Skip to navigationSkip to main content':"";if(a){var r=n.promos.showYahooLogo?"":"yns-no-logo";a=a.replace("{notifOnboardBtnLabel}",n.promos.notifOnboardBtnLabel).replace("{notifOnboardMsg}",n.promos.notifOnboardMsg).replace("{subscriptionTopic}",n.promos.subscriptionTopic).replace("{noLogoClass}",r).replace("{promoLogo}",n.promos.promoLogo)}var s=t.newCount>n.panel.maxCount?t.newCount:"",c=n.panel.notificationCenterPath,l=c?"":R,u=n.panel.headerMsg?"":" "+R,d=c?H:"",p=void 0;t.count?p=t.markup:p='{emptyPanelMsg}'.replace("{emptyPanelMsg}",n.panel.emptyPanelMsg);return e=e.replace("{notifMarkup}",p).replace("{promoMarkup}",a).replace("{hideClass}",l).replace("{notifCenterLink}",c).replace("{paddingClass}",d).replace("{headerMsg}",n.panel.headerMsg).replace("{hideHeaderClass}",u).replace(/{notificationCenterNavMsg}/g,n.panel.notificationCenterNavMsg).replace(/{newCount}/g,s)}},{key:"render",value:function(e,t){var n=this;if(n._panelNode){var o=void 0,i=n._panelNode,a=void 0,r=void 0;switch(e){case"expanded_panel":o='{promoMarkup}{notifMarkup}',r=n._store.getNotifications(),a=n._generatePanelMarkup(o,r),i.innerHTML=a;break;case"error_panel":a=(o='{errorMsg}').replace("{errorMsg}",n._config.panel.errorMsg),i.innerHTML=a}t&&t()}else t&&t(new Error("No panel parent"))}},{key:"createPanelParentNode",value:function(e){e&&(e.innerHTML='',this._panelNode=document.getElementById(P))}},{key:"updateBadgeNode",value:function(e){if(e){var t=this._store.getNotifications().newCount,n=this._config.badge.maxCount;if(t){var o=t>n?n+"+":t;e.innerHTML=o}else e.innerHTML=""}}},{key:"addStyles",value:function(e){if(e&&"undefined"!=typeof window){var t=document.getElementById(this._config.panel.styleTagId);t||((t=document.createElement("style")).type="text/css",t.id=this._config.panel.styleTagId,t.innerText=e,document.head.appendChild(t))}}}]),e}(),j=function(){function e(t,n,o){E(this,e);var i=this;i._store=n,i._view=o,i._config=t;var a=i._config.panel;i._panelParentNode=document.querySelector(a.parentSelector),i._badgeNode=i._config.badge.selector&&document.querySelector(i._config.badge.selector),i._indicatorNode=a.indicatorSelector&&document.querySelector(a.indicatorSelector)}return k(e,[{key:"createPanelParentNode",value:function(){this._view.createPanelParentNode(this._panelParentNode),this._notifPanelNode=document.getElementById(P)}},{key:"refreshPanelNode",value:function(e,t){var n=this;x(n._notifPanelNode,D),n._store.fetchNotifications(e,(function(e,o){var i=window.wafer&&window.wafer.base;i&&i.destroy(n._notifPanelNode),e?n._notifPanelNode.innerHTML||(n._view.render("error_panel"),x(n._notifPanelNode,D)):(n._view.render("expanded_panel"),n._view.updateBadgeNode(n._badgeNode),n._showBadge(),n._showIndicator(),n._view.addStyles(o.css)),N(n._notifPanelNode,D),i&&i.sync(n._notifPanelNode.parentNode),t&&t(e,o)}))}},{key:"resetBadge",value:function(){var e=this;e._store.resetNewCount(),e._view.updateBadgeNode(e._badgeNode),x(e._badgeNode,e._config.badge.hideClass)}},{key:"_showIndicator",value:function(){this._indicatorNode&&(this._store.getNotifications().newCount?x(this._indicatorNode,this._config.panel.indicatorClass):N(this._indicatorNode,this._config.panel.indicatorClass))}},{key:"_showBadge",value:function(){var e=this;e._store.getNotifications().newCount?N(e._badgeNode,e._config.badge.hideClass):x(e._badgeNode,e._config.badge.hideClass)}}]),e}(),Y={promos:{eligibleBodyClass:"display-push-promos",enableNotifOnboard:!0,bypassEligibleClassCheck:!1,notifOnboardBtnLabel:"Notify Me",notifOnboardMsg:"Get alerts for breaking news and top stories",promoLogo:"https://s.yimg.com/cv/apiv2/ae/news/circle_bell.png",showYahooLogo:!0,subscriptionTopic:"gondor_homerun_news"},badge:{hideClass:"",maxCount:5,selector:""},panel:{emptyPanelMsg:"You have no new notifications.",errorMsg:"",headerMsg:"Notifications",imageTag:"img:40x40|2|80",indicatorClass:"yns-indicator",indicatorSelector:null,maxCount:6,notificationCenterNavMsg:"View all {newCount} notifications",notificationCenterPath:"",notificationTypes:"",parentSelector:null,styleTagId:"notificationStyles",theme:"default"},service:{attemptCount:1,attemptDelay:2,url:null,resetUrl:null,isRMP:!1,responseType:"json",timeout:1500}},F={NotificationClient:function(){function e(t){E(this,e);var n=this;n.config=n._parseConfig(t),n._validateRequiredConfigs()&&(n._request=new S(n.config),n._store=new B(n.config,n._request),n._view=new U(n.config,n._store),n._panelController=new j(n.config,n._store,n._view),n._panelController.createPanelParentNode(),n._assignHelperMethods())}return k(e,[{key:"_parseConfig",value:function(e){var t={};for(var n in I(t,Y),t)if(t.hasOwnProperty(n)){var o=t[n],i=e[n];"object"===(void 0===o?"undefined":L(o))?I(o,i):t[n]=e[n]}return t}},{key:"_validateRequiredConfigs",value:function(){var e=this.config;return!