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!
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.
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.
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.
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.
I Am Looking For A Great Vehicle Insurance Company
Reader’s Question:
Greetings from Denver, CO! I would like to know if my auto insurance company would hold me responsible or liable if I were in an accident where I wasn’t the one at fault, but I was not wearing a seat belt.
Heather
Denver, CO.
Now, everyone should wear their seat belts when on the road, whether you be driver or a passenger. Think safety, people. So, you got hurt in an accident that was not your fault but were not wearing your seat belt? If you got in an accident and got hurt, the other driver may be completely liable for the damage to your car because of the circumstance of the accident, but the fact that you were careless also makes you partly responsible. The injuries you sustained were partly due to your own carelessness. You go ahead and file a claim with your auto insurance company and let them decide who pays what.
What happened to you is called ‘contributory negligence.’ It wasn’t entirely your fault but you did contribute to the damage by being negligent. The state of Colorado, I’m sure, has a law comparable to this. Check with the local office there in Denver, CO. The auto insurance company will definitely look into your situation and determine just what percentage of the settlement amount will be shouldered by you. This will depend on the assessment of the auto insurance’s claims adjuster. Be truthful now. Claims adjusters can be very resourceful.
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.
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.
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.
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