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Want to Lower Auto Insurance Premiums in Your State? Legalize Medical Marijuana Says New Study



Legal Medical Marijuana Leads to Safer Roads, Lower Auto Insurance Premiums

marijuana and auto insurance rates

According to a recent study, medical marijuana legalization is associated with lower motor insurance costs as a result of fewer traffic accidents. According to the report, legalization has prevented $820 million in medical expenses associated with traffic accidents per year.


According to the report, the federal government could save an additional $350 million if cannabis were legalized. The results of the study, which were headed by experts from Temple University’s Fox School of Business, are a far cry from the fears held by critics of cannabis legalization that the streets of states with legalized marijuana will be overrun by recklessly high drivers.


The study was released in the journal Health Economics by the researchers. They hypothesized that the decrease in accidents that resulted in a decrease in insurance premiums was partially caused by fewer persons drinking and driving due to the availability of cannabis.




Younger generations in the United States appear to be drinking less alcohol, and this tendency appears to have increased with the legalization of cannabis. They approach cannabis differently, which contributes to this.


It was found in a recent survey that 58% of Americans believe alcohol is worse for one’s health than marijuana. There is a significant generational divide: only 27% of those of the Silent generation believe alcohol is more hazardous than marijuana, compared to 71% of millennials, 63% of Gen Z, 55% of Gen X, and 51% of Baby Boomers.


Has this notion, however, caused anyone to convert from alcohol consumption to consuming cannabis? According to several studies, this is taking place. For instance, a survey carried out at the University of Washington discovered that 21 to 24-year-olds who had access to legal cannabis consumed less alcohol in the previous month. Additionally, Massachusetts stated that by 2021, cannabis sales would outpace those of alcohol.


It had even led to a movement in California called ‘Cali Sober,’ which is a trend where people stop or greatly lessen the use of alcohol and switch to cannabis.




Data from insurers from 2014 to 2019 in states with cannabis laws were examined in the study. Researchers discovered that after states had made medical marijuana legal, premiums decreased by an average of $22 annually.


The decrease was attributed by the researchers to safer roads, with fewer drunk driving being part of the explanation. Reduced health expenditures associated with car accidents resulted from the association between legalized medical marijuana and improved road safety. Additionally, over the years the study was conducted, it resulted in a $1.5 billion reduction in insurance rates.


Additionally, it was discovered by the researchers that the effect is more prominent in areas with a higher rate of drunk driving and in locations near a cannabis dispensary prior to legalization. The study provides policymakers in states where the use of medical marijuana is prohibited or restricted with another issue to think about. Larger states, including North Carolina, Texas, Georgia, Wisconsin, and Tennessee, are among those mentioned.




According to the analysis, the legalization of medical marijuana “has lowered auto insurance premiums by $1.5 billion in all the states where cannabis is currently legalized, with the ability to lower premiums by an additional $900 million if the remaining states were to legalize cannabis a combined total of $2.4 billion in potential payment reductions for drivers under nationwide medical cannabis access.


We discover evidence of a beneficial societal impact of medical cannabis on auto safety since motor insurance premiums are closely related to property damage and health outcomes, the study revealed.


The report also found that states that have legalized medicinal marijuana alone have saved 820 million dollars a year in costs thanks to lower health expenditure auto claims.




In another recent study, it was discovered that states that had legalized marijuana are witnessing fewer reports of people driving while high on cannabis than in the states where it is still prohibited. Activists and experts have laid emphasis on the fact that there is no clear or proven relationship between blood THC levels and driver’s impairment.


A study carried out in 2019 found that people driving under the legal THC limit, statistically, do not have a higher probability of getting into accidents. Mind you; this is in comparison to individuals with no THC.


In 2019, The Congressional Research Service discerned that consumption of cannabis could have an impact on an individual’s motor performance and response times. Studies of the effect of cannabis consumption on the risk of drivers being involved in a crash have given inconsistent results. It was noted by the CRS that some studies find a little or boosted risk of an accident from cannabis usage.




An analysis based on zip code found that lesser annual premium costs were more substantial in areas that are directly exposed to a dispensary, which suggests that higher access to marijuana drives the result.


