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That's a laptop evolved with Intel Evo Platform. It's great to have you here on the Clark Howard Show. You know, our mission is to serve you with advice and information that empowers you to make better financial decisions in your life.

We recently had a series of questions about shopping for auto insurance because people are in shell shock how much

auto insurance has gone up and I've addressed it many different ways recently, but I did some digging that is hopefully

going to be useful to you.

I've got some stats about the differences in what various insurers are raising rates,

and I wanted you to be aware of that so you understand when you get a notice from your

insurer of a big rate increase, you're not going

to be a sitting duck if you follow my guidance here.

And speaking of your vehicle, have you noticed car washes popping up all over the place?

What's going on and how do you play with your wallet the car wash wars I'm going to tell you.

So a lot of state insurance departments are what are known as captive regulators.

They are dependent on the auto insurers and homeowners insurers to the point that instead of being impartial or

being on guard to help consumers they become really the agents and allies of the insurance industry.

There are a number of reasons why that happens, but it's just a fact.

You can tell this because they'll keep things secret that the state

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