discovery travel vehicle

PLEASE NOTE

Models and specifications.

• OPTIONS AND ACCESSORIES
• OFFERS AND FINANCE

DISTINCTLY DISCOVERY

For all families and occasions.

• VERSATILITY
• PERFORMANCE
• PERSONALISATION

ULTIMATE VERSATILITY 

UNCOMPROMISED COMFORT 

Explore anywhere and take anyone. With seven full-sized seats, everyone can travel comfortably. 

UNBEATABLE STORAGE 

Load up and move out with an abundance of boot space and smart storage solutions throughout the vehicle.

UNPARALLELED PROTECTION

Adventure assured thanks to Discovery's five ISOFIX points and eight airbags.

ACCESS ADVENTURE 

Once you arrive at your destination, Deployable Side Steps make getting in and out of the vehicle, as well as reaching the roof rack, even easier.

EFFORTLESS AND SECURE

​When you open the driver’s door, the steering column and driver’s seat will move aside for easy disembarking. As you walk away, the doors will lock automatically when the key fob can no longer be detected.

DESIGNED FOR CONVENIENCE

The powered inner tailgate can be extended and used as a helpful platform for sitting or leaning at the touch of a button.

​Wireless charging 1 is available in the front seats, as well as USB-C ports in every row.

ENTERTAINMENT FOR EVERYONE 

Keep everyone entertained, especially on those longer adventures, with specially designed Click and Go device holders.  

ROOM TO EXPLORE

Ready for the whole family, with ample storage and seven full-sized seats that can be reconfigured with a tap of the touchscreen.

EFFORTLESS CAPABILITY

Discovery’s outstanding towing capacity of up to 3,500 kg combines with a range of towing aids, including Advanced Tow Assist, so you can tow anything from horse boxes to trailers with confidence.

ALL WHEEL DRIVE

Ensures a confident drive on or off-road including slippery surfaces, such as grass and snow. All Wheel Drive (AWD) and Terrain Response work together to automatically balance torque between the front and rear wheels, maximising traction.

CLEARSIGHT GROUND VIEW 

With ClearSight Ground View 2 , you can effectively see ‘through’ Discovery’s bonnet and display multiple exterior views as you drive, including the vehicle’s underside and wheels.

CAPABILITY TECHNOLOGIES

Terrain Response 2 automatically responds to changing conditions, Hill Descent Control (HDC) helps you negotiate difficult slopes, while All Terrain Progress Control (ATC) balances torque and braking for effortless off-road driving.

FINANCE DESIGNED FOR YOU

With your choice of tailored ownership and leasing options, your new Discovery is closer than you think.

PERSONAL CONTRACT PURCHASE (PCP)

Take advantage of low monthly payments and the option to renew, retain or return.

PERSONAL CONTRACT HIRE (PCH)

With no ownership option, simply return your vehicle at the end of your agreement.

BUSINESS CONTRACT HIRE (BCH)

Select an initial rental of 1-12 months and just hand your keys back once your contract ends.

INTUITIVE TECHNOLOGY

Amazon alexa, meridian tm surround sound, incontrol app.

Stay connected and informed with Pivi Pro 3 , our most intuitive infotainment system yet, where key information is only two taps away. 

Ask Alexa 4 to play music or audiobooks, place calls, read the news, check the weather, control smart home devices, get directions, find parking, and more. 

Driver and passengers are enveloped in an immersive sound experience through side, front and rear speakers.

Put security at your fingertips with the InControl Remote App, with Vehicle Lock Reminders, Guardian Mode, Theft Alert, Secure Tracker and Secure Tracker Pro*.

DRIVER ASSISTANCE

Choose from a range of features designed to make driving and parking simpler. You can access Driver Assistance Mode directly through the updated steering wheel.

CONNECTED DRIVING

Stay connected with the Online Pack with Data Plan 5 . Offering more connected services via a built-in SIM card, with access to streaming media and weather forecasts.

WIRELESS CHARGING

Power up with wireless device charging 1 and connectivity that lets you charge compatible smartphones minimising cabin clutter.

CABIN AIR PURIFICATION 

Prioritise your wellbeing with the optional nanoe TM X ionisation system, with its PM2.5 filter designed to filter fine particles, including airborne allergens like dust and pollen.

EXCLUSIVE INSURANCE BENEFITS

Enjoy perks, such as genuine parts and access to our authorised bodyshop network, with Land Rover insurance.

ACCREDITED SECURITY

Land Rover Secure Tracker is Thatcham Category S7 Compliant and Secure Tracker Pro* is Category S5 compliant.

EFFICIENT PERFORMANCE

Driving dynamics, electronic air suspension, twin-speed transmission.

With a range of advanced diesel engines, as well as cleaner and more efficient mild hybrid technology that harvests, stores, and redeploys energy normally lost during deceleration.

Personalise your off-road system preferences through Configurable Terrain Response technology. Plus, Adaptive Dynamics optimises the suspension settings and provides the perfect balance of comfort, refinement and agility. 

Air suspension comes as standard on every Discovery. Seamlessly switching heights, when necessary, ensuring unprecedented ride comfort on or off road.

An additional set of lower gears can prove invaluable in challenging conditions such as steep inclines or declines, off-road driving or when towing. 

TAILORED PERSONALISATION

UNIQUE TO YOU

Make it your own.

KEEP EXPLORING

View the full model range and specifications.

Put adventure back on the map with Discovery.  

1 Compatible smartphones only.

2 ClearSight Ground View dependent on 3D Surround Camera. Image is not live. Check surroundings for safety. Subject to local regulations.

3 Pivi and InControl features, options, third-party services and their availability remain market dependent – check with your Land Rover Retailer for local market availability and full terms. Certain features require an appropriate SIM with a suitable data contract which will require further subscription after the initial term advised by your Retailer. Mobile network connectivity cannot be guaranteed in all locations. Information and images displayed in relation to the InControl technology, including screens or sequences, are subject to software updates, version control and other system/visual changes depending on options selected. Connected Navigation will require further subscription after the initial term advised by your Land Rover Retailer.

4 Amazon, Alexa and all related marks are trademarks of Amazon.com, Inc. or its affiliates. Certain Alexa functionality is dependent on smart home technology. Additional products and setup may be required. Compatible smartphones. Connectivity subject to market third-party network platforms and subscription.

5 Fair use policy applies. Standard 1 year subscription, which can be extended after the initial term advised by your Land Rover Retailer.

Optional features and their availability may differ by vehicle specification (model and powertrain), or require the installation of other features in order to be fitted. Please contact your local Retailer for more details, or configure your vehicle online.

In car features should be used by drivers only when safe to do so. Drivers must ensure they are in full control of the vehicle at all times.

Meridian is a registered trademark of Meridian Audio Ltd. Trifield and the three fields device is a trademark of Trifield Productions Ltd.

Guardian Mode requires an internet connection, InControl account and Secure Tracker subscription. To continue using the relevant feature after its initial subscription period, you will need to renew your subscription and pay the applicable renewal charges.

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Travel Credit Card

Travel rewards that go where you're going..

The flexible, travel card with reliable rewards, that matches every Mile you earned at the end of your first year. 2 Plus! No annual fee .

