Don’t fall for the car with no title. If the price of an automobile is too low, it probably means it has issues. One of them could be that the seller doesn’t have the title. When shopping for cars online, the first question should be, ‘Do you have the title?’

If you were born after 2000, you probably know how to do everything through a computer online or an app on your phone. The smartphone is always in your hand, and you probably spend little time reading a book or writing letters in cursive. You don’t need an old dog like me telling you how to buy auto insurance for your Hyundai. A direct insurance policy might be best for you. You know how to download apps to your phone and manage your account. Since you probably haven’t accumulated many assets at this point in your life, you probably don’t care if you have enough insurance if you cause an accident. What will the victim do? Sue you for millions that you don’t have? Go ahead. Buy the minimum. No artificial intelligence agent online will talk you into protecting your current and future income and assets.

I’ve had thousands of customers come and go throughout my career. Some stay a month; others stick around for 20 years. Whatever your insurance needs, I’m happy to help as long as you remain my client. However, switching insurance or lapsing your policy too frequently will affect future insurance costs.

Dennis from Cornelius, Oregon, worked nights at a food processing and packaging plant. At 6:00 a.m., driving home from his shift, a car ran a stop sign and hit him. The impact occurred near the driver’s side rear wheel, missing Dennis by just inches. When he got out to assess the damage and talk to the other car’s driver, they backed away, ripping pieces from his car, and drove off. It was dark; he couldn’t make out the details of the other vehicle or driver. Fortunately, although stiff and sore, he could walk away from the crash.