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How to Get an Auto Insurance Discount by Opting Out of Paper Bills and Documents

Switching to paperless billing is one of the easiest ways to save money on your auto insurance. Many drivers don’t realize that a simple tap or click can unlock a discount that lasts all year. Insurers love digital billing because it cuts their costs, and they share the savings with you.

Going paperless also makes life easier. Instead of sorting through mail, you can keep all your bills and policy updates in one place—your phone or email. It’s fast, clean, and stress-free, which is why more drivers are choosing it every day.

Why Going Paperless Helps You Save Money

Switching to paperless billing is an easy way to save money on auto insurance. Many drivers overlook this option, but insurers often reward customers who opt for digital statements over traditional paper bills. Going paperless benefits both the environment and your budget; an advantage when choosing car insurance Ontario.

Lower Administrative Costs for Insurers

When you opt out of paper bills, your insurance company spends less on printing, mailing, and handling physical documents. These savings add up for the company, and they often pass a portion of those savings directly to you as a discount. It’s a win-win situation: the company saves money, and you pay a little less for the same coverage.

Faster and More Convenient Billing

Paperless billing is not just about discounts; it’s about convenience too. Digital statements arrive in your inbox instantly, so there’s no waiting for the mail. This speed can help you avoid late fees since reminders are sent directly to your email or mobile device. Quick access to bills makes managing your policy simpler and stress-free.

Eco-Friendly Savings

Going paperless also benefits the environment by reducing paper use. While this doesn’t directly affect your premium, many insurance companies promote eco-friendly practices with extra incentives. Being part of this digital movement can sometimes qualify you for additional rewards beyond your standard paperless discount.

Simple Setup, Big Benefits

Switching is usually as simple as checking a box in your online account or contacting your insurance agent. Once you make the change, the discount typically appears on your next billing cycle. Small steps like this can add up over time, making a noticeable difference in your annual insurance costs.

How to Switch to Paperless Billing With Your Insurer

Switching to paperless billing is one of the easiest ways to save money on your auto insurance. Most insurers make the process quick and simple, so you can start enjoying discounts almost immediately.

Check Your Online Account

The first step is to log into your insurance company’s website or mobile app. Most insurers have a clear option labeled “Paperless Billing” or “Go Digital.” Once you find it, you’ll usually just need to click a box or toggle a switch to enroll.

Confirm Your Email and Contact Information

Before your digital statements start arriving, make sure your email address and phone number are correct. Insurers rely on these to send your bills and important updates. Double-checking this information ensures you don’t miss any payments or notifications.

Understand the Timing

After switching, your first digital bill may arrive in the next billing cycle. Some insurers might also offer an instant discount for going paperless, while others apply it to your next payment. Knowing when the savings kick in helps you track your progress.

Get Help if Needed

If you run into any problems or don’t see the paperless option online, calling your insurance agent or customer service is a good idea. They can guide you through the process and make sure your account is properly updated.

Other Perks of Choosing Paperless Documents

Choosing paperless documents for your auto insurance does more than save you money—it makes life easier and more organized. Going digital isn’t just a small convenience; it comes with several extra perks that many drivers love.

Quick Access Anytime, Anywhere

With paperless documents, your bills, statements, and policy updates are delivered straight to your email or app. You no longer need to dig through stacks of mail or worry about losing important papers. Everything is stored digitally and can be accessed whenever you need it.

Better Organization and Less Clutter

Digital documents help keep your insurance information neat and organized. You can create folders on your computer or phone for different policies, making it easy to find what you need in seconds. No more piles of paper or misplaced statements—everything is in one place.

Faster Notifications and Reminders

Paperless billing often comes with alerts for upcoming payments or changes in your policy. These notifications make it easier to stay on top of your insurance and avoid late fees. Instead of waiting for the mail, you get updates instantly.

Eco-Friendly Benefits

Going digital also reduces paper waste, which is better for the environment. Many insurance companies encourage this eco-friendly choice and sometimes offer small incentives for it. By opting for paperless documents, you’re making a positive impact while enjoying practical benefits.

Extra Discounts You Can Combine With Paperless Savings

Going paperless is a simple way to save on your auto insurance, but it doesn’t have to stop there. Many drivers can combine this discount with other savings to lower their total premium even more.