(!e.panel.parentSelector||!e.service.url)}},{key:"_assignHelperMethods",value:function(){var e=this;e.helpers={refreshPanelNode:e._panelController.refreshPanelNode.bind(e._panelController),resetBadge:e._panelController.resetBadge.bind(e._panelController),resetIndicator:function(){N(e._panelController._indicatorNode,e.config.panel.indicatorClass)}}}}]),e}()},z="lnct",W=function(){function e(){var e,t;this.personalized=!1,this.ybarElem=document.getElementById("ybar"),this.partnerClasses=null===(t=null===(e=this.ybarElem)||void 0===e?void 0:e.className)||void 0===t?void 0:t.match(/ybar-variant-([a-z]*)/),this.client=new F.NotificationClient(this.getConfig())}return e.prototype.refreshPanel=function(){var e,t,n,o=this,i={lastUpdate:this.getTimeStamp()||this.setTimeStamp(),loadInHpViewer:!0,includePersonalized:this.personalized},a=(null===(e=window.YAHOO)||void 0===e?void 0:e.context)||(null===(t=window.Af)||void 0===t?void 0:t.context)||{};return a.region&&a.lang&&(i.lang=a.lang,i.region=a.region),(null===(n=this.partnerClasses)||void 0===n?void 0:n.length)&&(i.partner=this.partnerClasses[1]),new Promise((function(e,t){o.client.helpers.refreshPanelNode({matrixParams:i},(function(n,o){n&&(l("Notification refresh error:",n),t(n)),e(o)}))}))},e.prototype.resetBadge=function(){this.client.helpers.resetBadge(),this.setTimeStamp()},e.prototype.getConfig=function(){var e,t,n,o,i,a=document.getElementById("notification-container"),r=null===(e=null==a?void 0:a.dataset)||void 0===e?void 0:e.config;if(q&&!r)return q;var s={promos:{eligibleBodyClass:"display-push-promos",enableNotifOnboard:!0},badge:{selector:"#notif-badge",hideClass:"ybar-notification-hidden"},panel:{emptyPanelMsg:"You have no new notifications.",errorMsg:"Please check back later.",headerMsg:"Notifications",maxCount:5,parentSelector:"#ybarNotificationBody",notificationTypes:"breakingNews"},service:{url:"/tdv2_fp/api/resource/NotificationHistory.getHistory",isRMP:!1}},c={};if(r){"att"===(null===(t=this.partnerClasses)||void 0===t?void 0:t[1])&&(s.promos.showYahooLogo=!1);try{var u=JSON.parse(r);c=m({},u),this.personalized=1===u.personalize}catch(e){l("Notifications config parsing error",e)}a&&delete a.dataset.config}return q=this.mergeConfigs(s,c),(null===(n=this.partnerClasses)||void 0===n?void 0:n.length)&&"yahoo"!==(null===(o=this.partnerClasses)||void 0===o?void 0:o[1])&&(null===(i=q.promos)||void 0===i?void 0:i.subscriptionTopic)&&delete q.promos.subscriptionTopic,q},e.prototype.mergeConfigs=function(e,t){var n=m({},e);for(var o in e)n[o]=m(m({},e[o]),t[o]);return n},e.prototype.getTimeStamp=function(){var e;return null===(e=window.localStorage)||void 0===e?void 0:e.getItem(z)},e.prototype.setTimeStamp=function(){var e,t=""+Math.floor((new Date).getTime()/1e3);return null===(e=window.localStorage)||void 0===e||e.setItem(z,t),t},e}(),G=new W,K=function(){return G},J="",V=[],$=function(){},X=function(){window.removeEventListener("beforeunload",X),""!==J&&l("Rapid not found on page",new Error(J))},Z=null,Q=function(){return null===Z&&(Z=document.getElementById("ybar")),Z},ee=function(){var e=0,t=window.YAHOO;if(T)return T;if(t)if(t.i13n)if(t.i13n.__RAPID_INSTANCES__)if(t.i13n.__RAPID_INSTANCES__.length0)for(var n=0;n0){if(T.addModules(i,!1,o),V.length>0)for(e=0;e40959)&&(i19903)&&(i55215))return!1}return!0},ve={navBeaconFired:!1},ye=["ready","navigation"],he=function(){function e(e){var t=this;this.triggerEvent=s,this.addEventListener=c,this.logError=l,this.logPerformance=u,this.getConfig=d,this.getPerformanceMetrics=p,this.rapidRefresh=ne,this.state=m({},ve),this.modules=e,this.userEmail="",window.YBAR&&(ye.forEach((function(e){var n="on".concat(e),o=window.YBAR[n];o&&(t[n]=o)})),window.YBAR.wssid&&(this.wssid=window.YBAR.wssid),window.YBAR.appid&&(this.appid=window.YBAR.appid)),ye.forEach((function(e){var n="on".concat(e);c(e,(function(){for(var o,i=[],a=0;a0){if(o&&i){var n=t>99;o.classList.add("".concat(At)),i.classList.add("count-loaded"),o.textContent=n?"99+":t+"",n?o.classList.add("".concat(Ct)):t>=10&&o.classList.add("".concat(St))}e.onDestroy((function(){o&&(o.textContent="")}))}})).catch((function(){}))}(e,s)}));var Ut="_yb_1e46uhr",jt=function(e,t){var n;t.logoImages&&(n=t.logoImages).length>0&&Array.prototype.forEach.call(n,(function(e){e.onerror=function(){e.onerror=null,e.style.display="none"}})),t.wrapper&&(function(e,t){e&&(xe("#ybar-logo","#ybar-logo",t),t.onDestroy((function(){e.classList.remove("ybar-show-outline"),e.classList.remove("ybar-hide-outline")})))}(t.wrapper,e),function(e,t){t&&e.addElementListener(t,"click",(function(){e.triggerEvent("logo-click")}))}(e,t.wrapper))};ge("ybar-mod-logo",(function(e){var t={wrapper:document.getElementById("ybar-logo"),logoImages:document.querySelectorAll(".".concat(Ut))};jt(e,t)}));var Yt={"dropdown-open":"_yb_1qr55t8","merchant-is-selected":"_yb_hpfgev",overlay:"_yb_1t4opbo","selected-merchant-clear-button":"_yb_sdzekv","shops-buttons":"_yb_1gmhi8h","styled-select":"_yb_1fed2vs",tooltip:"_yb_156j5sr","tooltip--show":"_yb_t94u7s",tooltip__text:"_yb_149d3c6",tooltip__voice:"_yb_rkldcd",tooltip__web:"_yb_1bze76z",dark:"_yb_of9a42",darker:"_yb_1br2rz9",light:"_yb_p0373k","search-border-gradient":"_yb_109k2ga","search-border-gradient-hover":"_yb_vljmzl",midnight60:"_yb_1o792pg","search-input-uh3-hover":"_yb_15ox84z","search-input-uh3-focus-visible":"_yb_1e6541m","sa-btn-bar":"_yb_1axm66t","searchbox-icon-uh3":"_yb_1uef33k",empty:"_yb_owcm9n"},Ft=function(e,t){var n=Math.max(e,t),o=Math.min(e,t),i=Math.abs(n-o);return b([],h(new Array(i+1)),!1).map((function(e,t){return o+t}))},zt=function(e,t,n){var o=e.getConfig().bucketConfig,i=(void 0===o?{}:o).enable_search_ui,a=void 0!==i&&i;if(t.ybar){t.ybar.classList.add("ybar-searchbox-assist-fullscreen"),document.documentElement.classList.add("ybar-overlay"),document.body.classList.add("ybar-overlay-noscroll");te("ybar","websrch","",{elm:"expand",subsec:"searchbox",itc:"1"}),setTimeout((function(){t.searchInput instanceof HTMLInputElement&&(n&&(t.searchInput.value=n),t.searchInput.focus(),a&&window.YAHOO&&window.YAHOO.SA&&window.YAHOO.SA.apps&&window.YAHOO.SA.apps[0]&&window.YAHOO.SA.apps[0].view&&!window.YAHOO.SA.apps[0].view.shown&&window.YAHOO.SA.apps[0].view.show())}))}},Wt=function(e){var t;null===(t=e.ybar)||void 0===t||t.classList.remove("ybar-searchbox-assist-fullscreen"),document.documentElement.classList.remove("ybar-overlay"),document.body.classList.remove("ybar-overlay-noscroll"),e.searchInput instanceof HTMLInputElement&&(e.searchInput.value="",e.searchInput.blur())},Gt=function(e,t){var n=e.getConfig();"smartphone"===n.device&&("finance"===n.property&&"crunch"===n.ytheme&&e.addElementListener(t.searchInput,"click",(function(){var n,o;n="search_input_focus_click",null!