Age Limit For Teen Driver on Parents Auto Insurance Policy in New Jersey
Reader’s Question:
In New Jersey, what is the age limit under which I can still be insured under my parents auto insurance policy?
Is there an age limit where I can still be insured under my parent’s car insurance policy? I live in Paterson, New Jersey.
William
Paterson, NJ
Typically, most insurance companies will allow you to remain on your parent’s auto insurance policy as long as you live under your parent’s roof and you do not own your own vehicle. Some insurance companies will allow you to remain on your parent’s policy if you are away at college as well.
It is usually an insurance company that decided what its guidelines are concerning insuring the child of their policyholder. So you can request this information from your parent’s insurance provider. The state is normally not involved in setting age limits for this type of thing but to find out if New Jersey has a law governing an age limit for a child to be listed on a parent’s auto insurance policy, contact the NJ Department of Banking and Insurance.
Penalty For Driving Without Car Insurance in Michigan
Reader’s Question:
What should I be expecting if I drive without car insurance? What are the penalties? I live in Detroit, Michigan.
Leo
Detroit, MI
The state of Michigan requires no-fault insurance so that every registered vehicle must be insured. It is a misdemeanor to operate your vehicle or let your car be driven without basic no-fault auto coverage. If you are convicted of driving without the mandatory car insurance in Michigan, you may be fined up to $500, put in jail for a year or both.
If you are unable to show proof of car insurance, thus driving without car insurance, you may be found guilty of a civil violation. The court may order your license to be suspended for 30 days or until you can show proof of no-fault coverage on your car.
You may be required to buy a pre-paid non-cancelable insurance policy before you can renew your car’s registration. To get the car insurance coverage that you need in Michigan, you may start by browsing various insurance company websites.
Cheap Auto Insurance Rates For Used Cars
Reader’s Question:
Do I really need to buy insurance before I buy a used car? I need cheap auto insurance rates for used car, can you help?
Beth
Chesapeake, VA
If this is your first car then indeed you will need to get auto insurance before taking over the ownership of a used car in most states. If you already have auto insurance policy and you are replacing a car on your current policy then the coverage might insure your “new” used car for a few days. You will still need to check with your insurance company and state laws though.
Before buying a new or used car, you need to contact your auto insurance provider to let them know about the car you might buy. They should be able to provide you a quote of what it will cost to add the motor vehicle to your auto insurance policy, which can help you budget for your car purchase. Your insurance company can then let you know when you should call and add the car so it will be covered.
What Causes Your Auto Insurance Rates To Increase?
Reader’s Question:
What are the things or factors that increases your insurance rates other than DUI convictions?
Juliet
Thank you for asking Juliet.
A lot of factors are taken into consideration when an insurance carrier determines your car insurance rates. Below are some of the factors that are being used to determine your premiums:
1. A change in your driving record
2. A claims history.
3. A change in your credit history
4. A change in drivers will affect your rates
5. A change in vehicle or coverages
6. Where you live and the car is garaged (geography)
7. If the use of the vehicle changes from personal to business rates
8. A change in marital status may change your rates
9. A change in occupation may affect rates
A change in any of the above mentioned factors can cause your insurance premiums to also change. Insurance providers underwriting guidelines and rating systems are different from each other so to get information specifically about the reasons your insurance company increases rates you can talk to them about this issue with your agent.
Goodluck!
MariCAR
Cheap Auto Insurance After DUI Conviction
Reader’s Question:
My son received his first DUI in the state of Illinois. I just want to know how it will affect his rates.
Renee
Thank you for asking Renee.
DUI is a serious offense that is considered as a violent crime in Illinois. Your offense may permanently stay on your record if you get convicted for DUI. You may also lose your driving privileges, pay fines and may be imprisoned if you get convicted.
Any type conviction for driving under the influence of alcohol or drugs is taken seriously by an insurers since it makes the individual more of a risk to the company. An individual with a very bad driving record is more of a risk for an insurance company and that is why their rates are normally higher. The whole policy of the driver can be affected by one driver’s DUI conviction and other major traffic violations.
Since your son now has a DUI offense on his driving record, when your insurers finds this out then his rates will likely be raised. Insurance companies have different rating systems so you would need to check from your insurance agent to find out how much may this affect the rates of the policy due to conviction.
A DUI can determine you to high-risk car insurance rates for a period of three years, according to the Illinois Secretary of State. It is also noted that high risk insurance for a person convicted of a DUI averages an additional $1500 per year.
You may shop for a better rate if your son’s policy rate went up due to DUI. You may compare prices from other insurance companies which can give you a cheaper price.
Goodluck!
MariCAR
DUI Auto Insurance Cheap Rate Quotes
Reader’s Question:
I was ordered to go to DUI school for conviction. Will this help lower my insurance premium if I give the certificate of completion to my insurance company?
Sam
Good question Sam.
Typically, taking either a driving class or alcohol class due to receiving a DUI does not really help a lot with your insurance premiums. The DUI school is normally a component of the penalties that you have to attend to, depending on state, and is being ordered by the court after you have been convicted of a DUI, DWI or OUI.
