL: https://www.freeway.com/knowledge-center/auto/car-tune-up-checklist/ Most people who buy a vehicle want it to last a long time. Just like anything else, the more you take care of your vehicle, the longer it will last and the better it will run. Regular preventative maintenance, including oil changes and tune-ups, is necessary to keep your car in peak shape. Just as purchasing the best and most affordable car insurance will keep you protected on the road, taking the proper steps to maintain your car is a good idea to protect it and help it to last longer. Read on for a car tune-up checklist. Car Tune Up Basics Except for older, more classic-type vehicles, tune-ups have changed over the years. Back in the day, a tune-up meant an overhaul of sorts to the car’s ignition system, including breaker points, condenser, distributor cap, rotor and spark plugs were all adjusted or replaced. The carburetor was tuned and ignition timing was set. Modern cars come with computer-based systems designed to perform much of this work on a constant schedule. Engine timing, plugs and the lubing of joints, bearings and other parts of the suspension system are done by the manufacturer and sealed for life. If something goes wrong, you will most likely get a dashboard alert. Tune-ups today are more about simple, basic maintenance. What Is a Tune Up? What is a tune-up exactly and can you do it yourself? A tune-up typically includes an oil change (with an oil filter inspection), and a check on other components,... --- > Learn how much do vaccines cost without insurance. Get insights into pricing details and affordable shot options to keep your health in check. - Published: 2023-12-13 - Modified: 2025-05-03 - URL: https://www.freeway.com/knowledge-center/health-insurance/understanding-health-insurance/how-much-do-vaccines-cost-without-insurance/ Vaccines can be expensive when you do not have health insurance to help pay for them. In looking at childhood immunizations, which begin at birth, the cost can total up to between $600 and $700 today. In most cases, routine vaccines may have a slight copay with your health insurance, but in many cases, they are covered completely. Those who do not have health insurance are missing out on the many benefits that come with a health plan, including help paying for vaccines. Let’s talk about what type of vaccine may be needed for your child and yourself, and share some good news about ways you can save money. Factors Affecting Vaccine Costs Many things go into how a vaccine is priced, including who manufactures the vaccine, the type and how many doses are required. For example, the DTaP (diphtheria, tetanus and pertussis) is given 5 times over several years of your child’s life, beginning right after birth followed by booster shots. Types of Vaccines There are many different vaccines and they all help to prevent different infections by boosting your immune system to fight back more effectively. Childhood vaccines typically include the following: Influenza (Flu): Typically introduced at the 6-month mark, this is part of the recommended vaccines for children and adults. HPV: A newer vaccine for children ages 11-12. It is thought to prevent certain cancers in adulthood. Hepatitis B: Prevents a common infection in the United States and around the world. Typically, the first in a series... --- > Is your car insurance premium increasing? Find out why and explore simple ways to cut costs without sacrificing coverage. - Published: 2023-12-12 - Modified: 2025-05-02 - URL: https://www.freeway.com/knowledge-center/auto/buying-auto-insurance/auto-insurance-increase/ If your car insurance is increasing in 2024, you are not alone. Car insurance is still on an upward trend, as compared to last year and the year before. American drivers are feeling the pinch of higher annual premiums everywhere. The national average for annual premiums rose anywhere from 4. 8% to 14% since last year, according to different sources. So, why are Americans seeing large rate increases in car insurance? And what can you do to lessen the impact on your finances? The good news is there are things you can do to lower your cost. Let’s dive in... Why is Car Insurance so Expensive? Car insurance joins a long list of products that have increased in price. These are not fun products we can do without. These are things Americans need to purchase: Food, shelter, services and insurance. The reasons why everything is more expensive come down to factors such as the recent pandemic, climate change and inflation.   Pandemic Shortages You may have heard the term “supply chain disruptions”. Increased e-commerce and global demand during the pandemic caused shortages in supply. Your rates have increased, in part, because car parts are more expensive and harder to find. When Americans make claims for covered events and increased car repair costs and parts transfer to the insurer, you’ll see a rate hike to cover the difference. Climate Change According to some sources, hurricanes and other weather events are more intense. Wildfires in California, flooding throughout the country, ice storms... --- > Read our essential guide to California car seat laws. Stay compliant and protect your kids of all ages on the road. - Published: 2023-12-12 - Modified: 2025-05-03 - URL: https://www.freeway.com/knowledge-center/auto/knowledge-center-california-car-seat-law-what-you-need-to-know/ As a parent in California, there’s probably not much you wouldn’t do to ensure the safety of your child. In the state of California, children in cars must be properly secured in a car seat. Just like car insurance in California is in place to help protect you on the road, rules and regulations around driving your child in the car are there to keep