Drivers are finding it increasingly difficult to find affordable car insurance in California, with many facing higher premiums and extended waiting periods. In response, California’s Insurance Commissioner has warned insurers that their practices could be in violation of state law, and is threatening enforcement. CalMatters economy reporter Levi Sumagaysay discusses the shifting auto insurance landscape, and also talks about the resources drivers can take advantage of to get insured.

The new and improved federal financial aid program for college, also known as FAFSA, is off to a rough start as tens of millions of high school seniors and their families try to navigate the newly revamped application process. In addition, several new changes to FAFSA will either make it easier or difficult to get college aid. Joining us to sift through all of the tweaks and changes are Melissa McClellan, Director of College Counseling at Christian Brothers High School, Jackie Nevarez, Coordinator for College and Career Experience at the Sacramento City Unified School District, and John Waldrep with the California Student Aid Commission.

For those counting the final days with a Christmas tree, there are ways you can recycle your Christmas tree for free. CapRadio Environment Reporter Manola Secaira explains how it differs from one city to the next, and she also provides an update a year after California’s composting mandate. Starting this year, California municipalities will have the option to fine residents who aren’t complying with the mandate. But for Sacramento-region officials, the priority has been educating residents and boosting participation in the mandatory program.