Few drivers have escaped the pain of soaring insurance premiums over the past two years. But the worst may still lie ahead for many in California, where sharply higher minimum coverage requirements take effect in January and insurers are still playing catch-up with rate hikes after decades of lagging behind due to regulatory hurdles.

To gift a car in Michigan, you’ll need to fill out the back of the title, then visit the Secretary of State’s office with your giftee.

MedPay is a car insurance add-on that covers medical bills for you and your passengers after an auto accident.