Bundling Policies for Bigger Savings

One of the easiest ways to save is by bundling your auto insurance with other policies, like home or renters insurance. Insurers often offer a discount when you keep multiple policies with the same company. When combined with your paperless discount, the savings can really add up.

Safe Driver and Low-Mileage Discounts

If you drive carefully or don’t put many miles on your car, you may qualify for additional discounts. Many insurance companies reward drivers with clean records or low annual mileage. Pairing these discounts with paperless billing can reduce your yearly premium noticeably.

Seasonal or Loyalty Discounts

Some insurers offer seasonal promotions or loyalty discounts for long-term customers. By staying on top of these opportunities, you can stack savings with your paperless discount and maximize your benefits.

Check With Your Insurance Agent

The best way to ensure you’re getting all possible discounts is to ask your insurance agent. They can review your policy and let you know which savings can be combined. Sometimes, a quick call or email can uncover discounts you didn’t even know existed.

Combining paperless billing with other available discounts is a smart strategy to save more money. With a few simple steps, you can enjoy multiple savings at once, making your auto insurance more affordable and hassle-free.

Conclusion 

Choosing paperless billing is a quick win for your wallet. It cuts clutter, speeds up updates, and helps you earn extra savings with almost no effort. Just switch your settings, confirm your email, and enjoy lower costs. It’s one of the simplest ways to save on auto insurance today.

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American Graduation Speakers Deliver Antizionist Views

University of Michigan professsor Derek Peterson

By HENRY SREBRNIK Colleges and universities in the United States have hosted and encouraged a surge of radical and pervasive antisemitism in recent years. Graduation commencement ceremonies (known as convocations in Canada) have been a source of tensions over Israel since Oct. 7, 2023.  Multiple schools have disciplined students who made pro-Palestinian comments in their speeches. 

But professors have also fanned the flames. Faculty members have played a significant role in legitimizing and amplifying antisemitism on college campuses. They have shown a propensity to whitewash Hamas and vilify Israel rather than examine the conflict dispassionately.

University of Michigan professor Derek Peterson praised campus pro-Palestinian student protesters during his commencement speech in Ann Arbor on May 2. The History and African-American studies academic and outgoing faculty senate chair told the graduates to “Sing for the pro-Palestinian student activists who have, over these past two years, opened our hearts to the injustice and inhumanity of Israel’s war in Gaza.” His remarks received loud applause. 

 “We regret the pain this has caused on a day devoted to celebration and accomplishment. For this, the university apologizes,” Michigan’s interim president, Domenico Grasso, responded. Michigan’s campus Hillel also condemned Peterson’s speech. “Commencement is a celebration of every graduate. It is not a stage for political statements that alienate the Jewish community,” it asserted. On campus, however, an open letter rebuking Grasso and defending Peterson’s speech had been signed by more than 1,100 faculty members, staff and students in less than 24 hours.

Protesters at the university have also vandalized the home of Jordan Acker, a Jewish member of the university’s board of regents. He will no longer serve on the board, while the attorney who defended the university’s encampment participants from some state-level charges received the Michigan Democratic Party’s nomination for Acker’s seat. 

Amir Makled won the backing despite social media posts that praised Hezbollah and included antisemitic memes. Makled posted retweets of far-right antisemitic conspiracy theorist Candace Owens and referred to Hassan Nasrallah as a martyr after he was killed by Israeli strikes in 2024.

Administrators at Rutgers University in New Jersey canceled a commencement speaker on May 15, citing an “inflammatory claim” he tweeted about Israel. Rami Elghandour, a Rutgers alumnus, had his invitation rescinded when his April 20 tweet, which accused Israel of genocide and claimed that Israelis were “running dungeons where they train dogs to sexually assault prisoners,” was uncovered. 

“They decided that the feelings of a handful of students who said that my social media posts ‘opposed their beliefs,’ were more important than the experience of the entire graduating class, the reputation of the school, the dignity and belonging of Arab and Muslim students, and the First Amendment,” Elghandour wrote. Rutgers Alumnus Christopher Markus, an Emmy Award-winning screenwriter, delivered the address instead, on May 17.  

