Automobile Insurance Specialist
Reader’s Question:
If got convicted of DUI and I would like to know if my insurance carrier in Palm Beach, FL will just cancel my car insurance policy or does it has to go through some sort of procedures? Do I need a specific auto insurance specialist?
Josh
Palm Beach, FL
Insurance carrier’s guidelines vary however a conviction for driving under the influence (DUI) could result for an insurance provider terminating your automobile insurance policy. Usually your insurance carrier may cancel your insurance mid-term or cancel the car insurance policy at the end of the term due to your conviction for DUI.
If your insurance policy is terminated in this manner in Palm Beach, FL, your insurance carrier must send you notification stating why your car insurance policy have been canceled and then you will have to find another insurance carrier while now having a cancellation on your auto insurance claims history. Most states do not allow insurance carriers to just drop you in the middle of the car insurance policy term, even for a DUI. If you want to get more information about your state guidelines with regards to this, verify with your state’s insurance regulatory body.
I Need an Auto Insurance Specialist
Reader’s Question:
Hi, I have a plan of buying a new car here in Manchester, New Hampshire and I wanna know what features in my new car will affect my insurance premiums. Is it true that if you buy a sports car or one which is likely to be stolen more would increase my premiums?
Carlo
Manchester, NH
Several things could actually affect the premiums you will be paying for your car insurance. Your car insurance premium would be slightly higher on that type of vehicle because insurance companies assign some amount of risk to the make and model of the car, but that would not be all. There are a lot of factors more important that the type of vehicle you are driving in determining the rate of the premium. These factors include the age and the gender of the driver, his/her driving history, density of vehicle in the area, overall market for insurance, etc.
Other factors that can affect your car insurance premium are how expensive it is to repair the vehicle and its safety equipment. Car insurance companies need to determine how much your car accessible to thieves is so the design of your car and the facilities are also important deciding factors for your car insurance premiums.
The ‘distance covered by cars’ is also an important factor towards deciding the premium rate because the more distance the car covers, more likely it is gonna get damaged by another car. As much importance as picking up the best car for you, you should also pick up the best car insurance. Get an online rate quote from a great insurance company in Manchester, New Hampshire available on this website and find out how much you could save on your car insurance.
Are You Looking For Cheap Car Insurance?
Reader’s Question:
How can I get cheap car insurance? I dont have a bunch of money and my car is not worth a bunch
Malen
Baltimore, MD
You can head right away to the insurance shop and save time-but you will be wasting a lot of money. Take time to know more about yourself and what it is in you that you could take advantage of to save on your car insurance rate.
You probably heard how high your neighbor paid for his teenage son’s insurance. Teens are statistically found to engage more in accidents so they are charged higher. The rates are even greater if they are male. The only time they can get lower rates is when they reach 25. If you are under this age, it is better to enroll in an advance driving course to save a few dollars. You can also avail discounts if you perform good in school. If you fall between 50 to 65 age brackets, you have the lowest rate in relation to your age. But don’t expect to have low rates if you are a 50-year old doctor.
Medical doctors get paid big time, but they also have heavy premiums-second highest, just a little under students. So if you are a farmer or firefighter, bring validations of your employment because your job has the lowest rate. Pilots, politicians, and homemakers have the least accident rates. Hence, they have the lowest rates in relation to their job. Soldiers, active or retired, are also rewarded for serving the country and they are expected to get at least 2 to 15% off their insurance rates.
You can get more savings if you pick the same company that insures your house or other properties. You may also insure your motorcycle in the same company.
While you have read that it is important to shop around to get the best quotes, it is even more important to continue shopping around. It does not mean that you have to settle once you have chosen your carrier. You must do a regular comparison of quotes, e.g. every 4-6 months. The dollars you save will surely be worth your time.
Auto Insurance Policy Lapse Minnesota MN
Reader’s Question:
In the state of Minnesota, what will happen if your auto insurance policy lapses?
Rick
Rochester, Minnesota
The Minnesota State Statues Section 65B.48 states that every owner of a vehicle registered or garaged in the state must maintain a guarantee of insurance against loss or damages resulting from the operation of the vehicle. This auto insurance must show liability over injury, property or vehicle damage. Therefore, if your vehicle does not have insurance for a specific period of time, this would mean that you are already violating a state law, and you may face sanctions because of this.
There is a No-Fault insurance law in MN that states that maintaining an uninsured vehicle within the premises of the state (whether being operated or just garaged) is considered a crime. Since this violation is considered a crime, the state may sanction a fine, imprisonment, suspension of driver’s license, or all three of this at the same time, to the accused.
In addition to this, Section 169.791 states that every driver should be able to produce a proof of auto insurance at the time that it is needed by the court or a law enforcer. Inability to show proof of auto insurance may lead to accusation of misdemeanor and if found guilty, payment of a fine, imprisonment, or driving license suspension may be given as penalty.
Tags: auto insurance, auto insurance lapse, car insurance law
Good Driver Auto Insurance
Reader’s Question:
I recently moved to Edison, New Jersey from a foreign country, and I had a good driving record in that country. I am just wondering why are my car insurance rates so high?
George
Edison, NJ
One of the biggest rating factors car insurance providers use to determine your car insurance rate premium is your driving record.
Other factors that are being considered might include where you live, your age and how many miles you drive every year.
Since you do not have a verifiable driving history in the U.S your car insurance premiums in Edison, New Jersey will be higher until you establish a verifiable driving history. Once you operate in the U.S. for a couple of years and establish a safe and good driving record, your car insurance rates should be lowered.