Intro purchase APR is x %  for x months  from date of account opening then the standard purchase APR applies.  Intro Balance Transfer APR  is x %  for x months  from date of first transfer, for transfers under this offer that post to your account by  then the standard purchase APR applies. Standard purchase APR: x %  variable to x %  variable, based on your creditworthiness. Cash APR: x %  variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee:  Either $10  or 5%  of the amount of each cash advance, whichever is greater. Balance transfer fee: x %  Intro fee on balances transferred by  and up to x %  fee for future balance transfers will apply. Annual Fee: None.  Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

No annual fee

x Average of x Reviews 7

See how  we calculate our ratings

x out of 5 Average of  x Reviews 7

Earn travel rewards on every purchase

There's no limit to how many Miles you can earn. And however you redeem, Miles have the same value. 1

• We'll automatically match all the Miles you've earned at the end of your first year. 2
• You could turn 35,000 Miles to 70,000 Miles, which is $700 all for you.
• No minimum spending requirement on your new card.

99% nationwide acceptance  — Discover is accepted nationwide by 99% of the places that take credit cards. 3

Be your own tour guide

Get a travel rewards card that lets you redeem how you want–travel credit or cash.

Get cash for the things you want

Once you make a travel purchase, simply redeem your Miles as a statement credit towards that purchase. However you redeem, Miles have the same value. 1

Use Miles at Amazon. com 4  checkout and when you pay using PayPal. 5

How many Miles can you earn?

You'll earn unlimited 1.5x Miles on every purchase that you make with your Discover it ® Miles card. See if this is the best credit card for you.

What do you spend on credit card purchases each month?

What you'd earn each year.

which equals

What you'd automatically earn after your first year with Discover Match ®

Easily redeem Miles as a statement credit for travel purchases or get cash. 1 Where could your Discover it ® Miles Credit Card take you?

How does the Discover ® Travel Card work?

Earn miles on all purchases, redeem miles for travel purchases or cash.

Every dollar you spend on purchases with your travel card earns 1.5x Miles that never expire 1 , with  no annual fee . 

Redeem your Miles the way you want

Turn Miles into cash, or redeem as a statement credit for your travel purchase like airfare, hotels, rideshares, gas stations, restaurants, and more. 1

Discover matches all your Miles your first year

Discover is the only major credit card that gives you an unlimited match of all the Miles you've earned at the end of your first year. 2

Where is the Discover travel card accepted?

Discover it ® Miles is accepted at 99% of places that take credit cards nationwide, according to the Feb. 2023 issue of the Nilson Report. 3 And best of all, it's a travel rewards card that works just like your favorite credit card. Use it for travel expenses and purchases like airfare, getting a rental car, or booking a hotel stay. And just as easily use it for everyday purchases like groceries, gas, and paying bills.

What is the interest rate on a Discover travel card?

Your interest rate will be determined when you submit your travel card application for a Discover it ® Miles card. The APR you qualify for depends on your credit history and other factors. You can see if you're pre-approved for a personalized offer now or apply for the travel credit card offer on this page. Remember: Discover it ® Miles has no annual fee .

What are the different ways I can redeem Miles?

When you think of the best travel credit card for you, you likely want a card with a signup bonus, a card that allows you to have flexibility when you travel, and a card with rewards that you can use for travel expenses—or in other ways, if you want. With Discover it ® Miles, you get all of that. And as soon as you start earning rewards on your card, you can redeem them as a statement credit for a previous travel purchase. Because once you make a travel purchase, you simply redeem your Miles as a statement credit towards that purchase. 1 So book the travel that works for you, and use your Miles to credit yourself back. Eligible purchases include airfare, car rentals, hotels, rideshares, gas stations, restaurants and more. 1 You can also use Miles like cash, without losing any value for your rewards. Turn Miles into cash in any amount, any time 1 , by depositing into your bank account; or use Miles to pay when you check out at Amazon. com 4 or when you pay with PayPal. 5 However you redeem, Miles keep the same value. And Miles never expire. 1

How many Discover credit card Miles does it take to redeem for a flight or other travel purchase?

With the Discover it ® Miles Credit Card, when you're ready to redeem your Miles, 100 Miles = $1 to redeem for cash or travel credit. The great thing about the Miles that you earn with the Discover ® travel card is that they can be used to cover all or part of a travel expense. So the amount of credit card Miles that you'll need to redeem to cover your entire airline ticket will depend on the price of the flight that you booked. This goes for other travel purchases, too, including rideshares or rental car bookings. Remember—you can redeem your Miles for a statement credit for all or part of your travel purchase, to help keep your total costs down.

Which airlines accept the Discover travel rewards credit card?

The Discover it ® Miles credit card is accepted at 99% of places that take credit cards nationwide, according to the Feb 2023 issue of the Nilson report. 3

Can I redeem my credit card Miles for cash & road trips?

With Discover, you can turn Miles into cash in any amount, any time. 1 And you can also redeem Miles as a statement credit for travel purchases, which include road trip favorites like hotels, rideshares, gas stations, car rentals and more. 1

How can I earn credit card Miles for everyday purchases?

With the Discover it ® Miles credit card, you’ll earn unlimited 1.5x Miles on every purchase you make, every day. That includes credit card travel purchases like airfare and hotels as well as daily purchases like groceries, bills or gas. 

Can I redeem some credit card Miles and keep adding to the remaining balance?

Yes. There is no minimum requirement to how many Miles you have to redeem at a time. If you don’t use all of your Miles when you redeem, you’ll just keep adding more Miles to your total with every purchase. Your Miles never expire. 1

Why choose Discover it ® Miles as my travel credit card?

You have to decide the best travel card for your needs. Discover it ® Miles gives the perks of a travel card with the flexibility of an everyday rewards card. You'll earn 1.5X Miles on every purchase, so it’s easy to rack up rewards fast to reach travel goals. You can redeem your Miles as a statement credit toward your Discover bill, or for cash in any amount, any time. 1 Card membership includes more benefits, like great service and security benefits with no annual fee .

If you're looking at other travel credit cards, see if the card issuer charges a large annual fee. Perks like lounge access, elite status, a loyalty program, a platinum card or a gold card may not be worth the annual fee. It's hard to know what your credit limit will be before you apply for travel credit cards, but you can check how the reward points work for the card issuer. For example, if there is a bonus point on eligible purchases such as 5x points or 2x points, check what the reward is on everyday purchases. "5x points," "2x points" or "Earn 2x" can sound good unless your typical spending doesn't fit the eligible purchases for that card issuer or their annual fee is too high. Finally see if new card membership comes with security features and service benefits or other helpful perks like the opportunity to do a balance transfer.

How does a Miles rewards credit card help you earn travel rewards?

With Discover it ® Miles, you’ll earn 1.5X Miles for every dollar you spend on a travel purchase or any other purchase, with no limits on how much you can earn, and no annual fee Miles never expire. 1 After you earn Miles, you can redeem for a statement credit toward the cost of travel purchases or to get cash rewards. 1 Other travel credit cards, such as an airline credit card, will offer different rewards points and your card membership may include an annual fee or blackout dates.

Can you use Discover it ® Miles for travel insurance and global entry purchases?

You can use the Discover it ® Miles credit card at 99% of places that take credit cards nationwide, according to the Feb. 2023 issue of the Nilson Report 3 , including travel insurance companies. The U.S. Trusted Traveler Programs accept Discover ® Credit Cards as a form of payment for TSA PreCheck, Global Entry, and others. And, the Discover it ® Miles card is a rewards credit card that gives you points for travel expenses and every other purchase you make with your card. So it can be your travel credit card and your everyday card. And unlike many travel credit cards, Discover ® charges no annual fee , even after account opening. 

Benefits of a Discover travel credit card

We’ll help you regularly remove your personal info from select people-search websites that could sell your data. It’s free, activate with the Discover app. 8

There is no annual fee with the Discover travel rewards credit card.

Earn 1.5x Miles on every dollar of every purchase.

Redeem Miles as cash, as a statement credit for a travel purchase 1 , at checkout with Amazon. com 4 or to pay with PayPal 5 .

