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

Is it legal if I live in Northeast Cobb, GA and title a vehicle in FL so it would be cheaper? How would this affect auto insurance as well? Would it matter if I am a good driver with a clean record?

Brandon

Northeast Cobb, GA

It is not advisable to try and avoid paying the taxes due in one state on a car or try to pay less in taxes by titling a vehicle in a different state. It is considered fraud in most states if you do it in purpose in order to avoid taxes that a state requires on a car.

As for the car insurance concern, normally you need to insure and register your car in the state which you live (in your case in Northeast Cobb, GA) and the car is garaged. If your vehicle was titled and registered in FL you would be required to have FL insurance on it. Most insurance providers in Florida would be curious as to why the vehicle is garaged in GA but titled in FL and may not offer car insurance coverage since vehicle is not residing in Florida.

Can you explain to me what a Good Drivers Plan is? I live in Alaska.

Ray

Anchorage, AK

The Good Driver Plan is a rating program offered by some insurance providers in Alaska and in most states. This Good Driver Plan reduces your insurance rate if you have had no traffic violations or accidents within a specified time period.

There is also a plan called Safe Driver Plan. This Safe Driver Plan has a rating system that assigns points for traffic infractions and certain accidents. Each point increases the surcharge percentage to the baseline insurance rates similar to a merit-rating plan. Therefore the Safe Driver Plan rewards motorists for being safe and without violation infractions or accidents while penalizing those with a poor driving record.

What kind of insurance discounts can I get from insurance providers in Kentucky if I am turning 50 next month. In addition to that I also have a good driving record for several years.

Martina

Lexington-Fayette, KY

Congratulations on having a clean driving record for many years.If you are lucky enough to be retired, some insurance companies will provide a discount to retirees receiving a certain type of pension. There are also some discounts provided to the mature driver however many insurance providers start this discount at age 55.

There are also other discounts that you may want to ask for when renewing your car insurance or starting a new one. Some insurers will give you a discounted rate for low-mileage vehicle use, two or more cars on one policy or having loss prevention devices installed in the car (car alarm, etc). Many insurance providers in Kentucky will give long-time policyholders with no claims and a good driving record or safe driver discount.

What exactly is the definition of motorist list only status? What is the difference between unrated and list driver?

James

Atlanta, GA

Each insurance providers has their own terms they use when they rate an individual for an insurance policy or how they list an individual on a policy. Each state has different requirements for household members and how they are listed, excluded, rated or excluded with surcharge on a policy.

Some states require that all residents be listed on a policy, but in some instances you may want to exclude coverage for a household member.

Since insurance companies have their own different definitions for drivers’ statuses, so you may consult with the insurance provider you know that is using this specific auto insurance terminology or read through the terms of their policy to see what their intended meaning is for “list only” and “unrated” motorists.

Which insurance companies offer a discount for security systems and what kind of security system does it have to be?

Liam

Austin, TX

Generally, most car insurance providers will allow for an anti-theft discount which would apply to Comprehensive coverage. The discount can vary from a 5% to 20% credit. Usually this is applied to cars with a passive disabling device which renders the fuel, ignition or starting system inoperative.

Many newer cars have this type of system already installed as standard equipment. The discount usually also extends to cars with LOJACK devices. In most cases, proof of installation like service order a receipt must be provided.

Will I save money on my auto insurance if I get married?

Hanna

Boston, MA

Yes, it may be possible to save money on your auto insurance premiums in if you get married. If both of you are good drivers meaning you both have good driving records, it could help lower your rates. Insurance providers generally find married couples safer than single individuals.

The Division of Insurance in Massachusetts for instance, lists a 5% discount can be applied to the premium paid for compulsory coverage and, if selected, optional coverages if a married couple own two or more motor vehicles insured by the same insurer. Usually, this is known as a multi-car discount.

Frank

So you are a good driver huh? One way to lower your car insurance rate would be to lower your annual mileage you put on your vehicle. This is commonly refered to as a “limited use vehicle” meaning you only drive this vehicle short distances on a limited time basis. Maybe you only go to and from your work…which happens to only be 5 miles away from your home.

Lowering your annual mileage will lower your premiums drastically. Often, auto insurance providers will base their rate quote on the driver driving 12,000 miles a year.

if you really are a safe driver like you say you are, I would work out how many mile’s you will actually drive each month contact your insurance company about a “good driver” insurance discount and the fact that you fit into the limited use vehicle category. If they really want your business they will fight for it.

Clair

Is it true that married couples will get a lower rate on their car insurance than non married people?

Yes, usually that statement is true. It is a good idea to put your spouse as a named safe driver on your car insurance policy. Many auto insurance providers offer discounts when a spouse is added as a named good driver as opposed to unmarried couples, as they tend to see marriage as a sign of stability.

In some cases you could be eligible for a big discount. Often the expected savings is around 15-25% on your annual insurance premiums by doing this. Hope that helps……now get married!

Justin