How Much Does Auto Insurance Really Cost ?
Reader’s Question:
I am shopping for a used car in Tulsa Oklahoma, and have learned from a co-worker that it is more costly to insure a red car than other colors, is this correct?
Melanie
Tulsa, OK
No Melanie, the color of the car is not generally one of the factors that are being considered by a car insurance company in Tulsa, OK to use as a rating factor. The type of car, such as sports, sedan, minivan, etc is taken into account though and can influence or affect your insurance rates. It is a common misconception that certain colored vehicles, such as red and silver, costs more to insure but that is not so.
The myth is out there that a silver or red car costs more to insure but in all actuality car insurance companies do not consider the color, but they do look at the type of car. If it is a red sports vehicle it will likely cost more than a green family vehicle to insure but because of the powerful engine and accidents statistics relating to sports cars compare to a 4-door family sedan, and not the color.
Some other factors that insurers consider includes your age, the kind of vehicle you drive, your claims history, in some states your credit history and your driving record.
I Need A Very Cheap Auto Insurance Company
Reader’s Question:
I want to know how soon after a car is ‘totaled’ do I have to wait to cancel the insurance policy in Roanoke, Virginia? Should I have to wait for all payments (auto value and medical) to be made before I cancel? And am I entitled to a refund for the unused portion of the policy period?
Carmen
Roanoke, VA
If your vehicle gets ‘totaled’ in a car accident, and it is the only car on the policy, you do not have to wait to cancel your policy. If you choose to cancel the policy, because you are not getting another car to replace it on your policy, you will want to have a cancellation date for the day after the accident.
Your car insurance company will request proof that your vehicle was indeed ‘totaled’ in an accident and the date the accident took place if the other party’s car insurance company is going to pay you for the car accident, to backdate your cancellation date to the day after your accident. Most insurance companies in Roanoke, VA impose a ten percent surcharge to your return premium when you cancel a policy, this is somewhat called a ’short rate’ cancellation. I do not know if that surcharge will apply in this type of situation. You will need to speak to your insurance company or otherwise, you will be refunded any money that is rightfully yours.
Cheap Auto Insurance For Used Car
Reader’s Question:
Regarding car insurance in Portland Maine, does it matter if the car I will purchase is new one or a used car?
Malcolm
Portland, ME
In general, a used vehicle will cost less to insure since its worth is normally less than a brand new car. Also parts and repair costs tends to be lower for a used car in comparison to a new car and thus if the car must be repaired after an accident the expense should be less for the insurer to fix the used car.
If the new car though is a mid-size family sedan it may cost less than let’s say a used Porsche to insure. So it will still depend on the type of vehicle as well as the age of it on how insurance company will rate your vehicle. Collision-damage costs are also one of the main factors considered in differentiating the cost of insuring one type of car over another. To a lesser extent, you also want to look at how attractive the car is to thieves, whether it is new or used, if a car is popular to thieves and often stolen it may be higher to insure. If you are searching for a car to buy in Portland, ME and are trying to decide between a new or used car, you can get an automobile insurance quote online if you have internet access, on each vehicle to see what the price difference would be for each to be insured.
Cheap Auto Insurance Coverage In Alabama
Reader’s Question:
How do I compute what my car is worth in Mobile, Alabama? I want to know in order to determine how much collision & comprehensive coverage I should get.
Peter
Mobile, AL
Determining your car’s worth is somewhat like an insurance company calculating a vehicle’s actual cash value (ACV) after a total loss. To know the value of your vehicle you need to determine what amount you could get if you were to trade in or sell your vehicle at this point in time.
I suggest you can use valuation tools such as NADA, Edmunds or Kelley Blue Book. These guides and tools will give you trade in values, retail values and private party values typically. To get the most accurate idea of what your car is worth put in what options your car has, such as the mileage and basic condition. Aside from these valuation guides and tools you can look at how much a vehicle in your condition and mileage is selling for in the local car market in Mobile, AL. Internet sites such as Autotrader might help you in this kind of issue. Once you have determined the value of your car you have the personal decision if you want to carry comprehensive and collision coverage on your car.
I Need Auto Insurance Help Here In Arizona
Reader’s Question:
What if I got into a car accident in Tucson, Arizona and someone sues me, what if I think the car accident is my fault, should I say so?
Bryan
Tucson, AZ
The Arizona Motor Vehicle Division (MVD) wants to make sure that everyone on its roads is protected and safe. For that same reason, it requires that all vehicles, including motorcycles, mopeds, and golf carts, be covered with liability insurance from a company that is authorized to provide the service in Tucson, Arizona.
If you get sued, contact your insurance agent and your lawyer right away. Normally, your car insurance company will assign a lawyer to handle your case. But, if you are sued for more money than the coverage of your policy, you may need your own attorney too. In addition, car insurance company lawyers do not handle traffic citations or criminal cases, such as hit and run charges. If you have been charged with a crime and cannot afford a lawyer, call your county’s Public Defender. You may qualify for free assistance, depending on your income.
If you have been involved in a car accident, do not volunteer any information about whose fault the accident was. You may think you are at fault and then later find out that the other driver is as much or more to blame than you are. Before taking and admitting your fault, you should first talk to your car insurance agent, your lawyer or both before taking the blame. If you confess anything to the police or the other driver it can be used against you in the court. Do not agree to pay for car damages or sign any paper except a traffic ticket until you check with your car insurance company or your lawyer.
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