Many insurers will agree to drop a child away at college from auto insurance if they study full time at least 100 miles away. If they are likely to spend most of the year at school, this may be a sensible choice since parents can save between $1000 – $2000 a year by doing so….
Continue readingFrequently Asked Questions
What Is an Auto Insurance Quote?
A car insurance quote is an estimated premium for the coverage you selected, calculated by an insurer based on their assessment of the information you give about yourself, your vehicle, driving history, zip code, credit score, age and other relevant factors. A quote typically includes the price you are expected to pay providing the information…
Continue readingDoes Liability Only Insurance Cover Damages to my Own Car?
There are motorists who may choose to acquire auto insurance solely to fulfill their state’s legal obligations. For such individuals, a liability-only auto insurance policy could suffice. However, it is important to understand that liability-only policies generally provide coverage for liability and other mandatory state requirements, but they usually do not include protection for the…
Continue readingIs It Illegal To Not Have Car Insurance?
Yes, drivers must have at least minimum liability auto insurance to be able to drive legally. Federal laws require every driver to have liability insurance to protect the interest of pedestrians, other road users, vehicle and property owners against damages and injuries caused by an at-fault driver. Every state implemented federal laws into their state…
Continue readingHow Long till Auto Insurance Cancelled if Premium Unpaid?
Typically, when a car insurance premium goes unpaid, the insurer will send a notice to the policyholder to inform them of the outstanding payment. This notice often includes a grace period during which the payment must be made to avoid policy cancellation. The length of the grace period can vary, but it is commonly around…
Continue readingHow Long Can You Be without Auto Insurance?
Car insurance is a legal requirement in virtually every state if you want to drive a vehicle on public roads. The primary purpose of this requirement is to ensure drivers have financial provisions in case of injuries and damages caused by their vehicles. Therefore, you need to make sure that you have coverage for driving…
Continue readingWhen Does Car Insurance Activate?
You don’t want to make mistakes when insuring an automobile and want to know exactly when it will be placed on cover. You may need it to start at a later date or as quickly as possible depending on circumstances and current policy. Knowing where you stand will reduce anxiety and allow you to efficiently…
Continue readingIs Car Insurance More Expensive for Males or Females?
Many considerations are taken into account when underwriters calculate premiums. They all try to figure out level of risks they are exposed to. If you are statistically deemed to be more likely to cause accidents you will have to pay more money to compensate for it. Quite often people ask; is car insurance higher for…
Continue readingI Need an SR22 but Don’t Own a Car
If you are asked to file this certificate it is because you lost your license due to causing an accident while uninsured, getting caught while drunk or driving recklessly. You may have lost it as a result of series of traffic tickets as well. Now, if you want it back you need SR22 insurance. Do…
Continue readingCan a Minor Get Car Insurance?
Minors cannot sign a contract legally so they need their parents or guardians to sign for them if they want to buy auto insurance. The age of majority is the age you are considered to be an adult and allowed to enter into contracts legally. Until then, you are deemed to be a dependent in…
Continue readingCan I Transfer Insurance from One Car to Another?
Many people either trade in their old automobiles or sell them independently when they buy another one. Most people don’t need, don’t have space or cannot afford two of them. If this is the plan you don’t need to buy a separate policy for the new automobile most of the time, especially when you are…
Continue readingDo Insurance Pay for Rental Cars While They Repair Mine?
When your car is damaged in an insured incident and being repaired, the inconvenience of being without a vehicle can add frustration to an already stressful situation. However, there’s good news: you may be able to secure a rental car during the repair period, thanks to Rental Car Reimbursement coverage. But you need to arrange this…
Continue readingCan I Cancel my Auto Insurance Anytime?
There may come a time when policyholders consider canceling their car insurance policies. Whether it’s due to finding better coverage at a lower price or no longer owning a vehicle, canceling a vehicle insurance policy can potentially save money and meet changing needs. Let’s explore the process of terminating policies, the considerations involved, and how…
Continue readingWhat Documents Do I Need to Get Car Insurance?
Lately car insurers are trying hard to price risks fairly so that good drivers get rewarded deservedly and problematic applicants are made to pay more for the extra risks associated with them. So, providing all the facts helps you get the best price. You may want to rely on certain documents when getting auto insurance…
Continue readingHow Much Should I Be Paying for Car Insurance?
When it comes to automobile insurance premiums, many factors come into play, making it a personal and varied experience for motorists. Elements such as age, coverage preferences, vehicle type, accident and ticket history, and credit score all contribute significantly to the rates individuals are quoted. However, one of the primary starting points that can affect…
Continue readingHow Long Does It Take to Get Car Insurance?