==(o=re())&&(oe[n]||(oe[n]=o)),e.addElementListener(t.searchForm,"click",(function(){if(t.ybar){if(t.ybar.classList.contains("ybar-searchbox-assist-fullscreen"))return;t.ybar.classList.add("ybar-searchbox-assist-fullscreen"),t.ybar.classList.add("ybar-searchbox-assist-fadein")}if(!document.documentElement.classList.contains("ybar-overlay")){document.documentElement.classList.toggle("ybar-overlay"),document.body.classList.add("ybar-overlay-noscroll");te("ybar","websrch","",{elm:"expand",subsec:"searchbox",itc:"1"})}}))})),e.addElementListener(t.searchBoxPlaceholder,"click",(function(){zt(e,t)})),e.addElementListener(t.searchBoxPlaceholder,"keydown",(function(n){var o=n,i=o.keyCode,a=o.key,r=Ft(65,90),s=b(b([],h(Ft(58,57)),!1),h(Ft(96,105)),!1),c=b(b([],h(r),!1),h(s),!1).includes(i);(32===i||13===i||c)&&(n.preventDefault(),n.stopPropagation(),zt(e,t,c?a:""))})),t.searchBoxBackButton&&(e.addElementListener(t.searchBoxBackButton,"click",(function(e){e.stopPropagation(),window.YAHOO&&window.YAHOO.SA&&window.YAHOO.SA.apps&&window.YAHOO.SA.apps[0]&&(window.YAHOO.SA.apps[0].view.resetQuery(),window.YAHOO.SA.apps[0].view.hide()),Wt(t);te("ybar","back-close-srch","",{elm:"btn",subsec:"searchbox",itc:"1"})})),e.addElementListener(t.searchInput,"keyup",(function(e){e.stopPropagation();27===e.keyCode&&(e.stopPropagation(),Wt(t))}))),e.addEventListener("viewerClosed",(function(){Wt(t)})),e.onDestroy((function(){Wt(t)})))},Kt=function(){function e(e,t,n){t&&(this.ybar=e,this.elem=t,this.options=n,this.show=this.show.bind(this),this.hide=this.hide.bind(this),this.addEventListeners())}return Object.defineProperty(e.prototype,"tooltip",{get:function(){var e=this;return this.tooltipMarkup||(this.tooltipMarkup=this.createTooltip(),(this.options.tooltipParentElm||this.elem).appendChild(this.tooltipMarkup),this.ybar.onDestroy((function(){var t,n;null===(n=null===(t=e.tooltipMarkup)||void 0===t?void 0:t.parentNode)||void 0===n||n.removeChild(e.tooltipMarkup)}))),this.tooltipMarkup},enumerable:!1,configurable:!0}),e.prototype.show=function(){this.tooltip.classList.add(this.options.showClass)},e.prototype.hide=function(){this.tooltip.classList.remove(this.options.showClass)},e.prototype.addEventListeners=function(){this.ybar.addElementListener(this.elem,"mouseenter",this.show),this.ybar.addElementListener(this.elem,"focus",this.show),this.ybar.addElementListener(this.elem,"mouseleave",this.hide),this.ybar.addElementListener(this.elem,"blur",this.hide)},e.prototype.createTooltip=function(){var e=document.createElement("div");e.className=this.options.containerClass||"";var t=document.createElement("p");return t.textContent=this.options.label,t.className=this.options.textClass||"",e.appendChild(t),e},e}(),Jt={containerClass:Yt.tooltip,textClass:Yt.tooltip__text,showClass:Yt["tooltip--show"]};ge("ybar-mod-searchbox",(function(e){var t,n=e.getConfig(),o={ybar:document.getElementById("ybar"),searchInput:document.getElementById("ybar-sbq"),buttonBar:document.querySelector(".".concat(Yt["sa-btn-bar"])),searchForm:document.getElementById("ybar-sf"),searchBoxIcon:document.querySelector(".".concat(Yt["searchbox-icon-uh3"])),searchBoxPlaceholder:document.getElementById("ybar-smartphone-searchbox-placeholder"),searchBoxBackButton:document.getElementById("ybar-search-back-btn"),shopsButtonsWrap:document.querySelector(".".concat(Yt["shops-buttons"])),categorySelect:document.getElementById("shops-category-select"),selectedMerchantInput:document.getElementById("selected-merchant-input"),selectedMerchantClearButton:document.querySelector(".".concat(Yt["selected-merchant-clear-button"])),submitSearchBtn:document.getElementById("ybar-search"),clearSearchBtn:document.getElementById("ybar-sbq-x"),searchGradientBorder:document.querySelector(".".concat(Yt["search-border-gradient"]))};if(function(e,t){var n,o,i,a=e.getConfig();if(t.ybar&&["desktop","tablet"].includes(a.device)&&(null===(n=a.bucketConfig)||void 0===n?void 0:n.highlight_searchassist)&&(null===(o=a.bucketConfig)||void 0===o?void 0:o.overlay_class)){t.ybar.setAttribute("data-ovrly-bkt",a.bucketConfig.overlay_class),null===(i=t.searchForm)||void 0===i||i.classList.add(Yt[a.bucketConfig.overlay_class]);var r=document.createElement("div");r.classList.add(Yt.overlay,Yt[a.bucketConfig.overlay_class]),document.body.appendChild(r),e.onDestroy((function(){document.body.removeChild(r)})),e.addElementListener(t.searchForm,"focusout",(function(e){if(t.searchForm&&t.searchInput){var n=e.relatedTarget;n&&!t.searchForm.contains(n)&&window.YAHOO.SA&&window.YAHOO.SA.apps&&window.YAHOO.SA.apps[0]&&window.YAHOO.SA.apps[0].view.shown&&window.YAHOO.SA.apps[0].view.hide()}}))}}(e,o),Gt(e,o),o.searchGradientBorder){var i=!1;o.searchInput.addEventListener("keydown",(function(e){var t=e.code,n=e.key,a=t.startsWith("Key"),r=t.startsWith("Digit"),s=/^[!@#$%^&*()_+\-=[\]{};':"\\|,./?