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
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.
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.
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.
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
Driving Without Insurance Help
Reader’s Question:
If you’ve been driving without car insurance for one year and wanted to fix the issue and be able to drive legally again, how can you go about doing that and is there a penalty charges for this?
Tom
Bloomington, MN
It is wise of you to decide to get insurance and be operating a vehicle legally again. It can sometimes be not easy to obtain car insurance when you have been without insurance for a long period of time.
There are penalties typically if you are caught driving without insurance so you are lucky to not have been cited by a police enforcement officer. The penalties differ by state but could include suspension or revocation of your license, impoundment of your vehicle, or fines. To begin fixing the problem, you may shop around buy a car insurance policy for your vehicle. Once that is done and the insurance policy is reported to your state, if you have any penalty charges for having a lapse in motor vehicle insurance your state will likely inform you.
Caught Driving Without Car Insurance – What Will Happen To Me?
Reader’s Question:
I know someone that got pulled over for the 4th time in ten years and she didn’t have car insurance. What will happen to her and will be the penalties she will be facing?
Arthur
Mobile, AL
The penalty for driving without insurance differ from state to state. In most states, your may will be impounded and car tag can be seized. Plus, some states impose heavy fines for those who operate a vehicle without car insurance. Limited states fine a fee of $150 to $500 for driving without car insurance.
The penalties can be far more serious if you get involved in an accident and do not have proper liability. You may be required to carry financial responsibility laws (SR22, SR22s, SR16) including having to pay for any damages or injuries out of your own pocket.
For every dollar you pay for auto insurance premium, a portion goes to those states that aren’t aggressive toward uninsured motorists.
Loading ...