The good news is that automobile insurance is one of the easiest types of policies you can buy. Most companies can place you on cover almost instantly as soon as you complete the proposal form. They don’t need to see you in person or get a doctor to examine you. People can compare quotes, purchase…
Continue readingSix Month Auto Insurance
Most companies mainly sell 6 month car insurance so that they can reassess and reprice ever-changing risks. With six month coverage auto insurers are not stuck with a high-risk policyholder for another six month like the case with 12 month policies. Vehicle insurance companies cannot easily cancel a policy even if you have an accident…
Continue readingInteresting Auto Insurance Facts, Answers & Key Insights
Drivers might have come across various information about car insurance throughout the years, but often, these details have gone unchecked for accuracy. Some of these pieces of information could be misleading or mere myths. As a result, it becomes crucial to understand the true status of your coverage. Presented here are a compilation of a…
Continue readingCan I Renew Auto Insurance After It Expires?
Companies usually send a notice regarding policy renewal, including updated terms and prices, approximately 30 days before the expiration date. If you don’t have an auto-renewal agreement in place or fail to submit the premium to renew it, your car insurance policy typically expires at the end of its term. Whether you can renew the…
Continue readingNo Down Payment Auto Insurance
Although there are flexible premium payment options that allow you to spread the cost, car insurance doesn’t start without an initial payment. The best you can hope for is to pay your premium monthly, in which case you may still need to pay a larger initial payment before the rest of the premium is spread…
Continue readingAuto Insurance with Foreign Driving Licenses
Most major vehicle insurers in the US cover international drivers as well, although premiums may be higher due to lack of history in the country. There are several options depending on the length of stay and where you are from but it is best that you get an International Driving Permit (IDP), which is usually…
Continue readingRefunds for Duplicate Auto Insurance Policies
There are instances where individuals unknowingly end up with two insurance policies for the same vehicle. For example, an unintentional auto-renewal may kick in to renew your policy even though you were under the impression that your policy expired and you arranged an alternative coverage already. This article will look into the reasons behind the…
Continue readingCan Someone Else Drive My Car? Insurance Considerations
As a car owner, you may occasionally find yourself in a situation where you need to let someone else drive your vehicle. Whether it’s a friend, family member, or even a valet service, it’s important to understand the implications from an auto insurance standpoint. This article will delve into the coverage aspects, what happens in…
Continue readingDoes Education Affect Car Insurance Rates?
The education level of applicants is a minor factor that may affect auto insurance costs. Most insurers take educational qualifications into account, provided it is permitted by the state. Typically, drivers with a high school diploma may receive fractionally lower car insurance rates compared to high school dropouts. College graduates may experience slightly greater savings,…
Continue readingHow Much Does It Cost to Add a Car to Insurance?
The easiest and cheapest way of insuring a new auto may be to add it onto an existing policy. This may be a preferred option from the administrative point of view as well. You may not want to deal with separate schedules, renewal dates and carriers. We will look at various options and costs on…
Continue readingIs It Illegal to Get Paid Twice for the Same Insurance Loss?
When automobile insurance companies know that you have two covers for one particular loss, they would work out who should pay. Generally, one policy would be the primary and the other secondary. So, the latter would only be called to make compensations when the former is exhausted. This would be the case when the damages…
Continue readingIs Insurance for Luxury Automobiles Costlier?
Luxury vehicles are expensive to buy, usually have powerful engines for enhanced performance, they are costlier to repair because of their expensive and intricate parts and all these characteristics makes luxury cars expensive to insure in comparison to commonly available and easy to repair vehicles like popular sedans and minivans. While some high-end automobiles may…
Continue readingDoes the Wrong Address Invalidate Auto Insurance?
Vehicle insurance companies base their premium calculation on the information provided by policyholders and therefore it is important to give accurate information and update them when there are changes. The address where the insured vehicle is garaged is of utmost importance as insurers use this information to assess the risks associated with the vehicle’s location. Certain…
Continue readingCan Late Auto Insurance Payments Affect Credit Score?
Vehicle Insurance companies typically refrain from reporting missed premium payments to credit agencies. Similarly, making regular premium payments does not contribute to improving your credit score since such activities are not reported either. However, it’s crucial to remember that failing to pay premiums can lead to the insurer canceling the policy after issuing a notice…
Continue readingWhat Is Duty of Utmost Good Faith and Disclosure?
Duty of utmost good faith is defined in the common law as a requirement for both parties to a contract to disclose all material facts. In an insurance contract (policy), the onus is on the insured or proposer as the contract starts with a proposal from someone (or organization) who wants to be insured and…
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