Good Driver Insurance
Reader Question: I am looking for better auto insurance for my new car than my previous insurance coverage. I had Sta@@ Far@ insurance for years, but they seem to slowly but surely raise their rates over the years. I got a new car and they have once again raised my rate, so I am ready to shop around.
Stanley,
Boston MA
Stanley,
Good for you! Checking your auto insurance rates every 3 years is a great idea. This is a pretty common tactic for many agents, they slowly raise your premiums but the increase is so low that they know you will just put up with it. But over the years, so incremental increases really add up to a lot. Checking around will almost always result in lower rates….at least until year 3 until the new company starts to jack up your rate ever so slowly.
The zip code form above is for Comparison Market, they are a leader in comparison insurance shopping. They will compare 12 companies for you….instantly, and for free…and there is no obligation to do anything. Once you see the results, which you will online, you can select each carrier and learn more about their offer and the coverage they are offering you and of course the price.
Honestly, this is the fastest and easiest way to shop around for car insurance. Try it now…and post your comments after you get the rate quote. We want your feedback!
Very Cheap Auto Insurance Coverage
Reader’s Question:
I heard from my friend that here in Arizona no matter what type of auto insurance coverage I have, if my windshield is broken, it would be replaced by my insurer. The reason is because auto insurance companies are required to do that. Is this true?
Tiffany
North Pinal, AZ
The state of Arizona has a financial responsibility law. This is created to make sure that in an event of a vehicular accident, the person/s involved has/have sufficient money to pay for the damage/s. The required auto insurance coverages are bodily injury coverage and property damage coverage.
Going back to your question, damage on the windshield would fall under full class coverage or comprehensive coverage. Both auto insurance policies are optional in the state of Arizona. Hence, with this, auto insurance companies are NOT required to cover for windshield damage, regardless whether you have those coverages or not. Auto insurance company can only pay for those damages if a policyholder has full class coverage or comprehensive coverage.
For more information about auto insurance coverage, ask your auto insurance agent in Arizona. If you are looking for auto insurance quotes, feel free to use the websites.
Budget Car Insurance For Good Drivers
Reader’s Question:
I’m planning on purchasing a new car here in Oklahoma, but am a bit tight on the budget. Do I really need to get auto insurance or can I choose to just get insurance some other time?
Marge
Norman, OK
All car owners in Oklahoma are legally required to also purchase auto insurance when they buy new cars. Proof of auto insurance is, in fact, the very first thing they will look for when you register your newly purchased car with DMV.
The state’s mandatory auto insurance policy ensures that damages arising from vehicular accidents are adequately covered. Such damages may only be minimal in some instances but in most cases, the costs arising from vehicular accidents are quite heavy.
Your personal liability for damages arising from accidents attaches when it is determined that your negligence caused the accident. In the absence of adequate insurance coverage, you may find yourself emptying your bank account especially when the damage is extensive. If you do not have sufficient funds to cover the damage, you may find yourself in an even tighter situation wherein the other person may file damages against you in court, thereby leading to additional litigation costs on top of the actual damage incurred. If you’re worried about insurance costs, though, there are several affordable insurance options that you can look into that may fit your tight budget. Most insurance companies offer comparisons and quotes for auto insurance via the web and you can even buy budget car insurance online.
Good Driver Car Insurance Coverage
Reader’s Question:
My friend is asking me to loan my car to her because her car is in the repair shop. What I would like to know is if she’s involved in a car accident, whose auto insurance coverage would pay for the damage? Would it be mine or hers? We are both from St. Paul, Minnesota.
Tatiana
St. Paul, MN
With your question, I am assuming that your friend has her own auto insurance policy. If that is the case, in an event that she is involved in a car accident using your own vehicle it her own car insurance policy that would cover for her injuries. However, the case is different though if she doesn’t have car insurance policy. If that is the scenario then, according to the Minnesota Department of Commerce the “basic economic loss benefits” will be covered by your car insurance company.
As to the damage incurred on the vehicle, it will be paid by your own auto insurance company. This is depending though if you have collision and comprehensive policies. For other cases, it might also be covered by the car insurance policy of the other vehicle.
For more information, do check the information on your auto insurance policy. Also you could ask your car insurance agent in St. Paul, Minnesota.
Auto Insurance Non Renewal – Why? I Am A Good Driver
Reader’s Question:
I have auto insurance with my insurer for five years now. I am a good payer since I always pay my car insurance bill on time. However, when I was about to renew my auto insurance policy with them, they declined it. The reason they gave me is because I had three minor accidents wherein it was entirely my fault. Can my auto insurance company in Sandy Springs, Georgia not renew my policy just because of that? Is it legally right to decline a renewal because of the claims made by the policyholder? It is my understanding that the reason why I have auto insurance is to have something to back me up in an event of a car accident.
Brad
Sandy Springs, GA
I’m sorry to heat that Brad. However, according to the Georgia Office of Insurance and Safety Fire Commissioner, a car insurance company may choose not to renew a person’s policy if said person had more than one instance of at fault accident for a period of three years. Also, if a policyholder’s total of claims made amounts to $750 or even more.
Since your car insurance company in Sandy Springs, Georgia decided not to renew your policy, then it’s the best time for you to get another auto insurance company. You can ask the help of your auto insurance agent or even check the available websites. Also, to avoid this from happening again, please do practice safe driving. No matter how minor an accident is, it’s still an accident and would affect your driving history and the chance of renewing or getting a car insurance policy.
Auto Insurance Protest – Will lt Help?
