Teen Driver Insurance Montpelier Vermont VT
Reader’s Question:
I have a teenage daughter who will celebrate her 17th birthday this September. I promised I’d buy her a new car. I already have a car in mind but I don’t know what I should consider in getting cheap car insurance for her in Montpelier, VT. I’m hoping someone can help me with this. Thanks!
Vanessa
Montpelier, VT
I’m a mother also and I’m about to add my teenage daughter under my auto insurance. I have a brother (who knows a lot about car insurance) who gave me tips on how I could get lower rates in Montpelier, VT even after adding a new driver under my insurance:
1. Bad Driving record is a big NO NO. This only means one thing – higher premium.
2. More safety features equals less accident which means lower premium. So, invest in security features and anti-theft devices on your daughter’s car.
3. Demand good grades from your daughter. If she studies well, then you’ll get discount on your premiums for good student discount.
4. Shop for inexpensive car. These kinds of cars are cheaper to be insured as compared to fancy cars.
5. Shop for insurance rates online through websites. Just enter your zip code here and you’ll be amazed by the different rates you’ll get from car insurance companies in Vermont.
It’s also important that you teach you teenage daughter on how to be responsible. Start by asking her to pay a part of your insurance. This way, she’ll be more careful while driving because she knows she’s paying for something that she needs to take good care of.
Tags: auto insurance, teen insurance, Young driver car insurance
SR22 Auto Insurance East Seattle Washington WA
Reader’s Question:
I was charged with reckless driving in East Seattle, Washington, and was ordered to obtain an SR22 form. It has been almost four years now and I still have the sr-22 certificate. I know I was only required to have it for just three years. Do I need to do something to remove the sr22?
Brenda
East Seattle, WA
It seems like that you were required to carry proof of Financial Responsibility (SR-22) Insurance Form to reinstate your license after a revocation or suspension due to a reckless driving violation. But you are correct that a person in this case normally needs to carry SR-22 insurance for three years.
To verify if your period for carrying an SR-22 for your reckless driving violation is up already you should contact the Washington Department of Licensing (DOL) or other state agency in East Seattle that required you to carry the SR-22. If your time period for holding the SR-22 form is over then the DOL or other Washington department should be able to help you what steps to take in order take off carrying this certificate of insurance.
Tags: automobile, car insurance, sr22 car insurance
Buy Car Insurance In Lakeland Florida FL
Reader’s Question:
I live in Canada and would like to buy a vehicle in Lakeland, Florida that I can use during the winter months. I am planning to bring it home to Canada for the summer months. Can I purchase car insurance in Florida that will cover Canada at the same time?
Leslie
Lakeland, FL
To insure and register a car in Lakeland, Florida you will need to acquire a Florida driver’s license. The FL Department of Highway Safety and Motor Vehicles states that Canadian citizens are non-immigrants and are permitted to stay in the US without getting INS documentation. Canadians without INS documents must show proof of Canadian citizenship to be issued a FL driver license by providing two of the following: Canadian passport, Original or certified Canadian birth certificate, Canadian driver license, Canadian Naturalization certificate.
As for getting auto insurance, the mandatory liability insurance bought in Florida is different than what is required in Canada and because of this it would likely be not easy to find an insurance provider that could cover your car in both places. The Canadian Snowbird Association, might be able to assist you check if as a seasonal FL resident you can get car insurance for both FL and Canada. You might also speak this issue with your current Canadian car insurance provider.
Tags: auto insurance
High Risk Car Insurance Detroit Michigan MI
Reader’s Question:
How is life insurance risk different from auto insurance risk? I’m from Detroit, Michigan.
Adam
Detroit, MI
For you to understand the difference between the two, you have to know first what life insurance is and what auto insurance is. Life insurance or life assurance is a contract between the policy holder and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured individual’s or individuals’ death or other event, such as terminal illness or critical illness. In return, the policy holder agrees to pay a predetermined amount called a premium at regular intervals or in lump sums.
On the other hand, auto insurance risk selection is the process by which vehicle insurers determine whether or not to insure an individual and what insurance premium to charge. Depending on the jurisdiction, the insurance premium can be either required by the government or determined by the insurance company in accordance to a framework of regulations set by the government. Most of the time, the insurer will have more freedom to set the price on physical damage coverages than on mandatory liability coverages.
To answer your question, the major difference between auto insurance risk and life insurance risk is that, while you can only die once, you can have many auto accident claims. The details can be far more varied, with losses for things like liability, medical payments and physical damage.
