Hey there everyone, I just wanted to get some feedback from people who have gotten great rates on auto insurance and who have a good driving record like I do. Any recos?

Dan

Hey Dan,

I have gotten a rate of $588 annually for liability only auto insurance on my car. I am 50 and have a clean record. I got my policy with help from this site and The General. Amica also has great rates so I am told.

I just recently purchased auto insurance here in Arizona. As a new policyholder, I am just curious about auto insurance law here. Do you happen to know the reasons that could result to cancellation of my auto insurance in Arizona?

Rea

North Pinal, AZ

The Arizona Department of Insurance listed the following reasons on how auto insurance policy can be cancelled:

1. failure to pay the premium;

2. the auto insurance policy was purchased in a deceptive and misrepresentation way;

3. the person insured or any person who frequently uses the vehicle that is insured has:

a. his/her licensed suspended;

b. has been disabled permanently;

c. within the 36-month period before the effectivity date of the policy or within the policy period has been convicted of: crime that resulted to death, assault, or homicide that involves his/her ability to drive a vehicle; DWI and DUI; supplying untruthful information when applying for license; reckless driving; and leaving the scene of a vehicular accident.

4. the insurer’s certificate was cancelled or the insurer was placed into rehabilitation;

5. was determined by the Director of Insurance that maintaining the auto insurance would result to the policyholder’s violating the law.

Those reasons are only applicable if a car insurance policy has been in effect for more than 2 months or 60 days. For more information bout cancellation of auto insurance in North Pinal, Arizona, you may contact the Arizona Department of Insurance.

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.

What do I have to do to be able to get good student discount on my car insurance in Bakersfield, CA?

Carmen

Bakersfield, CA

Many insurance providers in Bakersfield, CA recognize and reward good students with a discount. This auto insurance discount is usually offered to single drivers under 25 years of age. This good student discount applies to Bodily Injury and Property Damage Liability, comprehensive and collision coverages and medical payments, providing that each such young driver meets certain requirements. You may be eligible for a discount if:

• you are a full-time students in high school or
• you are enrolled as full-time students in academic courses in a university or college
• you graduated from a 4 year university and presently have a good student discount applied to your current car insurance policy and the student had a grade average of “B” or its equivalent

If I get a ticket in Las Vegas, Nevada for running on a red light and having no car insurance, will I have to get SR22?

Molly

Las Vegas, NV

In the State of Nevada, being convicted of disobeying a traffic signal or stop sign in Las Vegas is worth 4 demerit points on your driver’s license. Driving without car insurance does not give you demerit points but does come with grave penalties.

Las Vegas, Nevada mandates that all registered automobiles must have minimum liability insurance coverage of 15/30/10. Should the car insurance coverage lapse while registration is still current, the Nevada Department of Motor Vehicles may suspend the vehicle registration and charge a $250 reinstatement fee.

If you have your license suspended because of your recent violations, or total demerit points on your driving record, you may be required to file a SR-22 with the DMV to recover your driving privileges. When you are required to file an SR22, Proof of Financial Responsibility, the period of required coverage begins when you reinstate your driver’s license. In the State of Nevada there is no time limit or statute of limitation on SR-22 insurance requirements. If you do not keep the coverage continuously during the required period, your license will be suspended. To find out what your total penalties will be for your tickets, contact the Court or entity listed on your traffic citation.

I live in Buffalo, NY and I will be moving to another state in three months, what will happen if I cancel my liability insurance?

Harold

Buffalo, NY

The car insurance company must notify the Department of Motor Vehicles (DMV) if you cancel your liability insurance. If your insurance coverage is reinstated or you get new insurance coverage, your car insurance company in Buffalo, NY is also required to notify DMV. If the car insurance company does not file an electronic notice about your new or reinstated liability insurance, the DMV will send you a letter about your insurance. Once you receive the letter, read the insert mailed with the letter, and follow the instructions in the letter. You are given 10 days from the date of the DMV letter to prove that you carry an insurance coverage, prove that you sold the vehicle, or show other proof that insurance coverage was not required in New York State. If you do have insurance coverage, also ask your car insurance company to file an electronic notice of insurance coverage with the DMV.