In addition, the study finds “quite big premium declines in regions with relatively high rates of driving under the influence before medicinal marijuana legalization.” The authors of the study claim that this is consistent with substance substitution.


The main point is that although driving while high is dangerous, making medical marijuana legal can make the road safer by reducing the occurrence of drunk driving enough to balance it, said co-author and Temple University researcher Cameron Ellis.




From reports based on different studies, it has been/could be concluded that legalizing medical marijuana will lead to fewer road accidents and reduce auto insurance premiums (as there will be fewer motor crashes on the road).


It was shown that the incidence of motor crashes on the road was more linked to drinking under the influence of alcohol as opposed to marijuana consumption. Even if driving under any influence is absolutely a bad idea, the probability that people might switch from alcohol to cannabis if made legal and leading to reduced road accidents, is worth considering.





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States to Feds: End Cannabis Prohibition Now




After a vote last week, the National Conference of State Legislators (NCSL) adopted a revised cannabis policy measure (the “Directive“) which supports federally descheduling cannabis, as well as cannabis banking reform. At this point, it’s abundantly clear that the states have moved beyond cannabis prohibition.

The NCSL is a non-partisan organization that represents all state legislators nationwide. A state legislator present at the summit, held in Denver, said that most of the discussion leading up to the vote centered on federal cannabis banking reform, but there was no debate on the language of cannabis legalization. The legislator said that there was minimal opposition, with an estimated five to seven states of the 44 in attendance that vocalized their opposition.

NCSL passed similar measures back in 2017 and 2018 calling for cannabis descheduling, though those measures were limited in scope, specifying that states should be free to establish their own cannabis legislation without federal intervention. This time, the NCSL made an explicit call for federal cannabis legalization. The Directive also states that “until cannabis is federally descheduled,” the federal government should focus on enforcing penalties for criminal enterprises in “illicit” cannabis production and distribution instead of citizens who comply with state cannabis legislation.

A new section of the Directive charges Congress with passing legislation centered on cannabis banking reform. The Directive states that cannabis businesses are forced to deal primarily in cash because they cannot access the country’s banking system, which makes them prime targets for theft, burglary, and armed robbery. This section “urges Congress to pass legislation allowing financial institutions to provide banking services to legitimate state authorized cannabis-related businesses.” This strong language demonstrates the state legislators’ focus on cannabis banking reform and access to financial services.

The Directive is significant for several reasons. Primarily, it shows that states favor an escalation of federal cannabis reform since adopting past measures. Instead of simply resolving that the federal government should not interfere with state cannabis legislation, the revised measure calls on Congress to deschedule cannabis and reform cannabis banking at the federal level. The Directive also demonstrates uniformity among state legislators in supporting federal cannabis reform, as the measure passed with an overwhelming majority and marginal voiced opposition.

The timing of the Directive is interesting, as it comes with roughly a dozen federal cannabis reform bills floating around Congress. Perhaps the bill with the greatest amount of traction is the Cannabis Administration and Opportunity Act (CAOA), sponsored by Senate Majority Leader Chuck Schumer (D-NY) and Senators Ron Wyden (D-OR) and Cory Booker (D-NJ). The bill was filed last month, and while there may not be enough support for the CAOA to clear the Senate’s 60-vote threshold in the immediate future, Schumer has continued holding bipartisan talks about cannabis reform. He most recently stated that he is committed to passing “something” on cannabis reform by the end of the year.

Finally, NCSL adopted the Directive with the SAFE Banking Act having floated around Congress for several years. The SAFE Banking Act is a bill aimed at remedying the cannabis industry’s exclusion from the banking system, but was recently left out of a larger package of manufacturing reforms as a concession to Republicans lawmakers to pass the bundle of reforms.

The latest NCSL adopted cannabis measure, which supports the federal descheduling of cannabis and cannabis banking reform, is a positive development. It indicates pressure to hasten reform and uniformity among state legislators. Whether Majority Leader Schumer gets his wish and passes “something” on cannabis reform this year remains to be seen.

To catch up on recent federal efforts to end cannabis prohibition, check out the following:

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What are Cannabinoids and Can You Lose Weight with THCV or Sleep Better with CBN?