Every Mile you earn can be used whenever you want, so you can save up for your next big trip. 

We’ll automatically match all the Miles you’ve earned at the end of your first year. 2

Viewing your Credit Scorecard will never impact your FICO ® Score. 6

Compare the Discover it ® Miles travel credit card to other travel credit cards

Are you getting the most you can from your travel rewards credit card, read helpful articles on the rewards and perks of travel credit cards below..

See how the Discover travel rewards card offers perks and benefits you may not find on other travel credit cards.

These money-saving credit card travel benefits can help stretch your budget for your next vacation. Learn more about travel rewards, cash rewards and bonus points on travel credit cards.

Learn about the different kinds of travel credit cards and how travel rewards credit cards let you earn miles on eligible purchases, save on travel, and more.

Redeem Miles:  Starting at 1 Mile, you can redeem your Miles as a credit to your account to pay for all or part of your bill, for cash as an electronic deposit to your bank account, or for a credit for Travel Purchases made on your statement within the last 180 days. Travel Purchases include airline tickets, hotel rooms, car rentals, travel agents, online travel sites, commuter transportation, restaurants and gas stations. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible.

Even if a travel purchase on your statement appears to fit in a Travel Purchase category, the merchant may not have a merchant category code (MCC) in a Travel Purchase category. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not be eligible for credit redemption if the technology does not provide sufficient transaction details or a qualifying MCC. See Terms and Conditions for more information.

Rewards Redemption:  Rewards never expire. We reserve the right to determine the method to disburse your rewards balance. We will credit your Account or send you a check with your rewards balance if your Account is closed or if you have not used it within 18 months.

Discover Match ® : Only from Discover as of March 2024. We'll match all the Miles rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You've earned Miles rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

Acceptance : According to the Feb 2023 issue of the Nilson Report.

Use Rewards at Amazon.com:  For complete details on how to Pay with Rewards at  Amazon.com  see  Amazon.com/DiscoverRewards . Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo, the smile logo and all related marks are trademarks of Amazon.com, Inc. or its affiliates. To redeem your rewards at checkout, you must select the Discover Card from which you want to redeem rewards. If you do not pay for your full purchase with rewards, you may use the Discover Card from which the rewards were applied or an Amazon.com Gift Card to pay for the remainder of your purchase. You may not use a credit card from an issuer other than Discover or another Discover credit card enrolled in Shop with Points in conjunction with the rewards transaction.

Use Rewards with PayPal : For complete details on how to Pay with Rewards with PayPal see PayPal.com/Discover . Pay with Rewards with PayPal will be available for eligible credit cards on eligible purchases or rewards can be donated to support a charitable cause with PayPal Giving Fund. To learn more about Pay with Rewards, see terms and conditions .

All reward redemptions are subject to Discover’s reward program terms. To redeem your rewards at checkout, you must select the Discover Card from which you want to redeem rewards. If you do not pay for your full purchase with rewards, you must use the Discover Card from which the rewards were applied to pay for the remainder of your purchase. You may not use a credit card from an issuer other than Discover or another Discover credit card enrolled in Pay with Rewards in conjunction with the rewards transaction.

PayPal, and the PayPal logo are trademarks of PayPal and its Affiliates.

FICO ® Credit Score Terms : Your FICO ® Credit Score, key factors and other credit information are based on data from TransUnion ® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO ® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

If you prefer not to receive your FICO ® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request.

About product reviews : We calculate the average product rating based on ratings that customers submit. We exclude some reviews from being displayed for reasons such as the customer included profanity, reviewed the wrong product, submitted inappropriate or irrelevant content, or revealed personally identifying information. Reviews are not filtered, edited, or deleted simply because they are negative or are lower rated. If a review is excluded, the associated rating is not calculated in the average product rating.

Online Privacy Protection:  Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app. About every 90 days we will scan at least 10 people-search sites for your online personal information and help you submit opt-out requests. Types of personal information found on these sites will vary.

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Book your entire holiday, all in one place with Vitality Travel

• Vitality news
• September 2022

You can now book flights, holiday accommodation and car hire on the Vitality Travel platform with your personalised travel discount, which gives you the richest rewards on travel out there.

Go everywhere with Vitality Travel

All Discovery Bank clients, and now Vitality members can access to the Vitality Travel platform, powered by Discovery Bank, and get all the benefits of discounted travel through the new �iscovery Account .

With the Vitality Travel booking platform, powered by Discovery Bank, you can book your entire trip in a single, convenient checkout, access all your Vitality Travel benefits in one place and compare pricing across airlines, car hire and accommodation.

How to access Vitality Travel

Download the Discovery Bank app and browse the list of accounts available. While you qualify for your �iscovery Account, you are free to choose from the full range of Discovery Bank products, from transaction accounts and credit cards to full suite accounts that maximise your benefits and rewards. Explore the Discovery Bank product range .

Get from 10% to 75% off local and international flights

As a member with Vitality Health, you get between 10% and 35% off your flights with the �iscovery Account. Boost that up to 75% with Discovery Bank and Vitality Money. If you are a Discovery Bank client only (without Vitality Health), you can save between 10% and 40% .

Get up to 25% off car hire and holiday accommodation

As a member with Vitality (Health), you get 25% off at local Vitality Holiday accommodation partners. If you are a Discovery Bank client only (Without Vitality Health), you can save between 10% and 25%.

Get access to millions of non-discounted local and international holiday accommodation listings on Vitality Travel, through Booking.com and have the option of paying with your Discovery Miles, and having all your bookings in one place.

Plus, save from 10% to 25% on unlimited car hire bookings.

Want to boost your rewards even more?

Join Discovery Bank and get up to 75% off local and international flights, enjoy free visits to over 1 200 airport lounges worldwide, and faster security clearance at OR Tambo and Cape Town international airports

Your next adventure awaits!

Disclaimers Discovery Bank Ltd. Registration no 2015/408745/06. An authorised financial services and registered credit provider. FSP no 48657. NCR registration no NCRCP9997. Rewards are based on your engagement in Vitality programmes, Discovery products, and monthly qualifying card spend. Discovery Vitality (Pty) Ltd. Registration number: 1999/007736/07. Limits, terms and conditions apply.

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Discover it Miles Review: Travel Rewards With a Cash-Back Twist

What’s on This Page

The bottom line, pros and cons, detailed review, compare to other cards, benefits and perks, drawbacks and considerations, how to decide if it's right for you.

Frequent travelers or bigger spenders would probably get more value from a card with a higher rewards rate and more perks (and an annual fee), but this is a solid choice for budget-minded occasional travelers.

Rewards rate

Bonus offer

• UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

0% intro APR for 15 months on purchases and balance transfers

Ongoing APR

APR: 17.24%-28.24% Variable APR

Cash Advance APR: 29.99%, Variable

Balance transfer fee

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Foreign transaction fee

• Automatically earn unlimited 1.5x Miles on every dollar of every purchase

No annual fee

• Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
• 0% intro APR for 15 months on purchases. Then 17.24% - 28.24% Standard Variable Purchase APR will apply.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• Discover is accepted nationwide by 99% of the places that take credit cards.
• Terms and conditions apply.

Intro APR period

Flexible rewards redemption

Requires good/excellent credit

No luxury perks

Lower acceptance abroad

Some travel credit cards give you the option of redeeming your points or miles for cash back rather than travel, but doing so usually means getting a lower value per point. The Discover it® Miles is a noteworthy exception. Each mile you earn with the card is worth 1 cent, regardless of whether you use it to pay for travel or convert it to cash back.

The Discover it® Miles earns 1.5 miles for every dollar spent — pretty good for a card with a $0 annual fee, but low compared with travel cards that charge an annual fee.