them safe, too. Thousands of children are killed are have serious injuries in car accidents each year in the U. S. due to improper or no usage of car seats. Keep reading to find out about California law, as well as which car seat is best and where you can go to get your child’s car seat installed for free by professionals. What Do I Need to Know about California’s Car Seat Law? Driving on California roads is dangerous. You can do your part by being a safe driver, but if someone else causes a wreck, you want to make sure the passengers in your car come out unharmed. According to the California State Highway Patrol (CHP), the leading cause of death for young children is motor vehicle crashes. This is why California car seat laws exist: a properly-installed car seat can reduce the risk of death in children under the age of one by 71 percent in a car accident. In toddlers, a car seat prevents 54 percent of deaths in a car crash. You can take steps to make sure you and your... --- - Published: 2023-11-26 - Modified: 2025-01-16 - URL: https://www.freeway.com/knowledge-center/auto/which-engine-is-best-gasoline-diesel-hybrid-or-electric/ Types of Cars Engines Let's dive into the world of car engines and figure out what makes them tick! Have you ever wondered why some cars sound different or why some go super fast while others focus on saving fuel? Well, it all boils down to the type of engine they have under the hood. We break down the different types of car engines - gasoline, diesel, hybrid, and electric - revealing how each one brings its own unique character to the driving experience. Buckle up as we explore the engines that power our rides and learn how each type plays a role in shaping the way we drive and impacting the world around us. Get ready for a journey through the gears and discover the ins and outs of these fascinating machines! There are more options when buying a car today than ever before. One of the biggest choices to make is which kind of engine you want. Manufacturers are constantly coming up with various types of car engines to meet the demands of modern cars. Here we explain the differences between them and their pros and cons. The Impact of the Engine Type on Performance  When it comes to cars, the type of engine you choose is very important because it affects the performance of the car. There are different types of engines, such as gasoline, diesel, hybrid and electric, and each has its own special qualities. Gasoline engines are good because they are easy to find, they... --- > College students should not overlook their healthcare options, get all the information you need about Covered CA on Freeway's Knowledge Center - Published: 2023-11-22 - Modified: 2025-01-20 - URL: https://www.freeway.com/knowledge-center/health-insurance/what-healthcare-options-can-students-expect-with-covered-ca/ Covered California For Students Covered California for Students is a special health program just for students. It helps you get affordable health insurance, whether you're in college or vocational training. This program makes it easy for students to get the health coverage they need without spending too much money. It's like a safety net for your health while you're studying. In this introduction, we'll talk about what Covered California for Students can do for you and how it can help you with your healthcare. What is Covered California? Covered California is a statewide health insurance marketplace in California, where individuals and families can easily shop for and purchase health insurance plans. It was created as part of the Affordable Care Act to make health coverage more accessible and affordable for Californians. The marketplace offers a variety of health insurance options, and you can compare different plans to find one that fits your needs and budget. Eligible students can apply for financial assistance to reduce the cost of insurance premiums. Covered California is a valuable resource for individuals and families who want to secure essential health coverage in the state. Importance of Health Insurance for Students Student health insurance is really important for a few key reasons. First, it's like a safety net that protects you from unexpected medical bills, so you can get the healthcare you need without worrying about money. It also encourages you to see the doctor for regular checkups, which can catch health issues early and keep... --- - Published: 2023-11-21 - Modified: 2025-01-17 - URL: https://www.freeway.com/knowledge-center/health-insurance/no-health-insurance-dont-miss-covered-ca-open-enrollment-2016/ Covered California Open Enrollment No health insurance? Don't miss Covered CA Open Enrollment! If you or your family don't have health insurance, you're not alone, and there's a crucial opportunity coming your way. Covered California's Open Enrollment is like a golden ticket to getting the health coverage you need. This is the ideal time to sign up for insurance or make changes to your existing plan. Without health insurance, getting sick or injured can be expensive and worrisome, but during Open Enrollment, you can find affordable options and even get help to lower your costs. So, if you're without health insurance, don't miss this important period – it's your gateway to a healthier and more secure future. What is Covered California? Covered California is a California state program that helps people get health insurance. It was created as part of the Affordable Care Act, also known as Obamacare. This program makes it easier for Californians to find and buy health insurance plans that fit their needs and budget. When you apply for coverage through Covered California, you can compare different health insurance plans and see if you qualify for financial