Reader’s Question:
I heard from a friend that she is going to file for a protest regarding her auto insurance. If I am not mistaken it’s about her auto insurance premium. I am curious, can anyone just file for a protest? Or there are reasons that are needed to be justified first? What is auto insurance protest by the way? I am from Southwest Colorado if that would help in any way.
Carrie
Southwest Arapahoe, CO
Let me first define what a car insurance protest is. According to the Colorado Department of Regulatory Agencies (DORA), if there is a modification made on a person’s auto insurance policy, that person or policyholder could make a formal objection and that is known as protest.
However, such protest is only applicable to personal automobile policies only. So that answers your first question. In addition, there are certain reasons why policyholders usually make a protest. And these are the following reasons:
- Change on the auto insurance premium, usually an increase;
- Auto insurance company’s decision not to renew a policyholder’s coverage;
- Policy’s cancellation; and
- Reduction on the auto insurance coverage.
For more information about auto insurance protest, you can contact the Colorado Department of Regulatory Agencies (DORA).
Very Cheap Auto Insurance For Safe Drivers
Reader’s Question:
I have car insurance right now. I would say it’s not that expensive and it’s still affordable. I just wanna know what should I do to keep it that way? I mean, how could I keep my car insurance rate in Connecticut to be at affordable price?
Izabella
West Haven, CT
Hello Izabella!
I heard from my brother who is a car insurance agent himself that in order to keep the auto insurance premium down, follow these simple tips:
1. Always drive safely. As you see traffic violations and accidents are eye sore to auto insurance companies and they always cause an increase to car insurance rates.
2. If you can have enough money to pay the amount of deductible in an event of a loss, then increase your deductible.
3. If you are driving an old car, you might want to consider removing collision and comprehensive coverage on your car insurance.
4. If you are thinking on buying a new car, I would suggest go away from expensive cars because they would increase your car insurance rate.
5. If you are a teen or has a teen daughter or son under your auto insurance policy, demand for good grades.
6. If your age is over 62, consider getting a defensive driving class which will qualify you for a discount.
7. Always shop around. You’ll get difference car insurance quotes from different auto insurance companies.
Don’t forget to ask your auto insurance agent in West Haven, Connecticut for discount that your insurer is offering. Also ask the Connecticut Insurance Department for other questions you have regarding car insurance rates in your area.
Buy Cheap Good Driver Car Insurance in Arizona
Reader’s Question:
I am just curious. I am about to get auto insurance. I heard from a friend who just purchased his car insurance that auto insurance companies take a look at a person’s credit history with or without a person’s permission. Is that true? Is that being practiced here where I live? By the way, I am from Chandler, Arizona.
Abigail
Chandler, AZ
I’ve read something about your question. And yes, your friend is definitely correct.
According to the federal Fair Credit reporting ACT (FCRA), with or without a person’s permission, insurers are allowed to dig into a person’s credit information. However, insurers (in your case car insurance companies) must inform a person that they are going to collect credit information. Also, they must notify you that you have the right to access said information and have inaccurate information (if any) to be corrected.
I hope I was able to help you with this. Bear in mind that credit history is one the factors that affect car insurance premium. The better your credit history is the higher the chance of getting lower insurance rate. If you are shopping for car insurance rates in Chandler, Arizona you can seek the help of a car insurance agent or use the websites.
Are You Canceling Your Auto Insurance Policy?
Reader’s Question:
I’m thinking of switching auto insurance company in Maryland. My car insurance premium right now is so expensive that I don’t think I can afford to pay it. How do I do this? Do I just not pay it? I really need to cancel it as soon as possible.
Akira
Ellicott City, MD
In general, if a policyholder wants to cancel his or her auto insurance all he/she needs to do is to inform the auto insurance company though writing. Included in the letter would be the date on when the policyholder wishes to cancel car insurance policy.
In addition, from what I knew, they are also cases that your new car insurance agent must inform the previous agent about the change. Also, depending on the insurer company’s guidelines, some also ask for the copy of the printed policy to be sent back to them.
Usually, if you decide to cancel a car insurance policy, the insurer will be sending you a form of cancellation request. This cancellation request form needs to be signed by you (if you are the policyholder) and have it returned to the car insurance company.
If you wish to cancel your car insurance policy in Maryland do it in writing. If you chose not to pay your auto insurance policy then it would be cancelled due to non-payment. And by this, it will surely affect your credit history and the next time you purchase auto insurance, you might be charged with higher car insurance premium.
Affordable Auto Insurance Coverage
Reader’s Question:
I heard from my cousin who is an auto insurance agent by profession that there are different types of auto insurance coverage in Lakewood, Washington. Can someone tell me the different types of auto insurance coverage?
Bill
Lakewood, WA
There are certain types of auto insurance coverage that are mandatory in the state of Washington and there are those that are only optional. Let me just give you the more popular types of auto insurance policies:
Liability: This kind of auto insurance coverage is required by Washington state law. This covers property damage and bodily injury to the other party involved in an event that you are involved in a car accident;
Personal Injury Protection (PIP): This offers a limited coverage to medical bills, expenses from funeral, and lost of income.
Uninsured/underinsured Motorist Bodily Injury: Offers coverage for physical injury if you are involved in an accident with an uninsured driver;
Uninsured/underinsured Motorist Property Damage: Offers coverage for damages to your car if you are involved in an accident with an uninsured driver
Medical Payments: Offers coverage for medical bills and funeral expenses to the insured person;
Collision: This covers your car for damages in an event that collision with another car happened;
Comprehensive: Offers coverage to damage to your vehicle for non-related collision incidents like fire, robbery, vandalism etc.
If you have more questions about auto insurance coverage in Lakewood, Washington you can always opt to ask your car insurance agent or the Washington State Office of the Insurance Commissioner.
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