At Georgetown University, a law professor who disparaged legal efforts to curb pro-Palestinian student activism replaced Morton Schapiro, a pro-Israel Jewish economist and former Northwestern University president, at the commencement, after students launched a petition calling for Schapiro’s removal. The replacement, David Cole, is the former national legal director of the American Civil Liberties Union. In that role, Cole issued a statement soon after the Hamas attack in which he criticized Jewish groups for what he said were calls to “investigate, disband, or penalize pro-Palestinian student groups for exercising their free speech rights.” He compared Congressional investigations on campus antisemitism to McCarthyism.

Cornell University’s Student Assembly on March 12 voted to cut ties with Israel’s Technion University and condemned the university for hosting center-left Israeli politician Tzipi Livni, part of the school’s campus anti-Israel activism. She was accused of being “implicated in war crimes.”

The university’s Jewish president was involved in a recent campus altercation with pro-Palestinian protesters who had surrounded his car following a campus debate on Israel. The Ivy League school’s Board of Trustees issued a statement of support for Michael Kotlikoff following an investigation into the April 30 incident. “President Kotlikoff has shown a steadfast commitment to Cornell’s values and principles, and we are confident he will continue to lead with integrity.” 

Following the talk, members of the protest group Students for a Democratic Cornell followed the president to his car and appeared to try to block its path. When he did edge his way out of his parking spot, they said he bumped some of the protesters with his vehicle. Despite all that, President Kotlikoff was himself the speaker at the university’s May 23 commencement. 

A flag with swastikas surrounding the Star of David flew briefly atop a New York University building during a graduation event May 13, as hundreds gathered for an outdoor celebration called “Grad Alley” on West Fourth Street. “We are shocked and deeply troubled that this hateful symbol expressing antisemitism was raised on a flagpole overlooking Washington Square Park,” said NYU spokesperson Wiley Norvell. 

Student government leaders at the university had objected to the selection of Jonathan Haidt as the graduation speaker at Yankee Stadium May 14, calling it “deeply unsettling.” An NYU social psychologist and author, he has been highly critical of the culture in which many young adults today are raised.

A network of anti-Israel activist groups coordinated “Nakba 78” protests across the United States the weekend of May 15, with organizers using the anniversary of Israel’s founding to challenge the Jewish state’s right to exist. University of California campuses have faced an antisemitism crisis, with dramatic increases in harassment, intimidation, and exclusionary conduct targeting Jewish students and others labeled “Zionist” or “pro-Israel.”  Among many events, University of California, Berkeley lecturer Hatem Bazian spoke at a three-day “Islam, Memory and the Nakba” conference in Burlingame, Oakland and Los Gatos.

Even the UCLA campus Hillel was targeted. The Undergraduate Students Association Council condemned an April 14 Yom HaShoah event organized by Hillel featuring freed Israeli hostage Omer Shem Tov. He was kidnapped from the Nova music festival on Oct. 7, 2023, and held hostage in Gaza until his release in a prisoner exchange in February 2025.

“While we affirm the humanity of all people impacted by violence, we reject the selective platforming of narratives that obscure the broader reality of ongoing state violence,” they stated. “Israel is currently continuing to carry out what has been widely identified by human rights advocates as a genocide in Gaza, while also expanding its illegal military campaign into Lebanon.”

This has become part of an effort to delegitimize Hillel chapters, long seen as the main address for Jewish life on most American campuses. Hillel International asks all its affiliate chapters to maintain an unwavering commitment and support for Israel, discouraging criticism of the Israeli state. 

The New School, a university in New York City, on May 2 rejected a student government vote to defund and cut ties with the campus chapter of Hillel. The student senate a day earlier had voted to strip funding and stop collaboration with the campus chapter of the Jewish student organization, claiming violations of “international law” due to volunteer opportunities it has offered with the Israel Defence Forces. They also cited Hillel’s promotion of 10-day Birthright trips and other programs in Israel. Hillel International and other Jewish groups have said that efforts to shut down the Jewish student organization are antisemitic.

But it seems to be working. Swarthmore College in 2015 became the first campus to break with Hillel International. They began to call themselves an “Open Hillel,” then rebranded entirely after the parent organization threatened legal action over a civil rights panel it deemed too critical of Israel. Now, the student leaders of the campus Hillel at Middlebury College have voted to rename its student group, moving to distance it from an international organization they say is too pro-Israel. It was renamed the Jewish Association at Middlebury. Might others follow?

