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.
GAP Auto Insurance Coverage
Reader’s Question:
For some misfortune event, I was involved in a car accident last week. It was my first ever car accident in my entire life. What’s even worse is that it was a hit and run. It was totally not my fault. I have comprehensive coverage on that vehicle. However, I don’t have collision. Will my GAP coverage be able to pay for the damage on my vehicle? I am from Sioux Falls, South Dakota.
Val
Sioux Falls, SD
This is really a very unfortunate event in your life and I’m really sorry to hear what had happened to you.
I am assuming that the reason why you’re asking that is because your primary auto insurance did not cover for the damages incurred on your vehicle. If that is the case with you, then you GAP insurance would not be able to pay for the damages also.
For a GAP auto insurance to cover you, your primary auto insurance company should pay for the actual cash value (ACV) of your car first. However, since you’ve already mentioned you don’t have collision coverage then, it’s only expected that you insurer would not pay for your claims. Because, this kind of accident falls under the collision coverage.
For more information about auto insurance claims, feel free to ask your auto insurance agent in Sioux Falls, South Dakota.
Compare Senior Auto Insurance Rates
Reader’s Question:
Is it true that getting auto insurance for a 55-year-old person is more expensive as compared if you are only around 35 years old? I heard this from a friend. What does age has to do with auto insurance rate? Can you explain this? I am from Manchester, New Hampshire.
Dave
Manchester, NH
Every auto insurance company differs from each other. They have their own guidelines in setting auto insurance rate for a particular person.
Some car insurance companies do consider a person who is 55 years old as a safe age. Meaning a person from that age group still poses a lower risk to be insured. Thus, it is still inexpensive to insure a person from that age range. However, some auto insurance companies believe that a person who is 55 years old or above poses higher risk. That is because some auto insurance companies believe that a person’s ability to drive safely decreases as a person ages.
I would suggest asking your auto insurance agent about how age affects a person’s auto insurance rate in Manchester, New Hampshire. Also, bear in mind that auto insurance rate is not based in age alone. There are a lot of factors that insurers consider and one of them is driving record. I would suggest keeping a clean driving record at all times is one sure way of saving on your car insurance premium.
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.
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.
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.
Are You Driving Without Auto Insurance ?
Reader’s Question:
If I received a ticket for running on a stop sign in California what would be my penalty? Also, if let’s say I’m cited for that violation plus I’m caught driving without auto insurance is it going to be double penalties? What penalties are involved?
Bethany
Apple Valley, CA
In the state of California, is it mandatory that you meet the required financial responsible law on the vehicles you operate or drive. One of the common ways in which California residents meet such requirement is through purchasing auto insurance.
If you are stopped by a law enforcement officer for failing to stop in a stop sign and you were asked to show proof of financial responsibility but you failed to do that would mean paying fines which can go up to $500. Also, other penalties are to be imposed like you car being impounded and your driver’s license suspended. If your vehicle is impounded, then you need to pay additional charges for tow and storage fees.
If let’s say you are involved in a more serious traffic violation like driving without auto insurance and got involved in a vehicular accident, you will be asked to comply with the financial responsibility law through to name a few like SR22, SR22, and SR16 depending on what applies to your situation. Not to mention having to pay for the damages incurred from the accident right from your own pockets.
If you don’t have auto insurance, then today is the right time to get one. You can use the websites to find affordable car insurance rates in Apple Valley or even ask your auto insurance agent.
Car Insurance Points In Arizona – Does It Affect My Car Insurance?
Reader’s Question:
How will I find out how many insurance points I have? I live in Glendale, Arizona.
Molly
Glendale, AZ
You should be able to know how many insurance points you already have by speaking with your auto insurance agent in Glendale, Arizona regarding this issue.
In most states the insurance regulator permits the insurance provider to determine the surcharges and/or car insurance points depending upon the insurance carrier’s own rating system.
In most states, such as Massachusetts, the state determines the insurance surcharge points but your insurance broker or agent should still be able to inform you how many insurance points you already have.
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