The flexible redemption options and unique sign-up bonus make this a good low-cost alternative for occasional travelers who want an easy-to-use credit card. But frequent fliers may get even more value out of a more robust travel card, especially if they travel overseas often.

Discover it® Miles : Basics

Card type: Travel .

Annual fee: $0 .

Sign-up bonus: UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Ongoing rewards: 1.5 miles per dollar spent on all purchases.

Interest rate: 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 17.24%-28.24% Variable APR .

Foreign transaction fee: None.

Other benefits:

Free access to FICO score.

Access to Discover's free Social Security number monitoring service .

Flexible redemption options

One one level, the Discover it® Miles works like a general travel credit card. You earn 1.5 cents per mile, and you can redeem miles at a value of 1 cent apiece for credit on your statement against travel purchases made within the past 180 days. However, you can also convert your miles to cash at the same rate, in the form of a direct deposit. Redeeming for cash gives you more flexibility, and there’s nothing stopping you from later spending that money on travel. But for some, earmarking miles specifically for a big trip might be more enticing.

No minimum redemption amount

Many credit cards require you to accumulate a certain amount in rewards — often $25 or more — before you can redeem. The Discover it® Miles allows redemptions as small as 1 point. Getting a penny back at a time is obviously not going to revolutionize your travel style. But the lack of a minimum redemption amount means you can reimburse yourself for smaller travel expenses, like cab fare.

A bonus offer with no limit

Discover's offer to new cardholders is as lucrative as you want to make it. The issuer describes it this way: " UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. " This effectively gives you 3 miles per dollar spent on everything in your first 12 months. If you spent $20,000 on the card in the first year, for example, you would earn $300 worth of miles, and the bonus would kick in $300 more. That’s nothing to sneeze at, especially on a card with an annual fee of $0 .

A generous 0% APR period

The Discover it® Miles gives you an introductory APR of 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 17.24%-28.24% Variable APR . Most travel credit cards don’t have a 0% period. You can use this perk to pay off a big purchase — say, an upcoming trip — interest-free over time.

No foreign transaction fees

Like all Discover cards, the Discover it® Miles doesn’t charge foreign transaction fees. This benefit could save you money the next time you travel abroad, or make an international purchase online. But bring a backup method of payment, too. Discover isn’t as widely accepted abroad as Visa and Mastercard.

» MORE: Discover credit cards mobile app review

Not good for bigger spenders

The Discover it® Miles is a great card for people who don't plan to spend a whole lot. Because there's no annual fee to eat into your rewards, you come out ahead immediately. But bigger spenders would be better off with a card that charges a fee but offers a higher rewards rate.

For example, if you spend more than $19,000 a year, you'll get more value from the Capital One Venture Rewards Credit Card . That card gives you 2 miles per dollar spent on most purchases, with miles redeemable for travel expenses at a penny apiece. There's a big sign-up bonus but also a $95 annual fee to consider.

Limited international acceptance

For a low-cost travel card that’s widely accepted around the world, check out the Bank of America® Travel Rewards credit card , which operates on the Visa network. Like the Discover it® Miles , it offers 1.5 points per dollar spent, which you can redeem for 1 cent each on travel purchases. Among major issuers, it also has the most inclusive definition of what counts as a travel purchase.

No bonus rewards opportunities

Earning the same rewards rate on every purchase is certainly the simplest way to make your spending count, but it may not be the most lucrative. A card that earns more on specific spending categories can be the answer, although you’ll have to put in a little more effort remembering where to use the card. The Wells Fargo Autograph℠ Card earns 3 points per dollar on a broad range of common spending categories: restaurants, travel, transit, gas stations, popular streaming services and select phone plans. It also has a $0 annual fee.

Also see the NerdWallet best credit cards roundup for options across credit card types.

Among no-fee travel cards, the Discover it® Miles stands out for its versatility, thanks to the ability to redeem for travel and cash back at equal value. It’s not the best option for travelers who spend more time in hotels and planes than at home. But for vacationers looking for a low-maintenance card with flexible rewards, it’s worth consideration.

This card earns bonus rewards in a variety of popular spending categories, including dining and travel. Points are worth 1.25 cents apiece when redeemed for travel booked through Chase, or you can transfer them to more than a dozen hotel and airline programs. There's a fantastic sign-up bonus, too — but also an annual fee.

Looking For Something Else?

Methodology.

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.

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A Groundbreaking Scientific Discovery Just Created the Instruction Manual for Light-Speed Travel

In a first for warp drives, this research actually obeys the laws of physics.

If a superluminal—meaning faster than the speed of light—warp drive like Alcubierre’s worked, it would revolutionize humanity’s endeavors across the universe , allowing us, perhaps, to reach Alpha Centauri, our closest star system, in days or weeks even though it’s four light years away.

The clip above from the 2016 film Star Trek Beyond showcases the effect of a starship zipping through space inside a faster-than-light warp bubble. You can see the imagined but hypothetically accurate warping of spacetime.

However, the Alcubierre drive has a glaring problem: the force behind its operation, called “negative energy,” involves exotic particles—hypothetical matter that, as far as we know, doesn’t exist in our universe. Described only in mathematical terms, exotic particles act in unexpected ways, like having negative mass and working in opposition to gravity (in fact, it has “anti-gravity”). For the past 30 years, scientists have been publishing research that chips away at the inherent hurdles to light speed revealed in Alcubierre’s foundational 1994 article published in the peer-reviewed journal Classical and Quantum Gravity .

Now, researchers at the New York City-based think tank Applied Physics believe they’ve found a creative new approach to solving the warp drive’s fundamental roadblock. Along with colleagues from other institutions, the team envisioned a “positive energy” system that doesn’t violate the known laws of physics . It’s a game-changer, say two of the study’s authors: Gianni Martire, CEO of Applied Physics, and Jared Fuchs, Ph.D., a senior scientist there. Their work, also published in Classical and Quantum Gravity in late April, could be the first chapter in the manual for interstellar spaceflight.

Positive energy makes all the difference. Imagine you are an astronaut in space, pushing a tennis ball away from you. Instead of moving away, the ball pushes back, to the point that it would “take your hand off” if you applied enough pushing force, Martire tells Popular Mechanics . That’s a sign of negative energy, and, though the Alcubierre drive design requires it, there’s no way to harness it.

Instead, regular old positive energy is more feasible for constructing the “ warp bubble .” As its name suggests, it’s a spherical structure that surrounds and encloses space for a passenger ship using a shell of regular—but incredibly dense—matter. The bubble propels the spaceship using the powerful gravity of the shell, but without causing the passengers to feel any acceleration. “An elevator ride would be more eventful,” Martire says.

That’s because the density of the shell, as well as the pressure it exerts on the interior, is controlled carefully, Fuchs tells Popular Mechanics . Nothing can travel faster than the speed of light, according to the gravity-bound principles of Albert Einstein’s theory of general relativity . So the bubble is designed such that observers within their local spacetime environment—inside the bubble—experience normal movement in time. Simultaneously, the bubble itself compresses the spacetime in front of the ship and expands it behind the ship, ferrying itself and the contained craft incredibly fast. The walls of the bubble generate the necessary momentum, akin to the momentum of balls rolling, Fuchs explains. “It’s the movement of the matter in the walls that actually creates the effect for passengers on the inside.”

Building on its 2021 paper published in Classical and Quantum Gravity —which details the same researchers’ earlier work on physical warp drives—the team was able to model the complexity of the system using its own computational program, Warp Factory. This toolkit for modeling warp drive spacetimes allows researchers to evaluate Einstein’s field equations and compute the energy conditions required for various warp drive geometries. Anyone can download and use it for free . These experiments led to what Fuchs calls a mini model, the first general model of a positive-energy warp drive. Their past work also demonstrated that the amount of energy a warp bubble requires depends on the shape of the bubble; for example, the flatter the bubble in the direction of travel, the less energy it needs.

