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.
Cheap Vehicle Insurance Rates In Houston Texas
Reader’s Question:
I was surprised when I renewed my car insurance. I was charged a higher rate because I moved to Houston, Texas. I use to live in a suburban district also in Texas. Does living in a city really warrant an increase on my car insurance rate?
Deidre
Houston, TX
Always remember, Deidre, that automotive insurance companies compute premiums based on risk factors. The combination of these different risk factors will determine the eventual amount of premium you will have to pay. Most insurance companies take into consideration the following factors that may affect your car insurance premiums: Geography, age, marital status, gender, driving record, vehicle, credit rating, occupation, and insurance claims.
Since you mentioned you transferred to Houston, Texas and got an increase in your premiums, this means that your car insurance company took into consideration your Geography as a risk factor. What makes Houston at a higher risk is because it is the 4th largest city in the U.S. It would mean that more vehicles will be on the move at any given time, giving a higher probability of a car accident to occur. And the insurers don’t like higher probabilities of accidents because that will mean more automobile insurance claims. We’re not just talking about higher incidence of road accidents, but also higher incidence of car theft and vandalism. For sure, area with a high crime rate qualifies automatically for a higher car insurance premium. However, Deidre, you can reduce your premiums too on account of a good driving record. If you can establish that you are not a road risk, your car insurance company will recognize this and will give you discounts on your premiums or they will give you higher deductibles for your comprehensive car insurance coverage.
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).
Good Driver Insurance Quote For Teenager
Reader’s Question:
I am a working mom with two daughters. I would be adding my teen daughter under my car insurance policy soon. I am afraid that I will be charged of higher auto insurance rate. That’s why I’m doing everything that I can to check on the things that would help me save on my car insurance premium in West Adams, Colorado. I am just wondering why is it expensive to insure teens?
Trinity
West Adams, CO
I totally understand your situation. I am a mom too and adding my teen son under my car insurance policy is a nightmare. As you see Trinity, it is a fact that higher number of deaths for teens are mainly because of vehicular accidents. And that’s one of the main reasons why it expensive to insure teens nowadays.
To be exact, according to the American Academy of Pediatrics, vehicular accident is the cause of death for one-third of people with ages ranging from 16 – 20. That’s a very high number I would say.
There’s still hope that you could save on your auto insurance rate in West Adams, Colorado. You could ask your car insurance agent for one. And I would also suggest checking on the websites is a very effective way of getting competitive car insurance rates from different insurers.
Cheap Young Driver Insurance
Reader’s Question:
Is it true that insurance providers offer car insurance discounts for teenager who take a Driver Education course?
Blanche
Los Angeles CA
Insurance providers do give a car insurance discount for young drivers that have taken a driver education class. These insurance providers believe that it is important for new young drivers to take a driver education class if offered by the insurance provider since it is helpful as they learn to drive automobile for the first time.
In some states it is required for the young drivers to take a driver’s education class and that is why no car insurance discount is given to some. Defensive driving class or driver education course are also used by most states in lieu of driving points after receiving an individual receives a traffic offense violation.
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.
Cheap Military Auto Insurance
Reader’s Question:
I have a boyfriend who serves the U.S. armed forces. If he is assigned in another country let’s say in Afghanistan (but I’m hoping he won’t) what should we do with his auto insurance coverage? Do we need to keep on paying for that even if he’s not in the United States? Oh I forgot to tell you, I have my own car too. And there’s no way that I would be using his car if ever he is stationed outside the country. We both live in Kendall-Perrine, Florida.
Josephine
Kendall-Perrine, FL
I’m hoping that your boyfriend would never be assigned to go to Afghanistan.
Going back to your question, according to the Florida Department of Financial Services (DFS), a person serving the U.S. armed forces who is required to serve outside the United States is not required to carry Personal Injury Protection (PIP) and Property Damage Liability (PDL). This is given that there is no one who is going to use that person’s vehicle.
To be exempted from carrying these policies, you need to write your auto insurance agent or company and request for the exemption and also inform the Florida Department of
Highway Safety and Motor Vehicles (DHSMV).
For additional information, ask you car insurance agent and also the Florida DHSMV.
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.
When Can My Auto Insurance Company Cancel My Policy?
Reader’s Question:
My girlfriend just purchased auto insurance for her new car. I don’t have a car and obviously neither do I have car insurance. We are just wondering on how car insurance stuff works here in West Allis, Wisconsin. Can her car insurance company just cancel her policy anytime they want? Or is there such thing as grace period before auto insurance policy can be cancelled by the insurance company itself?
Orion
West Allis, WI
Hello there Orion!
I’ve checked with Wisconsin Office of the Commissioner of Insurance (OCI) about your question and I learned that car insurance companies can cancel their policyholder’s auto insurance policy provided that said coverage has been in effect within the 60 days. If an insurer chose to cancel the policy within the mentioned period then they are not required to give out explanation about the cancellation. Other reasons wherein a policy can be cancelled is when a policyholder failed to make a payment for the premium on the due date, fraudulent activities done by the policyholder himself/herself when availing of the policy or when making the claim, or major changes on the characteristics of the insurer.
However, for a car insurance policy to be cancelled, insurer is required to notify through writing the policyholder not less than 10 days before the effective date of cancellation or else said cancellation will not be processed.
If you have any questions about car insurance termination you can ask your car insurance agent in West Allis, Wisconsin or even the Wisconsin OCI.
Should I Trust My Car Insurance Agent?
Reader’s Question:
I had an accident two weeks ago in Sacramento, California where I live, but I found out that my insurance will only cover the hospital bill of the driver I got into an accident with. My insurance said that my coverage will only be limited to personal injuries and not property damages. Was I swindled by my insurance agent?
Joseph,
Sacramento, CA
Well, Joseph, it seems you are a classic insurance buyer where you sign first and then ask questions later, when you’ve already gotten into an accident. Thinking you have an insurance coverage but not really understanding what and how much your insurance will cover is just the same as wearing a body armor made of cardboard in the interior. You’re giving yourself a false sense of security this way, if I may add. Joseph, I think what happened is, you bought what is called the Personal Injury Protection auto insurance or better known as PIP. The PIP is mandatory in 46 states and their cities including Sacramento, California, so, we might call them your basic insurance. Well, at least your PIP covered injuries inflicted. When accidents really are that bad, injuries to persons are much expensive rather than those damages to properties. Imagine, you or the other driver were put into comatose or needing surgery and will be confined to around 3 months in a hospital, can you imagine the bill that would amount to? If you’re really on a tight budget, personal injury protection auto insurance wouldn’t be that bad. As we say, as long as I breathe there is hope, at least being alive or having the means to stay alive is more than anything we can ask for. Damages to property won’t really be that a big thing when you know you just cheated death. So, drive safely.
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