If you do not have liability insurance, you must surrender your vehicle plates to the New York State DMV immediately and make sure you get a receipt. You must respond to the letter you receive from the DMV or surrender your license plates to avoid the suspension of your registration and driver’s license. If your liability insurance is about to lapse and you do not plan to replace it with other car insurance, surrender your vehicle plates to the DMV before your insurance coverage lapses.

What is the difference between cancellation and non auto renewal of car insurance coverage in Columbia, MD?

Dustin

Columbia, MD

Cancellation takes place when the auto insurance that had been providing coverage decides not to sell insurance to you anymore, and the non auto renewal usually occurs when the policyholder neglects to pay the auto insurance company a premium. Generally cancellation makes it harder to obtain auto insurance than a non-renewal does.

Non-renewal means that the current insurance policy chose not to renew the insurance policy when it came time to being due again. Normally, this happens because the person covered on the policy makes too many claims during the time they were insured, such as driving under the influence, too many at-fault accidents, or too many tickets during the last three to five years. In case of of non-renewal, the insurance provider cancels the contract with the policyholder and, depending on the location; the driver of the vehicle would have to find comparative vehicle insurance. The insurer is required to send a notice of non renewal – usually thirty days – with the reason to drop your policy.

If you don’t pay your auto insurance premium on time, the car insurance provider has the option to cancel or cancel the policy. Your car insurance policy can also be terminated for misrepresenting information insurance providers find necessary about your risk level as a motorist or losing your driver’s license because to DWI or with an expired, revoked or suspended license. Some insurance providers may terminate your car insurance policy at any time, given that they give the amount of notice required by law, just because you are found to be a non desirable motorist.

My son is 30 years old. He let his car insurance lapse. His car insurance has been canceled for non-payment over the past years. So now he can’t seem to find an insurance carrier to insure his car in Savannah, Georgia. How can he get car insurance now?

Daniel

Savannah, GA

Due to your son having car insurance lapse previously, he is now considered a high risk driver. For drivers such as your son that are unable to find an insurance carrier in the voluntary market that will insure them, many states have high risk insurance companies that will cover these types of drivers.

High risk drivers in Savannah, Georgia typically have to go the GA Automobile Insurance Plan (GAAIP). It was created to give car insurance coverage to eligible high risk drivers who seek coverage and are unable to get such coverage through the voluntary market.

To find out who these insurance companies are in Savannah, Georgia and how your son can obtain auto insurance in GA through the GAAIP so that he can insure and use his car contact the GA Insurance Commissioner.

Is auto insurance required?

Yes. It is required for all drivers. Texas law requires that all drivers must have an insurance on their vehicles and at least carry the minimum liability coverage. This is often called the 20/40/15 and this coverage covers the minimum policy up to $20,000 per injured person$40,000 for all that is hurt in the accident$15,000 covers property damage

This type of auto insurance however does not cover you but the victims only due to accidents that you have caused.

If for example he medical bills and other property damage associated in the accidents exceeded the minimum amount on your liability coverage, you are responsible to pay the additional costs. You may be sued if you cant afford it. To avoid this however, you can purchase an additional coverage beyond what is required by law.

who needs auto insurance?

When you get involved in an accident, you will need to show proof of your insurance or coverage. The other driver involved in the accident will then take down all your information and will file a claim to your insurance company. The following are some scenarios in which you will need to show proof of your auto insurance in Texas.

- You are asked by a police officer. If you are asked to pull over for any reason by a police officer, the first question he will asked for is your driving license and your car insurance proofs. You will be issued a ticket if you failed to show any car insurance.

-when you need to register your car or have it renewed, it is mandatory that you show proof of insurance . If you do not have it, your car registration will expire and may be ticketed when get caught by a police officer.

- when obtaining or renewing your drivers license, you are also required by the law to show proof of insurance otherwise you cannot drive legally.

- you cannot get your car inspected if you do not show any proof of insurance. Your inspection sticker are visible in your windshield. if it expires and got caught , you will need to provide proof of insurance to a police officer.

Therefore, you just cant get around having no insurance eon your car in Texas and the law requires that all drivers must have it and they have developed different ways to constantly checked.

Goodluck!

-MariCAR