 If you listen to WTOP for even a few minutes, you're likely to hear about a crash in our traffic reports or maybe a follow-up to an accident in our news updates. Summer travel season is in full swing. Unfortunately, cars are smashing into one another and the probability of getting into an accident is higher. Once that happens, your insurance premiums, already high because of inflation, could go through the roof. Bankrate analyst Shannon Martin joined us earlier to discuss the latest on car insurance and how it is highly unaffordable for many of us.