`~]$/.test(n);(a||r||s)&&!i&&(o.searchGradientBorder.classList.add("".concat(Yt["search-border-gradient-hover"])),i=!0)})),e.addElementListener(o.searchForm,"mouseover",(function(){i||o.searchGradientBorder.classList.add("".concat(Yt["search-border-gradient-hover"]))})),e.addElementListener(o.searchForm,"mouseout",(function(){i||o.searchGradientBorder.classList.remove("".concat(Yt["search-border-gradient-hover"]))})),e.addElementListener(o.searchInput,"click",(function(){i=!0})),e.addElementListener(o.searchInput,"blur",(function(){o.searchGradientBorder.classList.remove("".concat(Yt["search-border-gradient-hover"]))}))}o.searchForm&&(e.addElementListener(o.searchBoxIcon,"mouseover",(function(){o.searchForm.classList.add("".concat(Yt["search-input-uh3-hover"]))})),e.addElementListener(o.searchBoxIcon,"mouseout",(function(){o.searchForm.classList.remove("".concat(Yt["search-input-uh3-hover"]))})),e.addElementListener(o.buttonBar,"mouseover",(function(){o.searchForm.classList.add("".concat(Yt["search-input-uh3-hover"]))})),e.addElementListener(o.buttonBar,"mouseout",(function(){o.searchForm.classList.remove("".concat(Yt["search-input-uh3-hover"]))})),e.addElementListener(o.searchInput,"keyup",(function(e){"Tab"===e.key&&o.searchForm.classList.add("".concat(Yt["search-input-uh3-focus-visible"])),o.searchInput.classList.toggle("".concat(Yt.empty),""===o.searchInput.value)})),e.addElementListener(o.searchInput,"keydown",(function(){o.searchForm.classList.remove("".concat(Yt["search-input-uh3-focus-visible"]))})),e.addElementListener(o.searchInput,"focusout",(function(){o.searchForm.classList.remove("".concat(Yt["search-input-uh3-focus-visible"]))})),e.addElementListener(o.submitSearchBtn,"click",(function(e){""===o.searchInput.value.trim()&&e.preventDefault()})),e.addElementListener(o.clearSearchBtn,"click",(function(){o.searchInput.classList.add("".concat(Yt.empty))}))),o.submitSearchBtn&&"crunch"===n.ytheme&&new Kt(e,o.submitSearchBtn,m(m({},Jt),{label:null!==(t=n.i18n.root.SEARCH_TOOLTIP_WEB)&&void 0!==t?t:"Search the web",containerClass:"".concat(Yt.tooltip," ").concat(Yt.tooltip__web),tooltipParentElm:o.clearSearchBtn.parentElement}))}));var Vt="_yb_tdk4ba",$t="_yb_hkd17a",Xt="_yb_rtzclf",Zt="_yb_tdbhj6",Qt="_yb_de52ef",en="_yb_9hwrey",tn="_yb_slc8ta",nn="_yb_bf0svp",on="_yb_hjic9z";ge("ybar-mod-adaptivenav",(function(e){var t=document.querySelector("#ybar-l1-more-menu ul"),n={moreDropDown:document.querySelector(".".concat(Vt)),moreBtn:document.querySelector(".".concat($t)),wrap:document.querySelector(".".concat(Zt)),moreSectionTitle:document.querySelectorAll(".".concat(Qt)),editionsCtaBtn:document.querySelector(".".concat(en)),editionsMenu:document.querySelector(".".concat(tn)),closeBtn:document.querySelector(".".concat(nn)),moreMenuDropDownHeight:t?"".concat(t.offsetHeight+48,"px"):"0"};new Ke(e,{adaptiveNavBtn:n.moreBtn,containerElm:n.moreDropDown,innerContainerElm:n.editionsMenu,isAdaptiveNav:!0});var o=!1,i=function(t,n){var o=t.moreDropDown,i=t.moreBtn,a=t.wrap,r={sec:"ybar",slk:"More",elm:"expand",pkgt:"top",subsec:"navrail",itc:"1"};o&&i&&a&&o.classList.contains("".concat(Vt))&&(o.style.height=t.moreMenuDropDownHeight,o.classList.remove("".concat(Vt)),a.classList.add("".concat(Xt)),i.setAttribute("aria-expanded","true"),r.elm="expand",e.triggerEvent("adapnav:more:show",{event:n}),te("ybar",r.slk,"",r))},a=function(e,t){void 0===t&&(t=!1);var n=e.moreDropDown,i=e.moreBtn,a=e.wrap,r={sec:"ybar",slk:"More",elm:"close",pkgt:"top",subsec:"navrail",itc:"1"};n&&i&&a&&(n.classList.contains("".concat(Vt))||(n.classList.add("".concat(Vt)),n.style.height="0",a.classList.remove("".concat(Xt)),i.setAttribute("aria-expanded","false"),o||t||te("ybar",r.slk,"",r)))},r=function(e,t){void 0===t&&(t=!1);var n=e.editionsMenu,o={sec:"ybar",slk:"More",elm:"close",pkgt:"top",subsec:"navrail",itc:"1"};null==n||n.close(),null==n||n.classList.remove("".concat(on)),t||te("ybar",o.slk,"",o)},s=function(){var e;window.innerWidth a"),o=document.querySelector("#ybar-navigation-item-mail > a > span");null!==t&&null!==n&&(new Rt).fetchCount().then((function(t){o&&t>0&&(o.textContent="("+(t>99?"99+":t)+")",e.onDestroy((function(){o.textContent=""})))})).catch((function(){}))},Rn=!1,Hn=-1,Un=function(e,t,n){var o,i,a,r=-1,s=0;if(e.ybarNav&&e.navList){var c=window.getComputedStyle(e.ybarNav),l=parseInt(c.width,10)-parseInt(c.paddingLeft,10)-parseInt(c.paddingRight,10),u=61,d=e.navigationPlacement();if(d)u+=d.getBoundingClientRect().width;if(Sn)u+=Sn.getBoundingClientRect().width;for(var p=window.getComputedStyle(e.navList),f=parseInt(p.gap,10)||0,m=0;mg&&(m!==e.navItems.length-1||s+h>g||e.moreMenuDropdown&&e.moreMenuDropdown.hasChildNodes()&&Hn10?e.moreMenuDropdown.classList.add(e.longListClass):null!==e.moreMenuDropdown&&e.moreMenuDropdown.classList.remove(e.longListClass))}},jn=function(e,t){var n,o=function(e,n){var o;e.classList.contains(t.moreMenuNavItemClass)&&(null===(o=t.moreMenuMainFocusItem)||void 0===o||o.setAttribute("aria-expanded",n))},i=function(){t.isTablet&&(document.body.classList.remove("ybar-nav-open"),document.body.removeEventListener("touchend",u))},a=function(n){var i=n.delegateTarget;i&&i.classList.contains(t.dropdownWrapperClass)&&(i.classList.contains(t.dropdownOpenClass)||(e.triggerEvent("nav:dropdown:show",{event:n}),t.isTablet&&(document.body.classList.add("ybar-nav-open"),document.body.addEventListener("touchend",u)),i.classList.add(t.dropdownOpenClass),o(i,"true")))},r=function(e){var n=e.delegateTarget;if(null==n?void 0:n.classList.contains(t.navigationDropdownListClass)){var a=n.parentElement;a&&!a.contains(e.relatedTarget)&&a.classList.contains(t.dropdownWrapperClass)&&(i(),a.classList.remove(t.dropdownOpenClass),o(a,"false"))}else if(null==n?void 0:n.classList.contains(t.dropdownOpenClass)){if(t.isTablet&&e instanceof FocusEvent)return;var r=e.target;Sn&&(!Sn||Sn.contains(r)&&"focusout"!