☄️ DID YOU KNOW? People have been imagining traveling as fast as light for nearly a century, if not longer. The 1931 novel Islands of Space by John W. Campbell mentions a “warp” method in the context of superluminal space travel.

This latest advancement suggests fresh possibilities for studying warp travel design, Erik Lentz, Ph.D., tells Popular Mechanics . In his current position as a staff physicist at Pacific Northwest National Laboratory in Richland, Washington, Lentz contributes to research on dark matter detection and quantum information science research. His independent research in warp drive theory also aims to be grounded in conventional physics while reimagining the shape of warped space. The topic needs to overcome many practical hurdles, he says.

Controlling warp bubbles requires a great deal of coordination because they involve enormous amounts of matter and energy to keep the passengers safe and with a similar passage of time as the destination. “We could just as well engineer spacetime where time passes much differently inside [the passenger compartment] than outside. We could miss our appointment at Proxima Centauri if we aren’t careful,” Lentz says. “That is still a risk if we are traveling less than the speed of light.” Communication between people inside the bubble and outside could also become distorted as it passes through the curvature of warped space, he adds.

While Applied Physics’ current solution requires a warp drive that travels below the speed of light, the model still needs to plug in a mass equivalent to about two Jupiters. Otherwise, it will never achieve the gravitational force and momentum high enough to cause a meaningful warp effect. But no one knows what the source of this mass could be—not yet, at least. Some research suggests that if we could somehow harness dark matter , we could use it for light-speed travel, but Fuchs and Martire are doubtful, since it’s currently a big mystery (and an exotic particle).

Despite the many problems scientists still need to solve to build a working warp drive, the Applied Physics team claims its model should eventually get closer to light speed. And even if a feasible model remains below the speed of light, it’s a vast improvement over today’s technology. For example, traveling at even half the speed of light to Alpha Centauri would take nine years. In stark contrast, our fastest spacecraft, Voyager 1—currently traveling at 38,000 miles per hour—would take 75,000 years to reach our closest neighboring star system.

Of course, as you approach the actual speed of light, things get truly weird, according to the principles of Einstein’s special relativity . The mass of an object moving faster and faster would increase infinitely, eventually requiring an infinite amount of energy to maintain its speed.

“That’s the chief limitation and key challenge we have to overcome—how can we have all this matter in our [bubble], but not at such a scale that we can never even put it together?” Martire says. It’s possible the answer lies in condensed matter physics, he adds. This branch of physics deals particularly with the forces between atoms and electrons in matter. It has already proven fundamental to several of our current technologies, such as transistors, solid-state lasers, and magnetic storage media.

The other big issue is that current models allow a stable warp bubble, but only for a constant velocity. Scientists still need to figure out how to design an initial acceleration. On the other end of the journey, how will the ship slow down and stop? “It’s like trying to grasp the automobile for the first time,” Martire says. “We don’t have an engine just yet, but we see the light at the end of the tunnel.” Warp drive technology is at the stage of 1882 car technology, he says: when automobile travel was possible, but it still looked like a hard, hard problem.

The Applied Physics team believes future innovations in warp travel are inevitable. The general positive energy model is a first step. Besides, you don’t need to zoom at light speed to achieve distances that today are just a dream, Martire says. “Humanity is officially, mathematically, on an interstellar track.”

Before joining Popular Mechanics , Manasee Wagh worked as a newspaper reporter, a science journalist, a tech writer, and a computer engineer. She’s always looking for ways to combine the three greatest joys in her life: science, travel, and food.

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THE 10 BEST Resorts near Museum of Labor Glory, Elektrostal

Resorts near museum of labor glory, property types, distance from, traveller rating, hotel class.

• Best Value Properties ranked using exclusive Tripadvisor data, including traveller ratings, confirmed availability from our partners, prices, booking popularity and location, as well as personal user preferences and recently viewed hotels.
• Traveller Ranked Highest rated hotels on Tripadvisor, based on traveller reviews.
• Distance from Museum of Labor Glory See properties located closest to the place of interest first with confirmed availability for your dates from our partners.

40 Facts About Elektrostal

Written by Lanette Mayes

Modified & Updated: 10 May 2024

Reviewed by Jessica Corbett

Elektrostal is a vibrant city located in the Moscow Oblast region of Russia. With a rich history, stunning architecture, and a thriving community, Elektrostal is a city that has much to offer. Whether you are a history buff, nature enthusiast, or simply curious about different cultures, Elektrostal is sure to captivate you.

This article will provide you with 40 fascinating facts about Elektrostal, giving you a better understanding of why this city is worth exploring. From its origins as an industrial hub to its modern-day charm, we will delve into the various aspects that make Elektrostal a unique and must-visit destination.

So, join us as we uncover the hidden treasures of Elektrostal and discover what makes this city a true gem in the heart of Russia.

Key Takeaways:

• Elektrostal, known as the “Motor City of Russia,” is a vibrant and growing city with a rich industrial history, offering diverse cultural experiences and a strong commitment to environmental sustainability.
• With its convenient location near Moscow, Elektrostal provides a picturesque landscape, vibrant nightlife, and a range of recreational activities, making it an ideal destination for residents and visitors alike.

Known as the “Motor City of Russia.”

Elektrostal, a city located in the Moscow Oblast region of Russia, earned the nickname “Motor City” due to its significant involvement in the automotive industry.

Home to the Elektrostal Metallurgical Plant.

Elektrostal is renowned for its metallurgical plant, which has been producing high-quality steel and alloys since its establishment in 1916.

Boasts a rich industrial heritage.

Elektrostal has a long history of industrial development, contributing to the growth and progress of the region.

Founded in 1916.

The city of Elektrostal was founded in 1916 as a result of the construction of the Elektrostal Metallurgical Plant.

Located approximately 50 kilometers east of Moscow.

Elektrostal is situated in close proximity to the Russian capital, making it easily accessible for both residents and visitors.

Known for its vibrant cultural scene.

Elektrostal is home to several cultural institutions, including museums, theaters, and art galleries that showcase the city’s rich artistic heritage.

A popular destination for nature lovers.

Surrounded by picturesque landscapes and forests, Elektrostal offers ample opportunities for outdoor activities such as hiking, camping, and birdwatching.

Hosts the annual Elektrostal City Day celebrations.

Every year, Elektrostal organizes festive events and activities to celebrate its founding, bringing together residents and visitors in a spirit of unity and joy.

Has a population of approximately 160,000 people.

Elektrostal is home to a diverse and vibrant community of around 160,000 residents, contributing to its dynamic atmosphere.

Boasts excellent education facilities.

The city is known for its well-established educational institutions, providing quality education to students of all ages.

A center for scientific research and innovation.

Elektrostal serves as an important hub for scientific research, particularly in the fields of metallurgy, materials science, and engineering.

Surrounded by picturesque lakes.

The city is blessed with numerous beautiful lakes, offering scenic views and recreational opportunities for locals and visitors alike.

Well-connected transportation system.

Elektrostal benefits from an efficient transportation network, including highways, railways, and public transportation options, ensuring convenient travel within and beyond the city.

Famous for its traditional Russian cuisine.

Food enthusiasts can indulge in authentic Russian dishes at numerous restaurants and cafes scattered throughout Elektrostal.

Home to notable architectural landmarks.

Elektrostal boasts impressive architecture, including the Church of the Transfiguration of the Lord and the Elektrostal Palace of Culture.

