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.
Very Ceap Auto Insurance Rates in Georgia
Reader’s Question:
I’m unsure if my car insurance company in Roswell Georgia will take care of my car’s windshield when it is broken, cracked or busted?
Jamie
Roswell, GA
Any type of broken windshield that is caused by vandalism or other road hazards is normally covered by the comprehensive section of your insurance policy. On the other hand, most auto glass damage that is caused in automobile accidents and collisions are covered by the collision section of most insurance policies. In most cases, all of the glass in the automobile should be covered by insurance policies, not just the windshield.
Each insurance policy is different and many offer different things, so before you decide on repairing your broken windshield you should contact your insurance company in Roswell Georgia and see what exactly is offered on your policy and how you should proceed with getting the glass repaired.
Windshield repair is something that does not need to be difficult. As a matter of fact, most insurance companies will encourage the repair because they uphold safety first. Your insurance company may recommend an auto glass company that would be good to repair your broken windshield. However, that does not mean that you have to get the recommended auto glass company. You have the choice to decide which auto glass company you want to fix your broken windshield. But you need to always let your insurance company know which auto glass company you want to complete the repair. Remember one thing: your insurance company may require you to pay out of your own pocket if you use an auto glass company that is not recommended by them, but they will reimburse you some or all of what you paid.
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.
How Do I Lower My Car Insurance Rate?
Reader’s Question:
How do I lower my car insurance rates?
Jim
Wilmington, DE
There are a lot of ways to lower your auto insurance rates. Here are a few simple tips on how you can save on you car insurance rates
1. Shop around. Check car insurance company websites and compare rates and quotes.
2. make sure that the quotes that you’re comparing are for the same coverage.
3. Request for higher deductibles for comprehensive and collision coverage.
4. Ask about discounts that you can take advantage of|
5. Maintain a clean driving record and credit history.
What Are The Car Insurance Laws?
Reader question:
When I am filing a car insurance accident report, how will traffic car insurance laws effect who is considered to be the at fault driver?
Ronny
Thanks for asking, Ronny.
I think that one of the greatest ways to get your car insurance accident claim done your own way is to be educated. Be the smart one in the situation, and impress your car insurance claim adjuster with your knowledge. So, let’s begin. What’s a good thing to know about when you need to prove that a car insurance accident wasn’t your fault? Car insurance law and state traffic laws. State traffic laws can be the biggest factor in showing that the other driver, while they may not have been a very direct cause to the accident, was at least reckless or negligent in some manner.
Traffic laws govern the way people drive, and it isn’t very hard to find out which ones rule the roads of your own state. The information is publicly available in your local library. The listing is usually called the complete vehicle code. Other places that you can get a hold of it are law libraries (which you can find in universities, usually, and if you want to find one somewhere else, just check the yellow pages) as well as the department of motor vehicles.
How do you use the complete vehicle code when making a car insurance accident claim? It’s simple, and it doesn’t really take very much time so long as you have a clear idea in your head of the event of your car insurance accident. Just look in the index section of the vehicle code book and try to find any sort of laws that might apply to your car insurance accident claim report. These might be things such as speed limits, or right of way, or stop sign laws. Once you find the laws that apply to you, don’t just scribble a note down. For the best effect, you need to have the entirety of the wording of the law, correctly, as well as the statute number. This way, when you submit it to your car insurance company they will be able to confirm what you are claiming. It is always good to have accurate data and sources when you are using information that is not simply from your memory. It’s the same principle when they require you to submit your medical bills and statements so that they can verify your car insurance accident injury claims.
What happens if you have trouble finding the right laws to apply to your car insurance accident? All you have to do is ask a librarian to help you. They know what they’re doing. This is why I always suggest going to the library over going to the department of motor vehicles–considering that, concerning the latter, we know that they don’t know what they’re doing, and don’t want to help you.
Traffic law violations are also often included in the police report if they happen. If this is the case with your car insurance accident, then you should reference the police report. However, you might find it necessary to look up your law anyway–just for extra back up.
Cheers,
Fashun Guadarrama.
Cheap Car Insurance Liability Coverage Only
Reader question:
Okay, I got into a car accident, and I didn’t outright cause it, but if it weren’t for certain physical limitations of mine, it wouldn’t have been as bad as it was. Will I still be able to make a car insurance claim for my injuries?
Lucy
That’s a great question, Lucy.
On every subject, there is a situation that is not as clear as others. While it is easy to say who is at fault when someone rear ends another car, it is a bit more difficult to say if someone had some sort of fault if their eyesight was not in good enough shape to be able to drive in the safest way possible on the road. If you have some type of physical limitation that makes you wonder if some of the negligence in an accident may be put on you, then this might make you think as little bit.
There are many physical limitations that have an effect on driving, and one of the main ones is eyesight. This is one reason why car insurance companies often only give discounts for senior physical car insurance liability premiums if those seniors get regular exams to make sure that they are in the best shape to be driving. There comes a point when simple corrective lenses do not work. However, most people are able to wear glasses and contacts to solve this problem. Then there are other situations–perhaps someone has a leg that shakes a little bit, which caused them to put their foot on the gas and make a accident caused by someone else worse.
