Some of the states in the country have extraordinarily high auto insurance premiums. If you happen to live in those states, you may have to pay almost double the premium rates as compared to other states. Louisiana, Oklahoma, Michigan, West Virginia, and Washington DC are known to have high premiums. Louisiana tops the lists with an annual average

No-fault insurance is designed to promptly pay personal injury claims and lower potential litigation costs. No-fault insurance often includes or requires personal injury protection (PIP) coverage, which can pay for each insured's medical care (and more) after an accident, regardless of fault.

After market auto parts are not only equally-effective, they are cost-effective as well. When refurbished properly, they work just as well but cost less than brand new parts. So as long as you purchase your after market auto parts from a reliable vendor, they should be a sufficient and affordable alternative to OEM auto parts.