==e.type)||(i(),n.classList.remove(t.dropdownOpenClass),o(n,"false"))}},s=ze(".".concat(t.dropdownWrapperClass),"focusin",a),c=ze(".".concat(t.dropdownWrapperClass,", .").concat(t.navigationDropdownListClass),"focusout",r),l=document.getElementById("ybar-navigation"),u=function(e){var n=null==e?void 0:e.target;t.isTablet&&e&&e.target&&e.target instanceof HTMLElement&&(e.target.classList.contains(t.dropdownOpenClass)||e.target.closest(".".concat(t.dropdownOpenClass)))||document.body.classList.contains("ybar-nav-open")&&!["svg","path"].includes(n.tagName)&&(null==l||l.querySelectorAll(".".concat(t.dropdownOpenClass)).forEach((function(e){e.classList.remove(t.dropdownOpenClass)})),i())};e.addEventListener("nav:closeOverflowMenu",(function(){u()}));var d=ze(".".concat(t.dropdownWrapperClass),"touchstart",(function(e){if(t.isTablet){var n=e.delegateTarget;n&&n.classList.contains(t.dropdownOpenClass)?r(e):(u(e),a(e))}})),p=null===(n=t.ybarNav)||void 0===n?void 0:n.querySelectorAll(".".concat(qn));null==p||p.forEach((function(t){var n=t.parentNode;n&&null!==document.querySelector(".ybar-ytheme-crunch")&&e.addElementListener(n,"mouseenter",(function(t){e.triggerEvent("nav:dropdown:show",{event:t})}))})),e.onDestroy((function(){var e;d.destroy(),s.destroy(),c.destroy(),b([],h(null===(e=t.ybarNav)||void 0===e?void 0:e.querySelectorAll(".".concat(t.dropdownOpenClass))),!1).forEach((function(e){e.classList.remove(t.dropdownOpenClass);var n=document.activeElement;(function(e,t){var n=!1;if(!e||!t)return n;if("function"==typeof e.contains)n=e.contains(t);else for(var o=t;o;){if(o===e){n=!0;break}o=o.parentElement}return n})(t.ybarNav,n)&&setTimeout((function(){null==n||n.blur()}),1)}))}))},Yn=function(e,t,n,o){for(var i=t||window.location.pathname,a=n||window.location.hostname,r=(o||{}).setParentFocus,s=void 0!==r&&r,c=b([],h(e.topLevelNavLinks),!1),l=null,u=null,d=0;d li"),dropdownClass:t.dropdownWrapperClass,enableMoreMenu:i,moreMenuNavElm:t.moreMenuMainFocusItem,isUserAccountNavigation:!1});!function(e,t){var n,o;b([],h(null===(n=t.ybarNav)||void 0===n?void 0:n.querySelectorAll(".".concat(t.dropdownOpenClass))),!1).forEach((function(e){return e.classList.remove(t.dropdownOpenClass)}));var i=e.getConfig();Sn=(null===(o=i.bucketConfig)||void 0===o?void 0:o.enable_mid_nav_placement)?document.getElementById("ybar-mid-nav-placement"):void 0,"news"===i.property?Cn=-12:(Cn="finance"!==i.property&&"sports"!==i.property&&t.shiftMoreMenuEnabled?-24:-16,"zh-Hant-HK"!==i.locale&&"zh-Hant-TW"!==i.locale||(Cn=-20));var a=t.isTablet?"touchstart":"mouseover",r=ze(".".concat(t.dropdownWrapperClass,", .").concat(t.navigationDropdownListClass),a,(function(n){if(window||document){var o=window.innerWidth||document.documentElement.clientWidth,a=n.delegateTarget;if(a&&-1!=a.className.indexOf(t.dropdownWrapperClass)&&(a=a.querySelector(".".concat(t.navigationDropdownListClass))),a){a.style.removeProperty("left");var r=a.getBoundingClientRect(),s=Math.trunc(r.right),c=parseInt(window.getComputedStyle(a).marginLeft,10)+o-s;if(s>o)return"sports"!==i.property?void(a.style.marginLeft=c+"px"):void(a.style.right="0px");if(parseInt(a.style.marginLeft)0?a.style.removeProperty("margin-left"):a.style.marginLeft=c+"px":(a.style.removeProperty("margin-left"),a.style.marginLeft=Cn+"px"),t.isTablet){var l=a.previousElementSibling;if(Sn&&Sn.contains(a));else if(l){var u=l.getBoundingClientRect(),d=Math.trunc(u.left);a.style.left=d+"px"}}}}else{var p=new Error("Dropdown could not be initialized");e.logError("Error:",p)}}));e.onDestroy((function(){r.destroy()}))}(e,t),Pn(e),e.addElementListener(document,"DOMContentLoaded",(function(){Pn(e)})),jn(e,t);var r=e.getConfig().bucketConfig,s=void 0===r?{}:r,c=s.enableDynamicNavfocus,l=void 0!==c&&c,u=s.enableFuzzyMatching;if(l&&(Rn=void 0!==u&&u,Yn(t)),e.addEventListener("nav:setFocus",(function(e){var n=e.detail,o=void 0===n?{}:n,i=o.hostname,a=void 0===i?window.location.hostname:i,r=o.pathname,s=void 0===r?window.location.pathname:r,c=o.options;Yn(t,s,a,void 0===c?{}:c)})),i){var d=document.createElement("style");d.title="ybar_nav_interim",document.head.appendChild(d);var p=ze("#ybar-nav-more-menu ul a","click",(function(t){e.triggerEvent("navigation",{event:t})}));e.addEventListener("nav:resize",(function(){Un(t,d,a)})),Un(t,d,a);var f=e.getConfig();if("complete"===document.readyState)Fn(e,t,d,a);else{var m="load";("news"===f.property&&("zh-Hant-TW"===f.locale||"zh-Hant-HK"===f.locale)||"finance"===f.property&&"zh-Hant-TW"===f.locale)&&(m="DOMContentLoaded"),e.addElementListener(window,m,(function(){Fn(e,t,d,a)}))}e.addElementListener(window,"resize",(function(){Un(t,d,a)})),e.onDestroy((function(){var e=d.parentNode;null==e||e.removeChild(d),p.destroy()}))}Gn(e,t)},Wn=function(e,t){var n=["zh-Hant-TW","zh-Hant-HK"].includes(e.getConfig().locale);return t.isFuji2&&n},Gn=function(e,t){if(t.isNavHidden){var n=!1;e.addElementListener(document,"DOMContentLoaded",(function(n){t.isNavHidden()&&e.triggerEvent("l2:hide",{event:n})})),e.addElementListener(window,"resize",(function(o){!n&&t.isNavHidden()&&e.triggerEvent("l2:hide",{event:o}),n=t.isNavHidden()}))}},Kn="#ybar-nav-more-menu";ge("ybar-mod-navigation",(function(e){var t,n=e.getConfig(),o={dropdownWrapperClass:xn,isFuji2:null!==document.querySelector(".ybar-ytheme-fuji2")||null!==document.querySelector(".ybar-ytheme-crunch"),isTablet:null!