What are cannabinoids? We’ve all heard of cannabis and hemp, THC and CBD, but what about THCV and CBDV, CBN and CBG? How many cannabinoids are there? It turns out that there are more than 100 cannabinoids, each with unique effects and benefits. For example, THCV oils and gummies increase energy and suppress hunger, making them a potentially useful addition to a weight loss regime. On the other hand, CBDV is being studied for autism, CBG for pain and inflammation, and CBN is believed to be the best for relaxation and deep sleep.


For this article, we asked industry leader Rare Cannabinoid Company to answer the most frequently asked questions about these beneficial compounds, their uses, and how to take them. The premium Hawaiian company was the first to produce pure THCV and CBDV oils and has the widest selection of oils and gummies of CBC, CBDA, CBDV, CBGA, CBG, CBN, THCV, and terpenes.


Q&A with Rare Cannabinoid Company:


What are cannabinoids? They are a class of compounds found in cannabis and hemp plants. CBD (cannabidiol) and THC (tetrahydrocannabinol) are the most well-known cannabinoids, but there are many more that offer unique benefits.


How many cannabinoids are there? More than 100! At least 113 distinct cannabinoids have been identified in cannabis and hemp.


How do cannabinoids work? They interact with the body’s endocannabinoid system, which regulates mood, sleep, appetite, inflammation, and other functions.


What do cannabinoids do? They vary depending on the cannabinoid. For example, THCV increases energy and decreases appetite, which has led to it being associated with weight loss. Meanwhile, CBN is believed to promote relaxation and deep sleep.


What are the different types of cannabinoids? Only a small fraction are currently able to be extracted and used in commercial products. These include: CBD, THC, CBC (cannabichromene), CBDA (cannabidiolic acid), CBDV (cannabidivarin), CBGA (cannabigerolic acid), CBG (cannabigerol), CBN (cannabinol), and THCV (tetrahydrocannabivarin). We expect this number to grow as advances in breeding and extraction continue to improve. On our website, Rare Cannabinoid Company, you will find links to news articles and dozens of scientific studies on each rare cannabinoid and its effects and benefits.


Will cannabinoids get you high? Some cannabinoids, like THC, will cause psychoactive effects (a.k.a. a “high”). However, many others like CBD do not have this effect. For example, THCV is believed to improve concentration and focus.


Are cannabinoids legal? In the United States, the 2018 Farm Bill legalized hemp-derived cannabinoids that contain less than 0.3% THC. This means that products like CBD oil, CBG oil, and CBN oil are widely available and completely legal in most states. However, synthetic cannabinoids like Delta-8-THC are banned in many states.


What are synthetic cannabinoids? There are different types of synthetic cannabinoids. Some are man-made chemicals that mimic the effects of natural cannabinoids. These are often sold as “spice,” “legal highs” or “herbal incense” and can be very dangerous. Others, such as Delta-8-THC are converted from CBD into THC. Delta-8-THC does occur naturally in hemp and cannabis, however, it is found in such small quantities that almost all of the Delta-8-THC for sale is completely synthetic. 


Are cannabinoids healthy? There is a growing body of evidence that suggests cannabinoids offer a wide range of health benefits. For example, CBD has been shown to improve stress resilience and reduce temporary inflammation and one CBD product has been approved as an anti-seizure medicine. Meanwhile, CBDV is being studied in children and adults with autism spectrum disorder and THCV has been found in animal studies to reduce hunger and offer benefits for obesity and type 2 diabetes. CBG oil is also being used in many animal studies on various diseases. However, synthetic cannabinoids, like Delta-8-THC, can be dangerous, especially if they are made in unregulated facilities and do not offer proper third-party lab test results.


What are the side effects of cannabinoids? This depends largely on which cannabinoid you take. For example, THC is psychoactive and increases hunger. Conversely, THCV can improve focus and energy while suppressing hunger. For someone who is overweight, THCV may be helpful, however, for someone who struggles with an eating disorder, appetite suppression would be a negative side effect of THCV.


How do I take cannabinoids? The most popular way to take cannabinoids is by mouth in the form of oil tinctures or gummies. We offer pure extracts, blends with full spectrum Hawaiian CBD oil, and gummies. We recommend mixing and matching cannabinoids depending on your wellness needs or even the time for day. It’s also good to combine cannabinoids for the entourage effect. We believe that oils and gummies are among the most healthy and safe ways to take cannabinoids, but there are many other ways to take them including smoking, and vaporizing.