There is an expectation from the car insurance company that a driver who has certain limitations will take certain measures that may be necessary to lessen or get rid of the impact that their problem might have on their driving. For this reason, there might not be an excuse if someone with very bad vision goes driving without their glasses. However, there are some conditions which may slightly worsen an accident, although not causing it, which are normally not dangerous and can not be expected to be taken care of in any other way; or if someone has already accounted for their physical limitations and is driving safely.
The truth is that the final responsibility falls on the person who caused the accident. It is their responsibility to make sure that it is safe for anyone who may be driving on the road or their property, regardless of their physical limitations. If someone plows into the side of your car, then it is not your fault that you were put into that situation, because that was due to their own negligence. Therefore, in most cases, you are not at all at fault.
However, there are some instances in which the situation may become a little more murky, such as if your problem should have been taken care of before you went driving or if it contributed more significantly to the damages. In these cases, it would be wise to hire a car insurance liability claim attorney, who can help you navigate the claims system and get the negligence quotient that you deserve.
Cheers,
Fashun Guadarrama.
Cheap High Performance Car Insurance
Reader question:
I have a great car but it has a dent on it now, which I found when I came out of the store. Should I make a high performance car insurance claim?
Michael
I’m glad you asked, Michael.
You know, I think that one of the reasons that people can’t get cheap high performance car insurance is because they are too worry some about their vehicles. Now, don’t get me wrong. Most high performance cars are expensive, and thus even the smallest scratch could cost more money than usual to fix. However, you should not compensate for your worry for your vehicle by making a high performance car insurance claim for every little thing that happens. Even if it is something that will cost money to fix, that does not mean that your car insurance company will need to know.
The way I see it is that if something is under your deductible or you are otherwise able to afford to pay for the damages, then most of the time there is no reason to contact your high performance car insurance company unless you are a hundred percent sure that this would not put your clean auto insurance claim record in jeapordy. The reason I say this is, even though auto insurance companies want you to report all accidents in good faith even if you don’t file a high performance auto insurance claim for them, and they won’t punish you after the first couple, once you start a list then you will begin to see that they don’t think you are as good a customer as they thought you were before.
There are some guidelines that you should go by when deciding whether or not to report your high performance auto insurance accident to your company, and I’ll give you a list following this. You should think about these before you decide to call up and advise your company of your dent, although there are always going to be more factors and these should not be the deciding ones for your situation. Here they are.
- Can I pay for this?
This is the number one primary thing that you should consider. I got a dent in my car, too, recently, but I didn’t bother to call up my vehicle insurance company. It will probably cost me around fifty dollars to get fixed, which is five percent of my auto insurance deductible, so it doesn’t make any sense to report it. I can just wait and be lazy and go get it fixed when I’m ready, instead of having to worry about the long problems making a claim with my auto insurance collision coverage.
- Am I alone in this?
Another thing that will obviously play a huge role in you reporting your little accident to your high performance car insurance company is whether or not someone else is involved. If someone else is involved in the accident, then go no further. REPORT IT. I really don’t think there should be exceptions to this guideline, because even if the other person says they are okay and there is no need to report it and claim, that does not mean that it is true.
I’m not saying that the other person is lying, but I am saying that the evidence of damage may not be apparent right away after you get into an accident. The other person might start to feel back pains later that night, or might notice their vehicle making weird noises on the way home. One time I barely nicked a guy, and although there was no outer damage to my car, it wouldn’t start! You never know what will happen. If you get into an accident involving another party, report it.
Cheers,
Fashun Guadarrama.
At Fault Car Insurance Accident – Who Should Pay The Claim?
Reader question:
If I’m changing lanes and somebody in the lane I’m changing to is pulling out of a parallel parking spot, who is the at fault driver if we get into an auto accident?
Jerry
That’s a good question, Jerry.
It all depends on the timing of your little collision ballet, actually. For example, of the other car started pulling out before you started changing lanes, then that would bring one result. But if you started changing lanes before the other car began to pull out, then it would bring another. IT just goes to show how similar situations can be and how different the results are.
From the situation you describe, though, I want to say that it is most likely that the onus of the accident would be on the person who was changing lanes. The reason for this is, to begin with, that any time you collide with someone in a car insurance accident from behind, you are almost always at fault. This even applies when somebody slams on their brakes and then you run into them. The reason for this is that your car insurance company expects you to practice defensive driving techniques, which would have helped you avoid an accident.
It is also probable that if you started to change lanes and the other person started to pull out at the same time, that it would be a case of shared negligence. That way you would be considered responsible for a certain percentage of the other person’s damage, and they for a certain percentage of yours, depending on how much they are considered to be at fault in this car insurance accident. Either way, the person who ended up paying more would be the lane changer.
Cheers,
Fashun Guadarrama.
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