==document.querySelector(".tablet")||"tablet"===n.device||matchMedia("(hover: none)").matches,longListClass:Nn,moreMenuDropdown:document.querySelector("".concat(Kn," ul")),moreMenuNavItem:document.querySelector(Kn),moreMenuNavLinksSelector:"".concat(Kn," ul a"),moreMenuMainFocusItem:document.querySelector("".concat(Kn," > button")),moreMenuNavItemClass:Dn,navigationDropdownItemClass:In,navigationDropdownListClass:qn,navItems:document.querySelectorAll("ul.".concat(Bn," li.").concat(On)),topLevelNavLinks:document.querySelectorAll("li.".concat(On," > a")),navLinks:document.querySelectorAll(".ybar-mod-navigation a"),navList:document.querySelector(".ybar-mod-navigation ul"),shiftMoreMenuEnabled:document.querySelector(".ybar-shift-more-menu"),ybarNav:document.getElementById("ybar-navigation"),ybarNavigationItemClass:On,dropdownOpenClass:An,hasNavPlacement:document.getElementById("ybar-nav-placement"),marginOffset:function(e){var t=window.getComputedStyle(e),o=parseInt(t.marginLeft,10)+parseInt(t.marginRight,10);return"sports"===n.property?parseInt(t.marginRight):"finance"===n.property&&"crunch"===n.ytheme?(o-=1.8)>5?o:5:"crunch"===n.ytheme?o:0},navigationPlacement:function(){return t||(t=document.getElementById("ybar-nav-placement")),t},isNavHidden:function(){var e=!1;return"finance"===n.property&&"crunch"===n.ytheme&&document.documentElement.clientWidth=5||n.initialized?clearInterval(a):(void 0!==n.isNotificationsSupported()&&n.init(),i++)}),100)}return e.prototype.show=function(e){var t;this.initialized&&(this.historyEnabled&&!e||(document.body.classList.add(eo),null===(t=this.a11yMenu)||void 0===t||t.setAttribute("aria-expanded","true"),this.lastSeen=(new Date).getTime()))},e.prototype.hide=function(){var e;this.initialized&&(this.historyEnabled&&document.body.classList.remove(to),document.body.classList.remove(eo),null===(e=this.a11yMenu)||void 0===e||e.setAttribute("aria-expanded","false"))},Object.defineProperty(e.prototype,"lastSeen",{get:function(){return this.state.lastSeen},set:function(e){this.state.lastSeen=e,this.setLocalStorage()},enumerable:!1,configurable:!0}),Object.defineProperty(e.prototype,"manuallyClosed",{get:function(){return this.state.manuallyClosed},set:function(e){this.state.manuallyClosed=!!e,this.setLocalStorage()},enumerable:!1,configurable:!0}),e.prototype.init=function(){this.isNotificationsSupported()&&this.isNotificationPermissionDefault()&&(this.historyEnabled||document.body.classList.add(to),this.addEventListeners(),this.initialized=!0,this.hasSeenTooltipIn(this.manuallyClosed?6048e5:Qn)||(document.body.classList.add(to),this.show(!0)))},e.prototype.addEventListeners=function(){var e=this;this.ybar.addElementListener(this.container.getElementsByClassName(no)[0],"click",(function(){e.hide(),e.manuallyClosed=!0}))},e.prototype.isNotificationsSupported=function(){var e;return null===(e=null===window||void 0===window?void 0:window.subscriptionHelperInstance)||void 0===e?void 0:e.checkIsSupportedBrowser()},e.prototype.isNotificationPermissionDefault=function(){var e;return"default"===(null===(e=window.Notification)||void 0===e?void 0:e.permission)},e.prototype.hasSeenTooltipIn=function(e){if(!this.lastSeen)return!1;var t=new Date(this.lastSeen),n=new Date;return t.getTime()+e>n.getTime()},e.prototype.setLocalStorage=function(){var e;null===(e=window.localStorage)||void 0===e||e.setItem(Zn,JSON.stringify(this.state))},e.prototype.getLocalStorage=function(){var e,t,n=null===(e=window.localStorage)||void 0===e?void 0:e.getItem(Zn);if(null===n)return null;try{return JSON.parse(n)}catch(e){return null===(t=window.localStorage)||void 0===t||t.removeItem(Zn),null}},e}(),ao=-1,ro={0:0,1:1,9:9,99:99,150:150},so=function(e,t){var n,o=t.isUH3,i=t.notifMenu,a=t.notifMenuOpener,r=t.notifDropdown,s=t.notifBadge,c=t.notifContainer,l=t.notifLabel;t.tooltipContainer&&(n=new io(e,t.tooltipContainer));var u=K(),d=function(){i&&(i.checked=!1),null==r||r.classList.remove("ybarMenuOpen")},p=function(){var t;e.triggerEvent("close-all-menus"),!!document.querySelector(".display-push-promos .".concat(Jn))||(u.resetBadge(),s&&(o?null===(t=s.parentElement)||void 0===t||t.classList.remove(Vn):s.style.display="none"))},f=function(e){var t,n;0===ao&&(null===(t=null==e?void 0:e.css)||void 0===t?void 0:t.length)&&e.css.length>0&&(ao++,function(e){for(var t=function(e){var t=document.createElement("link");t.rel="stylesheet",t.type="text/css",t.href=e,document.getElementsByTagName("head")[0].appendChild(t)},n=0;n0&&s)if(o){var a,r=(a=e.newCount)>99;s.textContent=r?"99+":a+"",null===(n=s.parentElement)||void 0===n||n.classList.add(Vn)}else s.style.display="block"},m=function(){u.refreshPanel().then(f).then(ne).catch((function(){}))};if(e.addEventListener("close-all-menus",(function(){Ce(c)||d()})),c){m();var v=setInterval((function(){m()}),3e5);e.onDestroy((function(){clearInterval(v)})),o?l&&l.addEventListener("mouseenter",(function(){p(),null==n||n.show()})):c.addEventListener("mouseenter",(function(){p(),null==n||n.show()})),c.addEventListener("mouseleave",(function(){d(),null==n||n.hide()}))}e.addElementListener(i,"click",(function(){te("ybar","notification","",{elm:"btn",elmt:"block"===(null==s?void 0:s.style.display)?"newalert":"",subsec:"notification",itc:"1"})})),a&&Ae(e,a,"ybar","notification",{elm:"expand",subsec:"notifications",itc:"2"}),e.addElementListener(r,"focusin",(function(){i&&(i.checked=!0),null==r||r.classList.add("ybarMenuOpen")})),e.addElementListener(r,"focusout",d),e.addElementListener(t.tooltipContainer,"focusin",(function(){null==n||n.show()})),e.addElementListener(t.tooltipContainer,"focusout",(function(){null==n||n.hide()}));var y=e.getConfig().device,h=document.getElementById("ybar");h&&h.classList.contains("ybar-ytheme-crunch")&&(ao=0);var b=new RegExp("[?