What are the primary health and wellness benefits of each cannabinoid?


  • CBN effects: The main CBN benefits are relaxation and deep, restful sleep, hence it being known as the “sleepy cannabinoid.” CBN gummies and oils are frequently used alone or with CBD to help people quiet their minds and fall into a dreamy sleep. CBN oil is also being studied for pain and inflammation. 


  • THCV effects: THCV has been referred to as “skinny pot” or “diet weed.” The primary THCV benefits are increased energy and decreased appetite. THCV weight loss has been studied in rodents and THCV oil has also been found helpful for addiction to nicotine and potentially other substances in animal studies.


  • CBDV effects: Potential CBDV benefits include increased sociability, reduced irritability, and memory benefits. CBDV is being studied for seizures and autism spectrum disorder. As the first and only company to offer a pure CBDV oil, it has proved very popular. 



  • CBG effects: CBG is known as the “mother cannabinoid” because it is the precursor to THC, CBD, and other cannabinoids. CBG has shown great promise in reducing inflammation and pain. It is also being studied for possible future potential in treating many diseases.





  • THC effects: THC is the main psychoactive component of cannabis. THC benefits include increased appetite, and relief from temporary pain and nausea. However, it can also cause anxiety and paranoia in some people.


  • Delta-8-THC vs. Delta-9-THC: Both forms of THC are very similar. Delta-9-THC occurs in abundance in cannabis plants, while most Delta-8-THC is a synthetic cannabinoid converted from CBD into Delta-8-THC. Delta-8-THC is said to be about half to two-thirds as strong as Delta-9-THC. It may also increase hunger even more than Delta-9-THC and can be dangerous due to the way it is made.


What plants produce cannabinoids? While the majority come from hemp and cannabis, cannabinoids may also be found in other plans such as rhododendron, licorice, liverwort, and echinacea.


Does hemp seed oil contain cannabinoids? No, hemp seed oil does not contain cannabinoids. Hemp seed oil is extracted from the seeds of the hemp plant and contains most of the same nutrients as other oils like flaxseed oil and fish oil. However, it does not contain any cannabinoids like CBD, THC, CBG, or CBN.


What does total cannabinoids mean? If you see this written on product packaging, it refers to the total milligram weight of all of the cannabinoids in the product – CBD, CBG, CBN etc. added together. It’s important to know the amount of each cannabinoid you’re taking. For example if a product calls itself “THCV gummies” but the THCV content per gummy is 1mg and the total cannabinoid content is 24mg, it may essentially be a CBD gummy with a tiny bit of THCV in it. Please note that our THCV gummies contain 25mg THCV in each gummy! However, if you’re looking at a hemp-derived Delta-9-THC product, it will have to contain a large amount of CBD and other cannabinoids to be legal and remain under 0.3% THC by weight. It would also be dangerous for a product to contain too much THC because it is psychoactive.

rare cannabinoids

Is there anything else you’d like to add to our Q&A on what is cannabinoids? That covers all the basics on these amazing compounds. As you can see from the last question, each cannabinoid is unique and there is a lot to learn about them. For anyone seeking more in-depth information, please take a look at our own Q&A, numerous blog posts, and links to scientific studies on our website. We also have a directory of independent cannabinoid advisors who see patients in-office and by phone and video appointments. These doctors, nurses, and clinicians can answer questions about which cannabinoids are best for particular situations and ailments. For product advice on oils and gummies, we welcome questions emailed to us at Thank you for this opportunity to share our knowledge and interest in cannabinoids.

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The Secret to NFL Great Aaron Rodgers’ Success? Tripping Balls on Psychedelics Made Him a Two-Time MVP




aaron rodgers psychedelics

NFL Star Aaron Rodgers Used Ayahuasca Before Dual MVP Seasons

Sports stars are our icons, heroes, and role models. We look to them because we feel they can do the impossible. So, when the star quarterback of Green Bay Packers Aaron Rodgers credits ayahuasca for winning back-to-back MVP awards, you can be sure we listened. You may be wondering how true this is or if this is just clickbait, not to worry a full scope will convince you.