Offers a wide range of recreational facilities.

Residents and visitors can enjoy various recreational activities, such as sports complexes, swimming pools, and fitness centers, enhancing the overall quality of life.

Provides a high standard of healthcare.

Elektrostal is equipped with modern medical facilities, ensuring residents have access to quality healthcare services.

Home to the Elektrostal History Museum.

The Elektrostal History Museum showcases the city’s fascinating past through exhibitions and displays.

A hub for sports enthusiasts.

Elektrostal is passionate about sports, with numerous stadiums, arenas, and sports clubs offering opportunities for athletes and spectators.

Celebrates diverse cultural festivals.

Throughout the year, Elektrostal hosts a variety of cultural festivals, celebrating different ethnicities, traditions, and art forms.

Electric power played a significant role in its early development.

Elektrostal owes its name and initial growth to the establishment of electric power stations and the utilization of electricity in the industrial sector.

Boasts a thriving economy.

The city’s strong industrial base, coupled with its strategic location near Moscow, has contributed to Elektrostal’s prosperous economic status.

Houses the Elektrostal Drama Theater.

The Elektrostal Drama Theater is a cultural centerpiece, attracting theater enthusiasts from far and wide.

Popular destination for winter sports.

Elektrostal’s proximity to ski resorts and winter sport facilities makes it a favorite destination for skiing, snowboarding, and other winter activities.

Promotes environmental sustainability.

Elektrostal prioritizes environmental protection and sustainability, implementing initiatives to reduce pollution and preserve natural resources.

Home to renowned educational institutions.

Elektrostal is known for its prestigious schools and universities, offering a wide range of academic programs to students.

Committed to cultural preservation.

The city values its cultural heritage and takes active steps to preserve and promote traditional customs, crafts, and arts.

Hosts an annual International Film Festival.

The Elektrostal International Film Festival attracts filmmakers and cinema enthusiasts from around the world, showcasing a diverse range of films.

Encourages entrepreneurship and innovation.

Elektrostal supports aspiring entrepreneurs and fosters a culture of innovation, providing opportunities for startups and business development.

Offers a range of housing options.

Elektrostal provides diverse housing options, including apartments, houses, and residential complexes, catering to different lifestyles and budgets.

Home to notable sports teams.

Elektrostal is proud of its sports legacy, with several successful sports teams competing at regional and national levels.

Boasts a vibrant nightlife scene.

Residents and visitors can enjoy a lively nightlife in Elektrostal, with numerous bars, clubs, and entertainment venues.

Promotes cultural exchange and international relations.

Elektrostal actively engages in international partnerships, cultural exchanges, and diplomatic collaborations to foster global connections.

Surrounded by beautiful nature reserves.

Nearby nature reserves, such as the Barybino Forest and Luchinskoye Lake, offer opportunities for nature enthusiasts to explore and appreciate the region’s biodiversity.

Commemorates historical events.

The city pays tribute to significant historical events through memorials, monuments, and exhibitions, ensuring the preservation of collective memory.

Promotes sports and youth development.

Elektrostal invests in sports infrastructure and programs to encourage youth participation, health, and physical fitness.

Hosts annual cultural and artistic festivals.

Throughout the year, Elektrostal celebrates its cultural diversity through festivals dedicated to music, dance, art, and theater.

Provides a picturesque landscape for photography enthusiasts.

The city’s scenic beauty, architectural landmarks, and natural surroundings make it a paradise for photographers.

Connects to Moscow via a direct train line.

The convenient train connection between Elektrostal and Moscow makes commuting between the two cities effortless.

A city with a bright future.

Elektrostal continues to grow and develop, aiming to become a model city in terms of infrastructure, sustainability, and quality of life for its residents.

In conclusion, Elektrostal is a fascinating city with a rich history and a vibrant present. From its origins as a center of steel production to its modern-day status as a hub for education and industry, Elektrostal has plenty to offer both residents and visitors. With its beautiful parks, cultural attractions, and proximity to Moscow, there is no shortage of things to see and do in this dynamic city. Whether you’re interested in exploring its historical landmarks, enjoying outdoor activities, or immersing yourself in the local culture, Elektrostal has something for everyone. So, next time you find yourself in the Moscow region, don’t miss the opportunity to discover the hidden gems of Elektrostal.

Q: What is the population of Elektrostal?

A: As of the latest data, the population of Elektrostal is approximately XXXX.

Q: How far is Elektrostal from Moscow?

A: Elektrostal is located approximately XX kilometers away from Moscow.

Q: Are there any famous landmarks in Elektrostal?

A: Yes, Elektrostal is home to several notable landmarks, including XXXX and XXXX.

Q: What industries are prominent in Elektrostal?

A: Elektrostal is known for its steel production industry and is also a center for engineering and manufacturing.

Q: Are there any universities or educational institutions in Elektrostal?

A: Yes, Elektrostal is home to XXXX University and several other educational institutions.

Q: What are some popular outdoor activities in Elektrostal?

A: Elektrostal offers several outdoor activities, such as hiking, cycling, and picnicking in its beautiful parks.

Q: Is Elektrostal well-connected in terms of transportation?

A: Yes, Elektrostal has good transportation links, including trains and buses, making it easily accessible from nearby cities.

Q: Are there any annual events or festivals in Elektrostal?

A: Yes, Elektrostal hosts various events and festivals throughout the year, including XXXX and XXXX.

Elektrostal's fascinating history, vibrant culture, and promising future make it a city worth exploring. For more captivating facts about cities around the world, discover the unique characteristics that define each city . Uncover the hidden gems of Moscow Oblast through our in-depth look at Kolomna. Lastly, dive into the rich industrial heritage of Teesside, a thriving industrial center with its own story to tell.

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Best Hotels Near Electrostal History and Art Museum, Elektrostal

Hotels near electrostal history and art museum, property types, distance from, traveller rating, hotel class.

• Best Value Properties ranked using exclusive Tripadvisor data, including traveller ratings, confirmed availability from our partners, prices, booking popularity and location, as well as personal user preferences and recently viewed hotels.
• Traveller Ranked Highest rated hotels on Tripadvisor, based on traveller reviews.
• Distance from Electrostal History and Art Museum See properties located closest to the place of interest first with confirmed availability for your dates from our partners.

PLEASE NOTE

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Why Is Car Insurance So Expensive?

Soaring premiums have become a prominent driver of inflation, and insurers say that more increases could be on the way. How did it get like this?

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By Emily Flitter

If your car broke down two years ago, it probably became a bigger problem than you bargained for.

A confluence of forces were to blame: The Covid pandemic disrupted supply chains, pushing used car prices to record highs and making spare parts hard to get; out-of-practice drivers emerging from lockdowns caused more severe wrecks; and technological advancements like motion sensors made even the simplest parts, like a fender or a rim, expensive to replace .

Things have since improved for car owners — except when it comes to insurance bills. Car insurers are still raising prices steeply: The price of motor vehicle insurance rose more than 22 percent in the year through April, the fastest pace since the 1970s, according to a report the Bureau of Labor Statistics on Wednesday. According to calculations by the Insurance Information Institute, a trade group, the average 12-month premium for car insurance was $1,280 in 2023, the industry’s most recent figures.

That has made car insurance a prominent factor preventing overall inflation from cooling more quickly, which could force the Federal Reserve to keep interest rates higher for longer even as the prices for many other essential goods and services have slowed.

Geico recently reported a big jump in quarterly profit on higher premiums and lower customer claims. The share prices of other big auto insurers, like Allstate and Progressive, have beaten the rise in the overall market this year.

That has attracted scrutiny from economists . A key reason car insurance costs are rising so fast right now has to do with how the industry is regulated.