Henry Srebrnik is a professor emeritus of political science at the University of Prince Edward Island.

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Tracking U.S. Immigration Statistics by Year: Shifts in Policy and Population Growth

Every number tells a story. Behind each datapoint on U.S. immigration lies a family that crossed a border, a student who arrived with a scholarship, or a worker chasing opportunity. Taken together, these stories form the demographic backbone of the country.

This article traces how immigration has shifted across time and into 2026. By focusing on statistics, we can see how policies, world events, and enforcement measures leave clear marks on US immigration. The aim is not just to report numbers, but to understand what they mean for America’s growth, its labor force, and its future.

Illegal Immigration Statistics USA 2026

Numbers on unauthorized immigration are never exact, but careful estimates reveal striking trends. This section draws from research led by Jennifer Lockman, a senior analyst affiliated with an essay writing service, EssayService, known for blending demographic data with policy context.

Lockman, who often collaborates with professional human essay writers online to translate complex data into accessible reports, describes her process as “writing an essay in numbers”: collecting surveys, interviewing migrants, and checking official counts against lived experience. Her 2026 research involved both government datasets and community-based surveys, making the results more credible.

She found that by 2023, the U.S. undocumented population had surged to 14 million, the largest in history. Roughly 27% of all immigrants in the U.S. lacked legal status at that point. But in early 2026, the trend reversed: deportations rose, border encounters fell, and the total unauthorized population declined for the first time in over a decade.

Lockman’s approach gave weight to personal accounts, such as Central American families waiting years for asylum rulings or Venezuelan migrants finding “twilight” legal status. These essay-style narratives backed the data: 6 million of the 14 million undocumented migrants in 2023 held temporary protections (asylum applicants, DACA, TPS holders), leaving them neither fully documented nor fully unauthorized.

Unauthorized Immigrant Population and Trends (2010–2026)

YearEstimated Unauthorized PopulationShare of Total Immigrant PopulationNotes
201011.2 million24%Plateau after 2007 surge
201511.0 million23%Stable, slight decline
202010.3 million22%Pandemic slowed inflows
202212.8 million25%Border arrivals surged
202314.0 million27%Record high
Jan 202613.9 million26%Peak levels
Jun 202613.5 million26%Decline after policy changes

Key facts:

  • Mexico remains the top origin, about 5.5 million people (40%).
  • Central America accounts for ~20% (Guatemala, Honduras, El Salvador).
  • Venezuela has grown rapidly, adding ~500,000 recent arrivals.
  • Roughly 4% of the entire U.S. population is unauthorized.

Lockman concludes that immigration enforcement in 2026 created “the first visible dip in the shadow population,” but warned that long-term structural issues remain unresolved.

U.S. Immigration by Year: A Historical Perspective

The US immigration tendencies show clear peaks and valleys tied to events. In the 1990s, the U.S. legalized millions under the Immigration Reform and Control Act, pushing green card totals to a historic 1.8 million in 1991. After that, flows stabilized at about 1 million new permanent residents annually, until the COVID-19 pandemic in 2020 cut arrivals by nearly half.

By FY 2023, recovery was in full swing, with 1.17 million new green cards issued. Adding temporary migrants, asylum seekers, and undocumented arrivals, the foreign-born population climbed to 53.3 million by January 2026, or 15.8% of the U.S. population. That was the highest share since records began.

Yet, for the first time in 50 years, the number dipped in the first half of 2026, down to 51.9 million (15.4%) by June. This decline underscores how quickly policy can reshape the chart, from expansion to contraction in just months.

The US immigration chart for the last three decades makes the shift visible:

YearTotal Foreign-Born PopulationShare of U.S. PopulationNotable Context
199019.8 million7.9%Start of modern growth
200031.1 million11%Post-1990s inflows
201040.0 million13%Strong growth
202045.0 million13.7%Pandemic slows flows
202347.8 million14.5%Border surge
Jan 202653.3 million15.8%All-time high
Jun 202651.9 million15.4%First decline in 50+ years

The picture is clear: immigration has been the sole driver of U.S. population growth in recent years, even as birth rates among the native-born decline.

How Many Immigrants Came to the U.S. in 2026?

