Here Are the Most and Least Expensive States for Car Insurance

iStock
iStock

Owning a car comes with plenty of hidden expenses. But there’s one extra cost you may be paying that’s especially easy to miss: On top of gas, taxes, and maintenance fees, you may be charged higher-than-average car insurance premiums depending on where you live.

As Forbes reports, Insure.com recently published its annual ranking of car insurance rates for all 50 states and Washington, D.C. Prices vary from state to state due to a variety of factors. Areas with severe weather conditions, dense populations, high percentages of uninsured drivers, and strict auto insurance laws are more likely to hike rates for their residents.

In Michigan, for example, motorists pay annual premiums of $2394—$1076 more than the national average of $1318. Insure.com attributes this to the state’s no-fault car insurance law, which requires all car owners to buy personal injury protection insurance for themselves and their family members in case of an accident. Michigan’s steep insurance costs mean many drivers simply refuse to pay them, which results in rates rising even higher in the state.

Other expensive locations on the list include Louisiana, where annual premiums average $1921, and Connecticut, with premiums averaging $1897. If you’re looking to reduce your auto costs to the bare minimum, consider moving to Maine. The state’s dispersed population and lack of destructive weather contribute to average premiums of $864, 34 percent less than the national average. You can view the full ranking below.

1. Michigan: $2394

2. Louisiana: $1921

3. Connecticut: $1897

4. Rhode Island: $1848

5. Florida: $1840

6. Washington D.C.: $1696

7. California : $1673

8. Wyoming: $1538

9. Delaware: $1526

10. Texas: $1506

11. Oklahoma: $1476

12. Georgia: $1440

13. Arkansas: $1409

14. New Jersey: $1375

15. West Virginia: $1369

16. Kentucky: $1365

17. New York: $1352

18. Colorado: $1351

19. Arizona: $1348

20. Nevada: $1342

21. Maryland: $1327

22. Mississippi: $1326

23. Pennsylvania: $1313

24. Oregon: $1308

25. Hawaii: $1294

26. North Dakota: $1291

27. South Carolina: $1286

28. Massachusetts: $1242

29. Minnesota: $1241

30. Alabama: $1226

31. Montana: $1217

32. Washington: $1216

33. New Mexico: $1201

34. Kansas: $1192

35. Tennessee: $1186

36. Illinois: $1159

37. Wisconsin: $1154

38. Alaska: $1132

39. New Hampshire: $1124

40. Nebraska: $1112

41. Missouri: $1107

42. Utah: $1068

43. South Dakota: $1058

44. Virginia: $1040

45. Indiana: $1021

46. Iowa: $1017

47. North Carolina: $1010

48. Vermont $948

49. Idaho: $942

50. Ohio: $919

51. Maine: $864

[h/t Forbes]

Save Up to 80 Percent on Furniture, Home Decor, and Appliances During Wayfair's Way Day 2020 Sale

Wayfair
Wayfair

From September 23 to September 24, customers can get as much as 80 percent off home decor, furniture, WFH essentials, kitchen appliances, and more during the Wayfair's Way Day 2020 sale. Additionally, when you buy a select Samsung appliance during the sale, you'll also get a $200 Wayfair gift card once the product ships. Make sure to see all that the Way Day 2020 sale has to offer. These prices won’t last long, so we've also compiled a list of the best deals for your home below.

Rugs

AllModern/Wayfair

- Mistana Hillsby Power Loom Beige Saffron/Teal Rug $49 (save $97)

- Wrought Studios Shuff Abstract Blue Area Rug $100 (save $105)

- All Modern Lydia Southwestern Cream/Charcoal Area Rug $49 (save $100)

- Union Rustic Gunter Power Loom Blue/Khaki Rug $22 (save $38)

- Willa Arlo Interiors Omri Oriental Light Gray/Ivory Area Rug $49 (save $149)

Furniture

Langley Street/Wayfair

- Alwyn Home 14-inch Medium Gel Memory Foam King Mattress $580 (save $1420)

- Andover Mills Pascal Upholstered King Bed Frame $318 (save $832)

- Sol 72 Outdoor 8-Piece Sectional Seating Group with Cushions $650 (save $1180)

- Langley Street Darren 68-Inch Tuxedo Arm Sofa $340 (save $1410)

- Three Posts Tyronza Coffee Table $147 (save $193)

Kitchen

NutriBullet/Wayfair

- Cuisinart 11-Piece Aluminum Non Stick Cookware Set $100 (save $200)

- Rachael Ray Cucina 10-Piece Non-Stick Bakeware Set $92 (save $108)

- NutriBullet Rx Smart 45-Ounce Personal Countertop Blender $124 (save $56)

- Henckels Graphite 13-Piece Knife Block Set $160 (save $340)

- DeLonghi ECP3220 15-Bar Pump Espresso Machine $120 (save $90)

Electronics

Samsung/Wayfair

- Samsung 36-Inch French Door Energy Smart Refrigerator $3600 (save $400)

- Cosmo 30-Inch Freestanding Electric Range Oven $1420 (save $1580)

- Whynter 19-Bottle Single Zone Built-In Wine Refrigerator $380 (save $232)

- bObsweep PetHair Robotic Vacuum Cleaner with Mop Attachment $226 (save $443)

- Rowenta Focus 1700 Iron with Burst of Steam $68 (save $47)

Work From Home Essentials

Foundery Select/Wayfair

- Techi Mobili Adjustable Laptop Cart $50 (save $20)

- Foundry Select Arsenault Farmhouse Desk $210 (save $190)

- Symple Stuff Clay Mesh Task Chair $128 (save $121)

- Three Posts Salina Standard Bookcase $183 (save $617)

- Lorell Hard Floor Chairmat $52 (save $39)

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Want to Fall Asleep Faster? Try This Breathing Technique

Andrea Piacquadio, Pexels
Andrea Piacquadio, Pexels

Struggling to fall asleep can feel like a hopeless battle. It often seems like the harder you try turning your brain off, the less likely it is to happen. One way to trick yourself into falling asleep fast is finding something to concentrate on other than how long you've been awake. For nights when your thoughts just won't stay quiet, try the 4-7-8 technique.

According to Simplemost, the 4-7-8 breathing method is meant to combat anxiety, restlessness, and other enemies of a good night's sleep. The actual technique is simple: Just inhale for four seconds, hold your breath for seven seconds, and exhale for eight seconds. Like counting sheep, measuring out your breaths gives your brain something to do that isn't obsessing about your hectic day or the day ahead.

Taking slow, deliberate breaths has also been proven to reduce stress. Neurons that influence calmness have been found in the breathing control centers of mouse brains. In humans, deep breathing has long been central to mindfulness practices like yoga and meditation. The 4-7-8 breathing technique functions as both a distraction from your thoughts and a way to combat any anxious sensations that may be keeping you awake.

The next time you find yourself tossing and turning at night, try anywhere between three and eight rounds of this breathing technique to calm your body and mind. And to get the best rest possible, make sure you're settling into the best sleep position for your health.

[h/t Simplemost]