How does insurance regulation work?

Insurers are regulated by the states, not the federal government. In all 50 states, insurance companies must follow specific rules about how and when they can raise the price on their policies.

Each state’s laws are broadly similar, and require insurers to ask regulators for permission to raise prices. Insurers have to make a case — with data to back it up — that the increase is necessary and that they will not make too large a profit on the re-priced policies. This application, known in the business as a “rate filing,” involves complicated paperwork that may take weeks or months to resolve.

The data has to include an analysis of loss trends from the past couple of years, as well as projections for replacement costs and profits. If insurers are deemed to profit too heavily, regulators can make them return money to customers.

The threat of returning money is not an idle one. At the height of pandemic lockdowns in 2020, when many cars sat idle, insurers returned almost $13 billion to customers through dividends, refund checks and premium reductions for policy renewals, according to the insurance ratings agency AM Best.

California was one of the most active states: Insurers there returned $3.2 billion to customers in 2020.

Ricardo Lara, the state’s insurance commissioner, “directed the department to do a very close analysis to make sure that drivers weren’t overcharged,” said Michael Soller, a spokesman for the California Department of Insurance. But starting in late 2021, the state became the poster child for a new problem: an epic backlog of insurers’ requests to raise prices.

How a massive paperwork jam explains rising prices.

When the pandemic shut down most economic activity, it messed up insurers’ ability to use the past to predict the future. For months, they were frozen. They did not submit new rate filings to regulators for a spell — until they did, all at once, in the second half of 2021.

The prices of cars and parts were jumping and drivers were back on the roads and crashing left and right after a hiatus behind the wheel.

“You went from this period of incredible profitability to incredible losses in the blink of an eye,” said Tim Zawacki, an analyst who focuses on insurance at S&P Global Market Intelligence. No companies were willing to stick their necks out by offering lower premiums in the hope of winning new business, he said.

“Everyone was together in significantly pushing for rate increases.”

In California, the most populous U.S. state, insurers were getting creamed by expensive claims.

But the state’s regulator did not start approving insurers’ requests to raise rates until near the end of 2022. The backlog grew so large that the average wait time for approvals was longer — by several months — than the six-month policies that insurers wanted to sell.

“When state regulators delay or prevent companies from accurately pricing insurance, insurers may not be able to absorb the costs,” said Neil Alldredge, the president of the National Association of Mutual Insurance Companies, a trade group that represents many home and auto insurers. The squeeze can lead insurers to leave some states or stop some business lines, he added. “Inefficient regulatory environments in states like California, New Jersey and New York, combined with inflation and increased catastrophic losses, have left consumers with fewer choices of insurers and higher costs,” he said.

California is still the slowest state in the continental United States for auto insurance rate filings, taking an average of 219 days to approve a price proposal for a personal auto policy, according to S&P data provided by Mr. Zawacki.

“We fight for consumers by analyzing all of the data, not just what insurance companies spoon-feed us,” Mr. Soller, the California Department of Insurance spokesman, said.

The S&P analysis showed that New Jersey, the 11th-most populous state, had the sixth-longest wait time, while New York, with the fourth-largest population, had the 7th-longest wait times.

“The department performs a comprehensive review of requests to amend rates or rating systems to ensure compliance with New Jersey law,” said Dawn Thomas, a spokeswoman for the New Jersey Department of Banking and Insurance.

Ms. Thomas said the regulator needed to ensure that each proposed premium increase was “reasonable, adequate, and not unfairly discriminatory,” and that sometimes the insurers’ requests needed to be challenged or denied.

A spokeswoman for New York’s regulator declined to comment.

When will the jam clear?

Shortly before the pandemic, the umbrella organization for state insurance regulators, the National Association of Insurance Commissioners, formed a team of data scientists to help regulators deal with their rate filings, which has gotten more complicated in recent years.

The data team became fully operational in 2021 and its mission is now to help speed up the review process: 37 states have signed up to use it.

This month, during a call with analysts to discuss Allstate’s earnings, company representatives said they had recently reopened their California auto insurance business after getting permission to charge higher rates. The company still wanted to raise prices in other states.

In New York and New Jersey, for example, “even with the rate approvals that we got late last year, we still don’t feel like we’re at the appropriate rate level to want to grow in those two states,” said Mario Rizzo, the president of Allstate’s property-casualty business.

How much higher will premiums go?

In 2021, insurers’ personal auto businesses started recording losses. According to David Blades, an analyst for AM Best, the industry lost $4 billion in 2021, $33 billion in 2022 and roughly $17 billion last year.

According to Dale Porfilio, the chief insurance officer at the Insurance Information Institute, the trade group, many companies still need to raise prices to make up for those bad years.

Last year, insurers raised auto premiums by 14 percent, the biggest increase in over 15 years. Mr. Porfilio’s best guess is that premiums this year will rise another 13 percent.

“It’s going to take time for every company to get their rates to where they want to be,” he said.

Emily Flitter writes about finance and how it impacts society. More about Emily Flitter

Memorial Day weekend 2024 travel will be busiest at these times: How to avoid traffic jams

If you’re traveling for Memorial Day weekend , be prepared to run into some crowds. The next holiday weekend – taking place May 25 to 27 – is slated to see a record-breaking number of travelers, according to AAA. 

A projected 43.8 million Americans are expected to pack their bags for trips over 50 miles or more over the holiday weekend – a 4% increase from last year and close to 2005’s previous record of 44 million. 

“We haven’t seen Memorial Day weekend travel numbers like these in almost 20 years,” said Paula Twidale, Senior Vice President of AAA Travel, in a press release. “We’re projecting an additional one million travelers this holiday weekend compared to 2019, which not only means we’re exceeding pre-pandemic levels but also signals a very busy summer travel season ahead.”

Both roads and airports will be extremely busy, with a historic number of roadtrippers since AAA began tracking data in 2000. That’s 38.4 million drivers, up 4% from last year. 

A predicted 3.51 million airline passengers are expected to hit the skies over the holiday weekend, a 4.8% increase from 2023. This will make for the most crowded Memorial Day weekend at airports since 2005, AAA said. 

Learn more: Best travel insurance

Here’s everything you need to know about traffic if you’re hoping for a Memorial Day weekend getaway.

Summer is just around the corner. Here's everything you need to know for your summertime trip.

What are the most popular destinations for Memorial Day weekend travel?

Most popular domestic destinations:

• Las Vegas, 
• Anaheim/Los Angeles

Most popular international destinations:

• Vancouver, Canada

What are the best times to drive for Memorial Day weekend? 

To avoid the worst traffic, drivers leaving for their long weekend trip on Thursday, May 23, and Friday, May 24, should hit the road before 11 a.m. or after 7 p.m. Thursday and 8 p.m. Friday. 

Travelers driving on Saturday, May 25, who leave before 1 p.m. and after 6 p.m., will be able to avoid the worst traffic jams. On Sunday, drivers should head out before 1 p.m. to avoid the worst congestion. 

Travelers returning home on Monday, May 27, should embark after 7 p.m. if they want to dodge peak traffic. 

What are the worst times to drive by car for Memorial Day weekend?

Travelers should expect the worst traffic on Thursday between noon and 6 p.m. 

Friday between noon and 7 p.m. since they’ll encounter commuter congestion as well. 

Over the weekend, peak traffic is anticipated to be between 2 p.m. and 5 p.m. on Saturday and between 3 p.m. and 7 p.m. on Sunday. 

On Memorial Day, drivers heading back home can expect peak traffic between 3 p.m. and 7 p.m., aka peak rush hour time.

