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.
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.
Young Driver Auto Insurance
Reader’s Question:
I’ve just recently relocated to Birmingham, Alabama. I have a teenage daughter who is just starting to learn how to drive. My question is—Should I buy insurance for her, or since she’s going to be using my car, will she be covered under my auto insurance policy? Thanks!
Sue
Birmingham, AL
Everyone I think aged 25 and above needs to have his or her auto insurance for the car he or she is driving. If you already have your own license and your own car, you must have the car insured. But, of course, since your daughter is just learning how to drive, I don’t think she’s already 25. Kids who are just learning how to drive cannot have their own auto insurance policy because you need a valid drivers’ license to get car insurance. If your daughter is just currently learning how to drive, I’m pretty she would be covered under either the high school’s insurance policy or the driving school’s policy. After she gets her drivers’ license, then that is the time to take an insurance policy for the car you’re giving her this Christmas!
Since she only has a learners’ permit now, and the car she’s going to drive is yours, she would covered under your policy. I think that most auto insurance policies are whole-family policies since they don’t expect that each family member has his or her own car to drive. Of course, there will be car-borrowing involved. If I were you, I’d call an insurance company/agent there in Birmingham, Alabama to ask the necessary questions. Choose wisely because things are different from one company to the next. Tell your daughter, Sue, that I said happy driving.
New Driver Car Insurance – Why Does It Cost So Much?
Reader’s Question:
I’m a new driver here in San Francisco, CA. I still don’t have a car but I’m planning to get one, hopefully soon. I’m totally clueless when it comes to auto insurance stuff. Can you give me some tips on this?
Paige
San Francisco, CA
Sure Paige! The very basic thing you should know is what does California law requires for auto insurance coverage.
California State Law requires every owner and driver to maintain financial responsibility for accidents and there are four ways to establish such responsibility:
1. coverage by auto insurance policy;
2. a deposit amounting to$35,000 to Department of Motor Vehicles (DMV);
3. a surety bond amounting to $35,000, which must be acquired from a duly licensed company in CA; and
4. self-insurance approved by DMV
Now, let’s consider the types of auto insurance policies. Being in Bay Area also means getting an expensive auto insurance. Usually, there are 3 types of policy offered – preferred, standard, and assigned. Each policy differs in price and coverage.
Standard policy is for drivers with less traffic violations and/or cancellation of past polices. This policy offer lower premiums as compared to other kinds of policy. Preferred policies on the other hand are for California residents who have good driving history, (and I mean “clean” driving record) for three years. Lastly, Assigned Risk polices offer the most expensive rates but at the same time the offers the least amount of coverage.
I would also suggest for you to check on auto insurance companies. You can compare quotes here easily and faster and get the best policy that you think meets your needs.
I Need Very Cheap Auto Insurance in New York
Reader’s Question:
Does New York state law allow married couples to have separate auto insurance policies?
Brooke
Yonkers, NY
It is your option to have separate auto insurance policies, but most of the time; it is cheaper to be on the same policy. A New York insurance company will ask questions of you being married or if there are other licensed operators in your household as a basis in calculating your premium rates.
If you and your spouse have separate auto insurance coverage, you may want to do a cost/benefit analysis of each plan to see if you should continue to keep your auto coverage separate. For example, if your spouse’s auto insurance policy has a higher deductible and/or co-payments or fewer benefits than those offered by your plan, he or she may want to join your auto insurance plan instead. You may also want to compare the rate for one family plan against the cost of two single plans.
It is also advisable for you to examine your auto insurance coverage too. If you and your spouse own separate cars, consider pooling your auto insurance policies with one company. Many car insurance companies will give you a discount if you insure more than one car with them. If one of you has a poor driving record, make sure that changing companies won’t mean paying a higher premium.
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