Every coverage has a predetermined expiration date at the end of the term, which is either 6 or 12 months. Often, policyholders wait until they receive auto insurance renewal quotes to shop around or make changes to policies. The renewal notice usually arrives about 30 days before the expiration date by email or mail and…
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What to Do with High City Auto Insurance Prices?
Especially when drivers move from smaller places to cosmopolitan areas, they notice a huge difference in premiums. They may have to pay twice in especially cosmopolitan cities for car insurance in comparison to the state average. When considerably higher rates are involved, it is worthwhile going over the reasons and see if you can make…
Continue reading5 Auto Insurance Discount Prospects for Seniors
As you get older there are a few things you need to adjust. Life can be quieter after children leave home and you need to find other activities to fill the busy schedule you once had. You are probably retired and have more time in hand. Now could be a good time to work on…
Continue readingDo Car Insurance and Registration Address Have to Match?
The short and simple answer is yes, most states and insurers insist on seeing the same address on both vehicle registration and insurance documents. States want to make sure that the address given for registration is where the auto is kept and this is extra important for insurance because the premiums are based on zip…
Continue readingHow to Cancel Auto Insurance Mid-Policy
Canceling car insurance early requires taking proactive steps to inform your insurer of your intent. Simply allowing the policy to lapse without notification can result in ongoing charges and potential damage to your credit score. To cancel early, contact your insurance provider, provide necessary information, and confirm the effective date of cancellation. Follow any specific…
Continue readingCan Small Claims Cause Auto Insurance Non-Renewal?
When it comes to pricing and deciding whether to retain a policyholder, claims play an essential role for underwriters. Car insurance companies consider not only significant losses but also the number and frequency of claims. If a policyholder has a high number of claims, even if they are minor or not their fault, it indicates…
Continue readingIs Being Married Advantageous for Auto Insurance?
Marital status is one of the indicators of risk affecting car insurance premiums so it is one of the questions on a quote form. Statistically, married drivers tend to file fewer claims and are less likely to get involved in accidents than single or divorce motorists. Car insurers see getting married as a sign of…
Continue readingCan I Change my Auto Insurance Anytime?
To ensure that their car insurance policies reflect accurate and up-to-date information, policyholders are typically required to notify their insurers of any changes in their details or circumstances. This allows the insurer to make necessary adjustments to the policy, such as updating the address, replacing the insured vehicle, adding or removing drivers, and so on….
Continue readingDifference Between a Moving Violation Ticket and Conviction
When drivers are caught violating traffic rules, they receive a ticket (also known as citation), which is a written document detailing their offense and the circumstances of being caught. Initially, the ticket does not show on their driving record unless they accept the offense and pay the fine or are convicted in court. Drivers have…
Continue readingWhat Causes Cancellation of Auto Insurance Policies
Car insurance is a contractual agreement in which an insurer promises to provide financial protection in case the policyholder faces losses and/or claims as a result of an insured event, in return for the payment of the agreed premium. While insurers strive to maintain long-term relationships with their customers, there are circumstances that may lead…
Continue readingWhen Not to File a Small Auto Insurance Claim
In cases where your vehicle is damaged, but no other person or car is involved, you have the choice to file an insurance claim or pay for the repairs yourself, depending on factors like the extent of damage, your deductible, and your insurance coverage. If you have Liability-only insurance, your own vehicle’s damage is typically…
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