DUI High Risk Car Insurance
Reader’s Question:
My cousin had been convicted of DUI and because of that he’s paying so much on his premium. He said he is considered a high risk driver by his car insurance company. I’m a new driver and there are a lot of things I don’t know about car insurance. How does one become a high risk driver in Nampa, ID?
Chad
Nampa, ID
In general, when a person has been convicted of serious traffic offenses such as Driving under Influence (DUI), auto insurance companies considered them as high risk to be insured.
Being a high risk driver depends mainly on your driving record. So let’s say you’ve been involved in several vehicular accidents, particularly if that resulted to significant liability against you, then you are considered as someone that is risky to be insured. Getting several speeding tickets, will also make one a high risk driver. But being convicted of DUI like what happened to your cousin is the worst nightmare that could happen to any drivers. When my brother was caught drunk driving in Nampa, ID, he was fined of not more than $1000 and his license was suspended for 180 days.
Although, I’ve mentioned that being a high risk driver is dependent on your driving history, having a fancy sports car make you a high risk driver too. Also, having a poor credit history, gender (males are considered to be risky to be insured as compared to females), age, (teenagers are high risk driver as compared to adult drivers) and place of residence (living in an urban area is less safe than in rural areas) are also some of the factors that makes one a high risk driver
There are some factors that you cannot control that makes one a high risk driver. But one of the things you can do not to be tagged as one is to make sure you drive safely. Maintaining a clean driving record will surely make you get lower premiums. It’s one great way of saving money and saving your life also.
Cheap Young Driver Car Insurance In Kansas?
Reader’s Question:
I will be adding my teenage son under my car insurance. I’m a single mom. I’m afraid that I might be paying more than I could afford on my premiums once I’ve added him under my policy. I’m hoping you could teach me ways on how to get cheaper insurance rates in Kansas City, KS.. Can you help me?
Ruby
Kansa City, KS
I do understand where you’re coming from. I dreaded the moment too when I’ve added my daughter under my car insurance’s name. But you really don’t have to worry a lot. There are some factors you need to consider to help you get cheap car insurance rates for your teenage driver:
1. Check the available resources online. It’s always cheaper to get quotes online than from an insurance agent. Why? Less money is involved in running a website rather than paying insurance agents.
2. Make sure your teenager is studying more rather than partying at night. If he got good grades in school, then he’ll qualify for a good student discount.
3. Has your teen completed a defensive driving or safe driving course? If yes, then you can get as much as 15% discount off your premiums.
4. Is you teen’s car equipped with anti-theft devices? The more safety features a car has, the lower your rates will be.
5. Is your teen going to drive an inexpensive car? The lower the value of the car, the lower the rate of your premiums.
Start surfing the net now and you can easily compare quotes in Kansas City. You’ll be shocked on how rates vary from one company to another. I wish you luck in shopping online.
Are You Driving Without Insurance in Oregon?
Reader’s Question:
What would happen to me if I got pulled over in Bend Oregon and I did not have car insurance?
Becky
Bend, OR
Failure to provide proof of car insurance to a police officer when requested, is a class B traffic violation in Oregon. The state of Oregon has a mandatory insurance law which requires every motorist to insure their car.
Driving without insurance in Ben Oregon can result in fines (averaging around $300), suspension of your drivers license and in some areas your car can be towed. If the court convicts you of driving without insurance, you will need to file proof of future financial responsibility (SR-22) with the Department of Motor Vehicle for three years or else your driving privileges will stay suspended.
If you are caught driving uninsured and are involved in an accident, your driving privileges will be suspended for a year. After the period ends on your suspension you will have to carry an SR-22 for three years.
Switching Car Insurance Cambridge Massachusetts MA
Reader’s Question:
I am currently insured here in Cambridge, Massachusetts and I plan to switch insurance companies. How do I go about switching my car insurance company and do I have to have a new provider first before cancelling my old policy?
Ellen
Cambridge, MA
I bet that you regularly review your car insurance coverage to make sure that you’re receiving the best insurance value for your money that’s why you decided to switch car insurance companies. Shopping around is a very good practice because sometimes, the premium rates for identical policies could vary among different companies. The reason for the variation of premiums could be very complicated but it would boil down to the insurance company’s claims experience with policyholders in your coverage group.