By mid-2026, immigration flows had already shifted noticeably. According to US immigration statistics released by DHS and the Census Bureau, roughly 1.2 million immigrants entered the U.S. in the first half of 2026 through legal channels: green cards, work visas, student visas, and refugee admissions combined. That’s a slight drop compared to 2023 and 2024, when yearly admissions reached over 2 million.

When unauthorized migration is factored in, early 2026 arrivals added another estimated 250,000 to 300,000 people. This marked the smallest six-month increase in over a decade, reflecting tightened enforcement and economic slowdowns abroad.

Immigrant Admissions and Arrivals (2023–2026)

YearLegal Permanent ResidentsTemporary/Work/StudyRefugees & Asylum GrantsEstimated Unauthorized ArrivalsTotal
20231.17 million1.1 million200,0001.7 million~4.2 million
20241.05 million950,000180,0001.5 million~3.7 million
2026 (Jan–Jun)600,000500,00095,000250,000~1.45 million

These figures reveal a paradox: even as the U.S. foreign-born population peaked in early 2026, inflows slowed soon after, signaling a turning point.

Facts About Immigrants: Beyond the Numbers

Every chart hides a set of lived experiences. Behind US immigration statistics are students, workers, and families reshaping communities. Here are some highlights:

  • Top origins: Mexico (23%), India (6%), China (5%), Philippines (5%).
  • Education levels: 47% of immigrants arriving since 2010 hold a bachelor’s degree or higher.
  • Labor force impact: Immigrants represent 18% of the U.S. workforce as of 2026.
  • Citizenship: Nearly 45% of the foreign-born are naturalized U.S. citizens.
  • Households: Roughly 14% of U.S. households are headed by an immigrant, many of them multigenerational.
  • Economic output: Immigrant-led businesses generate over $1.3 trillion in sales annually, fueling both local and national economies.

These numbers remind us that immigration is not just a border issue. It shapes schools, hospitals, and industries across every state.

Policy Shifts and Their Impact

Immigration ebbs and flows with the law. Every reform, executive order, or court ruling alters the trajectory of entries and the size of the foreign-born population.

Key policy-linked shifts:

  • 1990s IRCA reforms legalized millions, creating the largest one-year spike in green cards.
  • Post-9/11 tightened visa screening and slowed flows in the early 2000s.
  • 2017–2020 restrictions cut refugee resettlement to historic lows (below 20,000 annually).
  • 2021–2023 expansions raised ceilings again and offered protections to Venezuelans and Afghans.
  • 2026 enforcement showed the first measurable decline in the total immigrant population in half a century.

Taken together, these shifts reveal a pendulum effect: expansion, contraction, and expansion again. Immigration policy has never been static, and each wave leaves long shadows in classrooms, in labor markets, and in family reunifications.

Conclusion: The Changing Shape of Immigration

Looking ahead, immigration will remain central to U.S. growth. With declining birth rates among native-born Americans, new arrivals sustain both population and workforce numbers. Whether immigration grows or contracts depends less on individual desire to migrate than on how U.S. policy balances enforcement and opportunity.

Immigration data is a mirror. It reflects national priorities, international crises, and the human drive to move. The question is not whether immigration shapes the U.S., but how the U.S. chooses to shape immigration.

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Brave American hero only US soldier to be included among Yad Vashem’s Righteous Among the Nations