Tags: auto insurance, auto insurance premium, high risk insurance
Non Owners Insurance Manhattan New York NY
Reader’s Question:
I live in Manhattan New York and rely on public transportation, but I occasionally borrow or rent a car for trips to the city. Should I have an auto insurance policy?
Erin
Manhattan, NY
For people like you who drive occasionally but don’t have their own car, you may consider getting a non owners insurance policy. Many insurance companies offer non owners insurance policies that typically include liability, medical payments, and uninsured/underinsured motorist coverages. Generally, this kind of policy does not include comprehensive, collision, towing reimbursement, or rental reimbursement coverage.
If you buy the limited coverage offered by car rental companies, you can get approximately the same coverage. However, buying a non owners policy is usually more cost effective if you rent a car for more than say, 10 days per year. Depending on factors like where you live, your driving record, and various other factors, a typical non owners policy will cost from $300 to $500 per year.
In addition, a non owners policy provides coverage for any car you drive, not just rental cars. If you get into an accident with a borrowed car from a friend, your friend’s insurance would kick in first. But if the accident was your fault and the damage to the other driver’s property was in excess to the liability limits on your friend’s policy, your non owners insurance policy would cover the excess (up to policy limits).
There are many auto insurance companies in Manhattan New York, so study your options wisely. If you need to shop for auto insurance quotes, you can always get free instant quotes online without having to speak to an agent.
Tags: auto insurance, non owners insurance
New Driver Auto Insurance Bossier City
Reader’s Question:
I’m a new driver and been driving here in Bossier City, LA for 6 months now. Are there ways that could keep my premium from going up?
James
Bossier City, LA
Yes. There are indeed several ways on how you can reduce the price of your premium.
First, always drive safely. Having a good driving record means lower premium. There are auto insurance companies that offer discount to careful drivers.
Second, choose the policy that suits your needs. Let’s say you have an inexpensive car, then there’s no need for you to invest so much in comprehensive coverage.
Third, make sure your car has enough security features.
Fourth, if you don’t use your car that often then get a low-mileage policy.
Fifth, chose your car carefully. It’s better if you’ll go for cars with small engine.
You can also check with you car insurance agents in Bossier City in Louisiana on other ways to lower down your premiums. Also, check the available resources online so you could compare the auto insurance rates in your area.
Tags: Beginner car insurance, car insurance agent, car insurance rate
Driving Without Insurance St. Paul Minnesota MN
Reader’s Question:
What is the fine for driving without insurance in St. Paul MN ? I received it after the ticket citation.
Ray
St. Paul, MN
In Minnesota, driving without insurance is a misdemeanor. If this violation occurs twice within 10 years it is considered a gross misdemeanor. The penalty can be a sentence for a fine of not less than $200 but not more than the maximum fine applicable to misdemeanors and imprisonment. In addition to the amount to be paid, the person convicted of this might also have their driver’s license revoked.
The Minnesota statutes states that a driver may produce proof of insurance no later than the specified date and time on the citation for their first court appearance. You will still have to pay the fine also as show proof of auto insurance at the time of your court date. For specifics regarding your case you may contact the Department of Motor Vehicles in St. Paul MN.
Tags: auto insurance, automobile, driving without insurance
Car Insurance Coverage Question
Reader’s Question:
Is it legal to include “commuting to work” if I only work 1-2 days a week, and if this isn’t my main work? What would happen if I get involve in an accident on the way to this part time job? Would I be covered under comprehensive coverage?
Bart
Los Angeles, CA
Basically, comprehensive coverage covers your car, and sometimes other cars you may be driving for losses resulting from accidents other than collision. For instance, comprehensive coverage insurance covers damage to your vehicle if it is stolen; or damaged by fire, flood, or animals. (It will pay to fix your car less the deductible you choose.) Now, if you are talking about having an accident with another car, you would be talking about collision coverage then to help fix your car. Regarding your other concern, concealment or keeping information from your insurance provider and material misrepresentation by not telling the truth to your insurance carrier gives your insurance carrier grounds for voiding your car insurance policy. This means the insurance provider, will give you back any monies you paid into your auto insurance policy, and you will be stuck paying for the claims resulting from the accident. Also, your insurer will probably not void it unless the case creates an increase in insurance rate or creates a situation that they would normally not insure. If you commute to and from work, where no business use is done in relation to your work, this is considered pleasure use. If this is the case, your car insurance rate should not change – unless your insurer rates your premiums based on your car’s daily mileage. Your best option is to contact your insurance provider. Let them know about your part time job and, let your insurance carrier determine your best course of action for your auto insurance needs.
Tags: auto insurance, auto insurance premium, car insurance rate