In general, all you have to do to cancel your policy is to inform your car insurance company in writing and specify the date you want the policy cancelled. You may be asked by the car insurance company to send back the actual printed policy. Your car insurance company would send you a cancellation request form that you should sign and return to them. I suggest that you examine the form carefully so to make sure that all information with regard to your policy is correct. Before doing all these, you have to make sure that you have a new policy in place before cancelling your old car insurance coverage. And if it happens that you don’t have a new car insurance provider yet, don’t waste time and find a great insurance company in Cambridge, Massachusetts by getting an online rate quote available from this website.
Tags: auto insurance claims, auto insurance policy, auto insurance premium, car insurance rate
Are You Looking for Cheap No Fault Auto Insurance?
Reader’s Question:
I still have a lot of questions about auto insurance because I will buy a new car that needs to be insured. I live in West Valley City, Utah and if I get into a car accident, will my insurance cover the damage even if I was the one who caused the accident?
Karen
West Valley City, UT
It’s a good thing that the state of Utah uses a No-fault car insurance system. This means that your insurance company would make payments up to a certain limit for your injury claims and you will be indemnified for losses by your insurance company regardless of who is at fault the accident. You (and your passengers) will not only be reimbursed by your insurance company without proof of fault, but you will also be restricted in the right to seek recovery through the civil-justice system for losses caused by other parties.
You have to be aware of the various details of the No-Fault system and the best way to do that is to check with your state insurance regulator. The goal of no-fault insurance is to lower the premium costs by avoiding expensive litigation over the causes of accidents and to provide quick payments for injuries. But critics of the no-fault system argue that it doesn’t punish reckless or negligent drivers sufficiently through jury awards or legal settlements. Another disadvantage is that no-fault system could have a high car insurance premium than other jurisdictions. But you could still be able to get the lowest insurance premium in West Valley City, Utah by shopping around and the best way to do that is to get an online rate quote from this website.
I Want a Lower Car Insurance Rate in Pittsburgh Pennsylvania
Reader’s Question:
I’m planning to get a new insurance for my car because it seems that I’m paying way too much with my current insurance company. How can I be able to get a lower premium rate for my car insurance here in Pennsylvania?
Marina
Pittsburgh, PA
A lot of factors actually affect your car insurance premium and that includes your age, where you live in, where your car is garaged, your driving record and the make and model of your car. Although it may seem that you could not do much about some of those factors, there are several things that you can do to lower your premiums.
The first thing that you can do to get a lower car insurance premium rate is to increase your insurance deductible. This would be the amount of money that you have agreed to pay out of your own pocket before your insurance coverage kicks in. Then you could also eliminate optional coverage from your car insurance like rental insurance, towing and labor, etc. You may also opt to eliminate comprehensive and collision coverage if you are driving an older car which has a value of less than $1,000 and if you could afford to pay for repairs if necessary. You might want to ask for available discounts for your car insurance as well. Insurance companies could offer discounts for safety or antitheft devices and low-mileage discounts. Best of all, you have to shop around for your car insurance coverage. Car insurance premiums for the same coverage on the same car could vary widely among different insurance companies. I suggest you start you search now for a very low insurance premium from a great insurance company in Pittsburgh, Pennsylvania. Look at the top of the page and you could get an online rate quote from this website.
Compare Auto Insurance Rates in Portland Oregon
Reader’s Question:
Does it really help if I make it a habit to compare auto insurance company rates annually? I currently have auto insurance in Portland Oregon but I always feel that I may still be able to get a better deal from another company.
Jasmine
Portland, OR
Auto insurance companies are always looking for ways to increase what you pay for your premiums. Examples are, if you have an accident, if you have a teen driver, if you file certain types of claim, if you don’t have a garage, if you buy a car that happens statistically to be stolen more often, if you change jobs and have a longer commute to work, and etc. All these reasons give an insurance company the right to raise your auto insurance premium. The only way for you to make them stop increasing your rates is to make them compete for your business. As in all negotiations, information is power and you have to be willing to walk away from a bad relationship.