help to reduce your costs. It's a one-stop shop for individuals and families looking to get quality, affordable health insurance in California, ensuring that more people can access the health care they need to stay healthy. The Importance of Open Enrollment Open enrollment is a crucial time for anyone needing health insurance and occurs once a year. During this period,... --- > Learn if urgent care is covered with insurance at our Knowledge Center. Get insights on coverage options and make informed decisions today. - Published: 2023-11-16 - Modified: 2025-05-02 - URL: https://www.freeway.com/knowledge-center/health-insurance/knowledge-center-is-urgent-care-covered-with-insurance/ In most cases, yes. When you or a family member gets sick or injured, it can be hard to decide if you should try to make an appointment with your primary care physician (PCP), go to urgent care, wait in line at the emergency room or just try over-the-counter medications and lots of water and sleep. If your child has a bad sore throat, it could be strep throat. That’s a medical issue needing treatment and prescribed antibiotics from a doctor or nurse practitioners. If you’ve got a high fever and are experiencing other sudden onset symptoms that last longer than 24 hours, you may want a medical opinion. Your primary care provider may be too booked up to see you anytime soon. In that situation, you have several options, including visiting an urgent care center or a hospital emergency room. Many people also have the choice of using an e-medical service, such as Teledoc. However, all of these choices come with varying price tags. So, which one is going to be the quickest and least painful on your bank balance? If you have health insurance, you may be surprised at the answer. What’s the Difference Between Urgent Care and Emergency Room? Typically, an urgent care facility is going to be able to see you quicker and will cost less than an ER visit. Most walk-in clinics allow you to make an appointment online, so you can wait at home instead of in a place full of other sick people.... --- - Published: 2023-11-13 - Modified: 2025-01-17 - URL: https://www.freeway.com/knowledge-center/health-insurance/its-here-medi-cal-coverage-for-autism-treatment/ Medicaid for Autism Treatment: It’s Here! In January 2014, the Centers for Medicare and Medicaid Services, CMS, said that people under 21 must get Medicaid for Autism Spectrum Disorder (ASD) treatment. Managed by the California Department of Health Care Services (DHCS), Medi-Cal is California’s Medicaid program, which in the same year started providing essential behavioral health treatment (BHT) for autism, including applied behavior analysis or ABA therapy for enrolled children, when the treatment is medically necessary. Healthcare insurance traditionally didn't cover therapy.   Autism Spectrum Disorder (ASD) is a developmental condition that affects social interaction, speech, and repetitive behaviors. It manifests differently in each individual, making it challenging to identify a one-size-fits-all approach. Understanding these complexities is essential for tailored interventions. The federal Centers for Disease Control and Prevention reports that they have diagnosed ASD in 1 in 36 children in the United States. ASD affects people across all racial, ethnic, and socioeconomic groups, making it essential to provide comprehensive support and resources. Medicaid Autism Services for Childrens and Adults One of the key strengths of the Medicaid plan is its commitment to breaking down barriers. Through Medicaid Managed Care Organizations (MCOs), individuals with autism gain access to a network of healthcare providers specializing in autism services.   Medicaid for autism ensures understanding and support for every individual's journey, whether it's through diagnostic assessments, early intervention programs, or specialized medical care. Medicaid for Children with Disabilities  In the case of children, Medicaid for autism covers services like behavioral therapy, speech... --- > Plan your next outdoor adventure with our list of seven camping spots located in the most beautiful national parks in Alabama. Immerse yourself in the heart of nature. - Published: 2023-11-10 - Modified: 2025-01-15 - URL: https://www.freeway.com/knowledge-center/auto/national-parks-in-alabama/ What if you could make American history come alive for your family? Choosing to forego the expensive theme parks for an equally exciting trip through time (and much less money) may be the answer when you are planning your next fun road trip. The United States is full of such historical destinations and Alabama sets a high bar for sites that commemorate some of the most exhilarating, as well as some of the darkest, aspects of our history as a nation.   If you are an Alabama resident checking your state’s national sites off your travel list or you live somewhere else but feel a special bond with aspects of the Cotton State’s history, then pack the camping gear, load up the RV or plan the lodging and let’s go visit Alabama’s National Parks.   Before hitting the road, make sure your car insurance will get you to your destination safely and legally. Adding roadside assistance before you leave, if you don’t already have it, is a good idea, since a flat tire or overheated radiator in a strange place could be difficult to navigate without help. How many national parks are there in Alabama?   Alabama has 11 national park sites that offer exciting outdoor activities, trips back into the history that shaped our nation, commemorations to honor the leaders who made that history, as well as beautiful scenic trails. We are going to highlight seven of those national park sites and touch on a few more. Let’s jump... --- ---