&]notifications=1(&|#|$)");"desktop"===y&&i&&b.test(window.location.search)&&(i.checked=!0)};ge("ybar-mod-notification",(function(e){var t={isUH3:"crunch"===e.getConfig().ytheme,notifContainer:document.getElementById("notification-container"),notifBadge:document.getElementById("notif-badge"),notifMenu:document.getElementById("ybarNotificationMenu"),notifMenuOpener:document.querySelector("#ybarNotificationMenu + label"),notifDropdown:document.getElementById("notifDropdownContainer"),tooltipContainer:document.querySelector(".".concat($n)),notifLabel:document.querySelector(".".concat(Xn))};t.notifDropdown&&so(e,t)}))}()}};]]>Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure.CCassidy Horton · Contributing writerUpdated Fri, December 26, 2025 at 9:29 PM GMT+1 9 min readLooking for the cheapest car insurance in New Jersey? Turns out, rates vary widely depending on your location, age, driving history, and the type of coverage you choose. That means the most affordable policy for a New Jersey teen will likely be different from a senior citizen.Below, we’ve gathered the cheapest car insurance options in New Jersey for all types of situations, based on the latest data from Savvy Insurance Solutions, an insurance technology company that operates the auto insurance marketplace Savvy.Learn more: How does car insurance work? The basics explained.In this article:Cheapest full coverage car insurance in New JerseyCheapest liability-only car insurance in New JerseyCheapest car insurance for teens in New JerseyCheapest car insurance for senior drivers in New JerseyCheapest car insurance for good drivers in New JerseyCheapest car insurance with one at-fault accident in New JerseyCheapest car insurance with one speeding ticket in New JerseyHow New Jersey car insurance rates are determinedWhat makes New Jersey car insurance rates unique?How to get the cheapest car insurance in New JerseyFull coverage car insurance typically includes liability, collision, and comprehensive coverage, as well as optional extras such as uninsured motorist protection and rental reimbursement. It’s not required by law, but it can help protect your finances if your car is totaled or damaged in an accident, weather event, or theft.In New Jersey, companies like American Family and Farm Bureau consistently offer lower rates for full coverage car insurance than others.Learn more: What is full coverage car insurance?Learn more: Best car insurance companiesLiability insurance covers bodily injury, and it covers property damage you cause to others in an at-fault accident. It’s the minimum required coverage in New Jersey, so it’s often the most affordable. But it won’t cover your own vehicle if it’s damaged.Learn more: Minimum car insurance requirements in all 50 U.S. statesLiability-only coverage could make sense if you're driving an older car or trying to keep your insurance costs as low as possible. But the flip side of that is you’ll be 100% responsible for replacing or repairing your vehicle after an accident.Below are the most affordable liability-only coverage options for drivers in New Jersey.Learn more: What is liability insurance and how much do you need?Learn more: Cheapest car insurance in the U.S.Teen drivers typically face the highest insurance premiums of any age group. That’s because insurers see them as higher-risk due to their limited driving experience and higher accident rates.In New Jersey, adding a teen to your policy could send your rate soaring, but there are ways to save. Many insurers offer discounts for good grades, safe driving, and completing a defensive driving course.These are the cheapest full coverage options for teen drivers in New Jersey.Learn more: Cheapest car insurance for teen driversDrivers in their 50s, 60s, and early 70s often enjoy lower car insurance rates than younger age groups — especially if they’ve maintained a clean driving record. But that doesn’t mean they should stop shopping around.In New Jersey, rates can vary widely between insurers, and seniors may qualify for additional savings through safe driver programs, low-mileage discounts, or bundling policies. If you're retired or driving less than you used to, it’s worth checking whether you’re being priced fairly.Here are the cheapest options for senior drivers in New Jersey.Learn more: Cheapest car insurance for seniorsIf you’ve avoided accidents and traffic tickets in the past few years, insurers tend to reward you with lower premiums.In New Jersey, the cheapest car insurance for good drivers typically comes from companies that also provide additional perks, like accident forgiveness. But pricing can still vary, so it’s worth comparing a few quotes even if your record is spotless.Below are the most affordable full coverage options for good drivers in New Jersey.Learn more: Cheapest car insurance for good driversAn at-fault accident can cause your car insurance rate to jump (sometimes by a lot more than you might think).If you’ve had a recent accident in New Jersey, you may still be able to find affordable coverage by shopping around. Some companies are more lenient when it comes to minor accidents, especially if it’s your first one.Below are the cheapest full coverage car insurance options for drivers with one at-fault accident in New Jersey.Learn more: How much does car insurance increase after an accident?Learn more: Cheapest car insurance after one at-fault accidentA single speeding ticket doesn’t always mean your insurance premium will skyrocket, but it’s still a possibility. Some insurance companies could be more forgiving than others, especially if it’s your first offense or you’ve had a clean record otherwise.If you’ve recently been cited for speeding, it’s a good idea to compare quotes. You might find that another car insurance company has better discounts that offset the increase.Here are the cheapest full