First is, you can get multiple insurance quotes in Portland Oregon without having to talk to an insurance agent or sales representative. There are many websites available that allow you to provide driver, vehicle, claims and violations information online in order to show you insurance quotes from multiple companies. You can in fact visit each company’s site individually and request a single quote from each.
You would also need to show insurance companies that they can’t just raise rates whenever they feel like it. Insurance companies know that an increase in rates will only motivate a small number of their policyholders to look elsewhere. They usually count on your apathy so don’t let them get away with it. Remember that options are available in case you need to look for another company so shop for the best auto insurance policy that suits your needs.
Cheap Auto Insurance in Abilene Texas
Reader’s Question:
Does an unmarried couple residing in Abilene Texas who’s been living together need to share the same policy if they each have their own car? Is it cheaper?
Jeremy
Abilene, TX
Insurance companies tend to favor two-car policies and often offer discounts. What you can do is to compare rates from different auto insurance providers in Abilene Texas to see if it’s cheaper to combine or have separate insurance. Be aware that in calculating insurance premiums, each driver and each vehicle will be rated separately. It would be even better if you own a house together and use the same carrier for your homeowner’s and auto insurance.
Usually if your insurance company knows that you’re living in with someone, they will ask you to add that person either as explicitly included on your policy (listed as a driver and their driver’s license rated) or EXCLUDED (not allowed to drive the car and not covered if they DO drive it).
When deciding whether or not to combine your insurance policies, you may want to consider NOT mentioning that you live with someone who has a bad driving record. If a person has a bad driving record, it’s recommended to have separate policies for cheaper rates. In this case, the policy of the better driver may need to exclude that of the bad driver.
Just a footnote, for unmarried gay couples in states or cities where there is domestic partnership there may also be a discount being offered by some insurance carriers.
Cheap Auto Insurance Rates in Brooklyn New York
Reader’s Question:
Someone told me that if I switch to a smaller car, my insurance bill can go up, is that true? I think I’m already paying high enough for my car insurance in Brooklyn New York and should this happen, I might consider going without insurance.
Ryan
Brooklyn, NY
If you’re thinking of downsizing your car for better fuel economy, you may end up upsizing your insurance bill without even realizing it. So, you may need to think again since it’s just not as cut-and-dry as what people think that if you get a smaller car, you’re going to pay cheaper premium – it’s just not that simple.
Though there were studies that smaller size vehicles offer substantial fuel savings, the question is will car insurance savings follow, too? Is there an assurance that by having smaller size vehicles, you would have lower insurance rates? Can you equate a smaller vehicle to smaller car insurance rates? The answer is a big fat no. According to a car insurance rate research, switching from a larger vehicle to a small car like a Honda Civic or Toyota Prius is likely to raise your car insurance rate.
You may ask, is that a reflection that car insurers have no appreciation for fuel conservation, lower emissions and smaller carbon footprints? Insurers would tell you; only when it’s justified by their insurance claims experience. If you’re thinking of dropping your insurance, you need to have discussions first with your Brooklyn, New York agent since that would result to consequences which may be much more difficult to resolve.
Cheap Teen Auto Insurance Rates With 1 Traffic Ticket
Reader’s Question:
My teenager son just had his first traffic ticket. And I fear that it will affect the rate of my insurance policy in Manchester, NH since he is under my name. Is it going to cause my insurance to go up?
Rey
Manchester, NH
Yes. No matter which side of the coin you look at, having a traffic violation always means one thing – negative impact to the insured driver.
When my teenage daughter had her second speeding ticket, I was shocked on the increase in my car insurance policy. My rate increased from 50% – 150%. When she got her first speeding ticket, we used the deferment program for the first time and just paid the ticket. With this, given that my daughter does not get her second speeding ticket within the year, her traffic violation will be removed from her record, so my insurance company will never know about this. But unfortunately, she does it again within the same year. So my car insurance charged me with higher rate, more than I could imagine.
But you should know that such increase does not apply if your son was caught driving going 20 miles or more than the speed limit. Brace yourself, because you’re just up to paying even higher premium to your auto insurance.
It’s always important to remember that having a clean driving record is a significant factor on keeping our premium low. Teenagers should know the value of being a responsible driver. After that incident, I demanded that my daughter pay her share in our auto insurance. Since then, gone are the speeding tickets.
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