Peak congestion times in major US cities

Travelers who are going through major metropolitan areas should unfortunately expect travel times to be up to 90% longer than usual, according to Bob Pishue, transportation analyst at INRIX. “Travelers should stay up to date on traffic apps, 511 services, and local news stations to avoid sitting in traffic longer than necessary,” Pishue said in a statement. 

• Worst route: Atlanta to Savannah via I-16 E
• Worst day: Saturday, May 25
• Worst time: 4:45 p.m. 
• Estimated travel time: 5 hours, 31 minutes
• 54% increased travel time
• Worst route: Manchester to Boston via I-93 S
• Worst day: Sunday, May 26
• Worst time: 8:45 a.m.
• Estimated travel time: 1 hour, 48 minutes
• 50% increased travel time 
• Worst route: Milwaukee to Chicago via I-94 E 
• Worst time: 4:30 p.m.
• Estimated travel time: 2 hours, 25 minutes
• 27% increased travel time
• Worst route: Fort Collins to Denver via I-25 
• Worst time: 4:15 p.m.
• Estimated travel time: 1 hour, 24 minutes
• 56% increased travel time

Los Angeles

• Worst route: LA to Bakersfield via I-5 N 
• Worst day: Thursday, May 23
• Worst time: 6:15 p.m.
• Estimated travel time: 2 hours, 45 minutes
• 84% increased travel time
• Worst route: New York to Albany via I-87N 
• Worst time: 11:45 a.m. 
• Estimated travel time: 2 hours, 37 minutes

Philadelphia

• Worst route: Philadelphia to Baltimore/DC 
• Worst day: Friday, May 24
• Worst time: 7:30 a.m.
• 64% increased travel time

San Francisco

• Worst route:  San Francisco to Napa via I-80 E
• Worst time: 11 a.m.
• Estimated travel time: 1 hour, 34 minutes

Washington, D.C.

• Worst route: Washington, DC to Baltimore via Balt/Wash Pkwy N 
• Worst time: 2:15 p.m.
• Estimated travel time: 1 hour, 21 minutes
• 72% increased travel time

Kathleen Wong is a travel reporter for USA TODAY based in Hawaii. You can reach her at [email protected] .

Traveling for Memorial Day weekend? Get ready for one of Wisconsin's busiest ever, AAA says.

It’s poised to be one of the busiest Memorial Day travel periods in Wisconsin since the turn of the millennium this year.

This year’s holiday season is expected to be the busiest since 2019, which was a record at the time, and since the COVID-19 pandemic hammered the travel industry, according to an analysis by AAA . The forecast goes back to 2000 and found the main driver of this year’s boost is high consumer interest, the company said in a news release.

“Memorial Day will be the start to a very busy summer of travel,” said Debbie Haas, vice president of travel for AAA, in a press release announcing the forecast. “American travelers are forecast to surpass pre-pandemic levels, making this the busiest Memorial Day holiday weekend in nearly two decades.”

AAA’s analysis shows that 816,913 Wisconsin travelers are expected to travel this year’s Memorial Day weekend, up 4% from 786,232 last year. The majority of that is driving travel, with 734,106 expected to travel by car, with 42,617 and 40,190 by other means like buses, cruises or trains.

Wisconsin’s high interest also mirrors the company’s national forecast. The travel company forecasts that 43.8 million people nationally will travel that weekend, up 5% from 2023, when 42 million traveled.

Here’s what to know about what to expect for traveling — from travel time to costs — on Memorial Day weekend:

Holiday travel expectations at Milwaukee’s airport

While this year’s Memorial Day weekend is shaping up to be a strong travel period, it should be less hectic than the last big travel period of spring break at Milwaukee Mitchell International Airport.

At that time, the local airport saw its parking lot reach capacity and officials urged travelers to plan for it.

Harold Mester, the airport's director of public affairs and marketing, said he expected travel to be up somewhere between 5% to 10% for those traveling out of the city during Memorial Day weekend. He said that was likely to occur due to new flights being offered at the airport compared to last year.

He pointed to airlines like Southwest, which added a nonstop route to Kansas City, and American Airlines, which added routes to Washington D.C., as examples.

“It will be busy for sure. It’s not going to be busy to the level of spring-break busy. It will be busy with people flying out on Thursday or Friday before,” he said. “Those are predictions anyway. I think our numbers will exceed what (AAA) has.”

Mester also said the airport expects a bump in arrivals, as some travelers fly into Milwaukee for outdoor-centric travel in Wisconsin to camp, fish or hike.

He encouraged those traveling during this period to arrive two hours early, especially if they plan to bring a checked bag, and make a parking reservation in advance.

What are gas prices in Wisconsin?

AAA broke down the cost of various travel categories, from gas to airfare, in its forecast. It showed that prices should be comparable to last year’s holiday weekend across many categories. For those traveling locally or regionally, gas prices should be a boon.

That’s because Wisconsin gas prices are tracking lower than last year, AAA’s data showed. However, prices outside the Midwest are higher than that, so don’t expect to see local prices elsewhere.

As of today, the average gas price per gallon in Wisconsin was at $3.30, considerably cheaper than the national average of $3.61.

How much is airfare for the Memorial Day weekend nationally?

AAA said in its news release that airplane ticket prices are comparable to last year, up only 2%, at an average of $778 for a round-trip domestic flight.

In Milwaukee, the average fare was actually cheaper than AAA's data, according to U.S. Bureau of Transportation data. The average fare was down 7%, or at $383.65.

What to expect when booking a hotel on Memorial Day weekend?

Hotel bookings are cheaper this year, down 5% from last year, based on AAA booking data.

AAA forecasted the cost per stay at domestic hotels at $500 for “multiple nights” and said travelers should expect to pay $660 for international hotels.  

What are car rental prices, demand for Memorial Day weekend?

AAA analyzed data on car rentals, finding that they're considerably cheaper this year, down 17% from last year.

It said the average cost of a car rental “for a few days” is $439.

AAA said cities with the highest car rental demand were Orlando, Denver, Atlanta, Boston and Las Vegas. The busiest rental pickup dates are Thursday, May 23, and Friday, May 24, with the average reservation for five days.

Alternative travel methods make a rebound

During the COVID-19 pandemic, other travel methods, like buses, cruises and trains, cratered. This year is poised to return to 2019 levels, AAA said.

It projects that 1.9 million people will travel by these methods, up 5.6% from last year. The highest bump came in ocean and river cruises, the company said.

Best and worst times to drive on Memorial Day weekend

AAA pulled data from INRIX, a transportation data and sights company, to show how travelers should plan for driving by each day of the weekend.

• Thursday, May 23: Leave before 11 a.m. and after 7 p.m. for the best travel times, with the worst travel between 12 p.m. and 6 p.m.
• Friday, May 24: Leave before 11 a.m. and after 8 p.m. for the best travel times, with the worst travel between 12 p.m. and 7 p.m.
• Saturday, May 25: Leave before 1 p.m. and after 6 p.m. for the best travel times, with the worst travel between 2 p.m. and 5 p.m.
• Sunday, May 26: Leave before 1 p.m. for the best travel time, with the worst travel between 3 p.m. and 7 p.m.
• Monday, May 27: Leave after 7 p.m. for the best travel time, with the worst travel between 3 p.m. and 7 p.m.

Top travel destinations in the United States

AAA compiled its booking data to show the top 10 domestic travel destinations for Memorial Day weekend:

• Los Angeles/Anaheim
• Anchorage, Alaska
• Fort Lauderdale

Top travel destinations internationally

The travel company did the same to show popular international destinations:

• Vancouver, British Columbia
• Athens, Greece
• Barcelona, Spain
• St. George, Bermuda
• Edinburgh, Scotland