The month of August opened up a new chapter for the popularity of psychedelics as Rodgers made the revelation public this week. The star quarterback shared how he traveled to South America to take ayahuasca and how this related to his success as the MVP of the league for two seasons. Rodgers credits the psychedelic concoction with helping him to change his mindset as well as improving his mental health. He shared all of this during an expository interview on the Aubrey Marcus Podcast.

The successive wins as MVP gave Rodgers his third and fourth award in 2020 and 2021. In his words, Rodgers stated that the knew after the ayahuasca experience that he will not be the same again. He believes the psychedelic drug was instrumental in him finding self-love and mental wellness. He was quoted by USA Today stating that the drug gave him a deep and meaningful appreciation of life.

When asked to comment on the experience, Rodgers explained that he went into the experience with a particular intention. This was to feel what pure love feels like and that was what he gained on his first night. He expressed the feeling as a magical sensation backed with a special unique sensation. He likened this sensation to having over a hundred different hands on his body imparting essence into it. He further explained that this essence felt like an impartation of a blessing of love, forgiveness, and gratitude for him.

For those that do not know, we will give a brief overview of what this psychedelic brew is. Ayahuasca is a special psychedelic brew native to the South American Amazon basin. The brew consists of different leaves and vines and is used for social and shamanic ceremonies. The potent psychedelic drug present in the brew is dimethyltryptamine (DMT). DMT is known to have a strong effect on causing vivid hallucinations and intense sensations. The popularity of ayahuasca is just gaining traction as a psychedelic brew compared to popular psychedelics like psilocybin also known as magic mushrooms.

A recent study was carried out by Dr. Robin Carhart-Harris from the Centre Psychedelic Research at Imperial College London. The study published in 2019 examined the psychedelic effect of the brew. The result of the study showed an effect on the brainwaves caused by the brew. Researchers believed that the brew stimulated the brainwaves to give a sense of dreaming while awake. Much of this effect is tagged to the effect of DMT which remains a very intriguing psychedelic. Carhart-Harris described the experience of DMT as a near-death experience or dreaming while awake. A high dose of DMT is also known to produce intense visual vividness and depth of immersion. Reports also have these effects to be higher than those recorded with psilocybin which is a more popular psychedelic.

Rodgers shared all as he explained deeply the effect the experience with ayahuasca had on him and his career. In his own words, the experience set him back on course and allowed him to focus on his job and gain perspective. This ultimately translated into how he approached things before him. He became freer to be the best he can be at work, at home, as a lover, as a friend, and as a teammate. This is why he attributes much of his success in 2020 to the effect of the encounter he had with ayahuasca.

When asked if the perceived relationship might be a result of a coincidence, Rodgers stated that he doesn’t believe that it is. He stated that he chooses not to ascribe things to coincidences. Instead, he chose to describe the feeling as the universe’s way of bringing things to happen as they are supposed to happen. Rodgers explains that the signs are always there around us waiting to see if we are conscious enough to notice them and listen to them. He explained that it is more like the intuition is peaking to use and hammering it that this is what you are meant to be doing.

Rodgers explained that he was comfortable going to experience ayahuasca thanks to his previous experience with psychedelic drugs. He had also stated personally to the interviewer that one of the best days of his life came after an experience with psychedelic mushrooms. He stated that the experience occurred while on a beach and he felt himself merge with the ocean that day.

Rodgers believes that too much emphasis is being placed on some of the possible side effects of ayahuasca. Examples of some of these common side effects include nausea, vomiting, diarrhea, and hallucinations. Instead, he believes attention should also be placed on the deep effects of promoting self-love and healing. Rodgers explains that this self-love prompted by ayahuasca was key to his mental health journey. He explains that ayahuasca helped him see how to love himself unconditionally and this is the first step to helping him love others around him unconditionally as well.  

From the testimony of NFL star Aaron Rodgers, we can tell that there is something special in ayahuasca that needs attention. There is limited scientific knowledge about the psychedelic brew presently but all that is bound to change with such testimonies. Till then we can only remain happy for Aaron Rodgers and be grateful that he had the experience he had with ayahuasca. Hopefully, this same effect will be translated to some other sports stars as they aim for greatness.








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