Master Sargent Roddie Edmonds/his son, Chris Edmonds

By MYRON LOVE Courage is a rare quality. More than 80 years ago, Roddie Edmonds, a master sergeant in the American army, showed what courage looked like when the then-POW successfully stared down the barrel of a Nazi gun, thereby saving the lives of about 200 of his Jewish fellow POWS.
 In 2013, Edmonds became the first American soldier to be inducted into Yad Vashem’s list of Righteous Among the Nations – a designation that recognizes non-Jews who risked their lives during World war II to shelter and save Jewish lives.  Earlier this year, he was also awarded the Medal of Honour, America’s highest medal for bravery.
On Wednesday, May 6, Roddie’s son, Chris, was in Winnipeg to tell his father’s story. Speaking at the Truth and Life Worship Centre in St. Vital to an audience of Jewish community members and  non-Jewish supporters, the younger Edmonds, a Christian pastor from Tennessee, related how his father – at the age of 14 – in Chris’s words, committed himself to Jesus.
In the brutal winter of 1944, Master Sargent Roddie Edmonds and his 106th infantry division were thrust into action for the first time, in the Ardennes Forest. They were unprepared for what was to come.
Five days after their posting, they were hit hard by an unexpected Nazi onslaught in what became known as the Battle of the Bulge, the last great battle of the war on the Western front. Edmonds’ unit was quickly overrun and he was one of as many as 9,000 GIs who were taken prisoner.
Chris Edmonds described the POWs’ dire situation in detail. They were forced to walk for four days in freezing cold, deep snow, and constant rain. They were then put into the Nazis’ notorious sealed box  cars – standing room only – and subsequently divided among several POW camps.
Master Sgt. Edmonds found himself the ranking officer responsible for almost 1,300 POWS – among them about 200 Jewish American GIs. It was Nazi practice to separate the Jewish GIs from the others and ship them to concentration camps.
On January 7, the POWs’ first day in camp, the Nazi commandant ordered Edmonds to tell only the Jewish GIs to turn up for roll call the next morning. The night before, Edmonds spoke to all of his charges and they all agreed on a plan.  The next morning, all of the GIs presented themselves – including the weak and the sick – all claiming to be Jewish.
The Nazi commandant – red in the face with anger –  put a gun to the 22-year-old Edmond’s head and demanded that he identify the Jewish GIs. He refused.  Instead, according to his son, Chris, Roddie calmly pointed out to the commandant that the war would soon be over, the Allies were going to win, and if the commandant were to harm any of the POWs, he might be prosecuted for war crimes after the war.
 As Chris noted, the colour drained from the commandant’s face, he put the gun down, and returned to his office.
Liberation for the POWS came on May 5, 1945, with the arrival of a couple of American tank columns.
 
Chris attributed his father’s bravery to his deep faith and love of God.
“Dad used to say that fear of people makes you scared, but fear of God makes you brave.”
Now, as was the norm, returning soldiers, POWs and Holocaust survivors rarely spoke about their war time experiences – not even to their families.  All Chris knew about his father’s war was that he was a POW. 
Roddie Edmonds came home, married, had a family, was an outstanding dad – according to his son – and enjoyed a successful career in sales.  He died  in 1985 at the age of 66.
Chris Edmonds first learned about his father’s heroism in 2008 while reading an interview in the New York Times with Lester Tanner, a prominent New York-based attorney. During the course of the interview, Tanner – whose original name was Tannenbaum – mentioned the American master sergeant who had saved his life.
 Chris Edmonds reached out to Tanner, who subsequently invited the Edmonds family to come to New York where the former GI arranged for the family to be lodged at the prestigious Harbor Club and generally gave them the royal treatment.  Tanner also described what had happened in that POW camp.
 
Chris was inspired to learn all he could about his father’s war time experiences.  Fortunately, his mother had kept all of his father’s effects. Among his father’s possessions, Chris found a detailed diary of his father’s time as a POW.
As a result of Chris Edmonds’ research, he wrote a book titled “No Surrender; A father, a Son and an extraordinary Act of Heroism That Continues to Live on Today” (with co-author Douglas Century). He also produced a documentary, “Footsteps of My Father,” which includes commentary by Tanner and some of the other Jewish POWs who were spared as a result of Roddie Edmonds’ bravery.
The documentary was part of Chris’s presentation at the Truth and Life Worship Centre.
Chris Edmonds has also founded an organization: “Roddie’s Code,” which is dedicated to “extending the leadership and legacy of his father to future generations.”
Edmonds was brought to Winnipeg by community leader Larry Vickar and Christian Zionist Pastor Rudy Fidel, both of whom heard Edmonds speak in Florida earlier this year.  The presentation here was sponsored by  B’nai Brith Canada’s Manitoba Jewish-Christian Roundtable.
While in Winnipeg, Edmonds was also able to present his inspiring story to close to 700 students at Gray Academy, St. Paul’s  High School, and Vincent Massey Collegiate.
In closing, Chris Edmonds noted that his father’s actions in that POW cap didn’t just save the 200 Jewish POWs who were there, but also their future generations – numbering around 20,000, who would not have been alive today.
“My dad used to say that there are two main purposes in life,” Chris said. “

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