coverage car insurance options for New Jersey drivers with one speeding ticket.Learn more: How does a speeding ticket impact your car insurance?Learn more: Cheapest car insurance after a speeding ticketSome parts of your premium are outside your control — like your age, ZIP code, or how long you’ve been driving. But others, like your coverage choices and deductible amounts, are easier to tweak.Here are a few of the biggest factors insurers consider in New Jersey:Driving record: Accidents, tickets, and claims can drive up your rate, while a clean history could lead to cheaper premiums.Coverage selections: Full coverage costs more than liability-only, for example.Health insurance election: You can save money in New Jersey by choosing your health insurance as the primary payer for accident-related injuries. Just make sure your plan covers it first.Deductibles and personal injury protection (PIP) limits: Raising your comprehensive, collision, or PIP deductible can lower your premium, but you’ll pay more of the bill if you file a claim.Vehicle type: Sports cars and luxury vehicles generally cost more to insure than older, more modest vehicles.Credit-based insurance score: Insurers in New Jersey can use your credit to help set your rate, as long as it’s not the only factor.Discount eligibility: You might qualify for savings if you take a defensive driving course, bundle policies, install safety features, or insure multiple vehicles with the same company.Learn more: What is a car insurance premium, and how is it calculated?A few things set New Jersey apart when it comes to car insurance.First, recent law changes are driving up costs. The state raised its minimum coverage requirements from $15,000 to $25,000 per person in 2023 — and they’re set to increase again to $35,000 in 2026.New Jersey is also a no-fault state, so you usually file a claim with your own insurer after an accident, no matter who caused it. That can speed things up, but it may also lead to higher rates.Finally, the state offers a few programs you won’t find elsewhere:Special Automobile Insurance Policy (SAIP), or the “dollar-a-day” plan, is a low-cost option for drivers with certain Medicaid plans.NJ PAIP offers coverage for high-risk drivers who’ve been denied elsewhere.The Auto Insurance Purchasing Planner is a free tool that helps you compare different coverage options based on your needs and budget.The best way to lower your car insurance bill in New Jersey is to shop around and know your options. Try these steps:Reevaluate the coverage you actually need: New Jersey drivers can choose between a “basic” and “standard” policy. The basic plan is cheaper, but it offers less protection if you’re in a serious accident.Ask about every available discount: Car insurance companies offer tons of discounts — for bundling policies, having good credit, driving fewer miles, taking a defensive driving course, and more. These can add up quickly, but they’re not always applied automatically. Ask an agent before you purchase a policy.Compare quotes regularly: Even if you love your current insurer, shopping around every six to 12 months can help you save money. Rates change, and loyalty doesn’t always pay off in this industry.Consider programs unique to New Jersey: If you’re eligible for Medicaid with hospitalization, the SAIP program can cover emergency medical costs for just $365 per year. And if you’ve been denied coverage elsewhere due to a poor driving history, PAIP offers an alternative path.Don't just chase the lowest monthly payment: A rock-bottom price might look good now, but it could leave you with exorbitant repair bills later on. Make sure you know exactly what’s covered (and what’s not) before buying a car insurance policy in New Jersey.Tim Manni edited this article.Unless stated otherwise, the estimates above are generated by Savvy Insurance Solutions' in-house machine learning models based on over 3 million data points, and include more than 15 of the largest insurance companies in the Savvy nationwide data set. This includes data from more than 2 million insurance accounts connected through Trellis Connect, an in-house technology allowing consumers to “link” their insurance accounts before searching for insurance, and tens of thousands of policies bound by Savvy’s own agents. It takes into account a myriad of factors to create predictions, such as:Policyholder ageNumber of vehiclesZIP codeVehicle ageInsurer…and moreSavvy creates estimates by running models against multiple inputs to the parameters of interest. For instance, the “teen driver” estimates were created by adjusting the policyholder age input into the pricing model while keeping all other variables steady from the baseline for “full coverage.” The models enable hyper-personalized estimates that take into account a plethora of user attribute permutations (e.g., teen drivers in specific states, teen drivers with new vehicles, teen drivers in specific states with new vehicles) to provide individuals with a unique and tailored experience. The charts above are a subset of the kinds of personalization Savvy can do.The following are definitions used by Savvy when providing its rate estimates for various types of coverage:Full coverage car insurance: A policy with comprehensive, collision, and liability coverageAverage policyholder: A 48-year-old driver who owns a 13-year-old vehicle and lives in an average-income ZIP codeSenior driver: A 70-year-old policyholder with full coverage car insuranceGood driver: Drivers across all coverage types, vehicle types, and locations who have no tickets, accidents or DUIs