States have different rules and requirements regarding DUI school. Most states mandate that one should attend and complete a DUI course if the individual wants to restore his/her driving privileges, meaning a full license. Some states on the other hand require DUI classes be completed upon any DUI conviction.
You may call your insurance company to get information if they will need a copy of your certificate for completing DUI school. I dont think that this would help lower your premium since the course was due to a DUI conviction and is mandated or ordered by the courts. It is part of the penalty for getting convicted of DUI. Some insurers give discounts for driver safety course so you may check with your current insurance company to check what type of discounts they might have to offer you.
Goodluck!
MariCAR
DUI Car Insurance Rate Quotes Online
Reader’s Question:
My husband has a restricted license because of the DUI. He was driving outside his restriction when crashed to a road hazard. Will the insurance company pay for the damages?
Mikaela
Thank you for asking Mikaela.
This will be determined by your insurance company and is up to them and will depend on the exclusion of the insurance policy that you have.
The typical exclusions on a Personal Auto Policy are the following: policy:
1. committing a high misdemeanor or felony, or trying to avoid arrest by a police officer; or
2. acting with specific intent to cause injury to himself or others.
3. Operating the vehicle without the permission of the owner of the vehicle or insured name on the vehicle
4. War
5. Insurrection
6. Rebellion or revolution
7. Any act or condition incident to any of the above resulting from radioactive, toxic, explosives and other hazardous properties.
Please note however that this will vary on different state so some may not apply to your state.
Your husband should will have coverage afforded unless there are other exclusions listed on the policy. I would suggest that you review your policy to get more information on the exclusions and you may contact your insurance company to verify this information.
Goodluck!
MariCAR
Which Cars Have Cheap Car Insurance Rates?
Do you take into considerations the cost of insurance before you purchase your dream car? Yes of course, you should. The Highway Loss Data Institute determines the cost to insurance companies from collision and injury claims as they relate to cars. The color of the cars, and the number of doors are taken into consideration as well.
The Highway Loss Data Institute is a nonprofit public service organization. It is associated closely with the Insurance Institute for Highway Safety and this is supported by the car insurers. HLDI processes and publishes data on the variation of losses among different kinds of vehicles.
In relation to theft claim, 4- doors have a 93% less chance of having a claim than the 2-door car. If you buy a Buick LeSabre, you will have a relatively no chance of a theft loss and if you compare that to the convertible Chevrolet Corvette , it has 5 times the average of theft rate. Are you also aware that the Toyota Celica has a 67% higher chance of theft than the Toyota Camry?
The 2002 Lexus IS 300 gets a “best pick” rating for its crash tests performance according to the Insurance Institute for Highway Safety , but in previous years , models of the same car has the most costly claims. One of the reason for this is because expensive cars is costly in terms of repairs and replacement.
Models that are among the most expensive for theft claims include:
* Cadillac Escalade four-wheel drive
* Chevrolet Corvette Convertible
* Lincoln Navigator four-wheel drive
* Jeep Cherokee four-dorm 3 series
Remember that the most expensive cars are more costly to insure. So before you buy your dream car, you may want to consider these factors before deciding. Contact your insurance company to get more information on the cost on insuring your expensive cars.
Goodluck!
MariCAR
Instant Car Insurance Quotes in Arizona
Before you start looking for the Arizona car insurance quote, you need to be more specific of what coverage you are looking for. You should know about car insurance and the way it works:
The Tort system is what the Arizona state follows. This means that someone must be found at fault so their insurance company will take care for all the damages. The required minimum liability is often referred to as 15/30/10. This means that the minimum Bodily Liability coverage is $15000 per injured person up to a total of $30000 per accident and the property damage liability coverage is with a minimum limit of $10000.
Some insurance companies may offer a minimum Personal Injury protection although this is just an optional coverage. This helps pay for the medical expenses for you or for any injured passengers. Another optional coverage is the Uninsured/Underinsured coverage. This protects you against bodily injury against uninsured driver.
There’s a lot of places to look for in Arizona for car insurance. You may call each companies to get car insurance quotes. You may also check with your friends and relative to know what their rates are. One of the most convenient way to find auto insurance in Arizona is through the website. You may check the individual company website to get quotes and compare these insurance companies. If you have time you may browse through the top listings a get a good auto insurance in Arizona.
Wisconsin Auto Accident Insurance
Reader’s Question:
Hi. I just want to know what I should do if I get involve in an accident. I live in Wisconsin and I just want to know what to do in situations like that. Thanks a lot.
Andrea
Thank you for asking, Andrea.
It is actually going to be be helpful if you have a camera with you in your compartment to take pictures of the vehicles in the time of the accident including the vehicles and the people involved. This would prove who were the people involved in the accident. Do not be embarrassed doing it. Also make sure that your current proof of insurance is in your compartment also all the time. You are required by the state law that you carry it at all times. Get all the necessary information from the other person or all the persons involved.
Heres what you need to list down:
1. their name address and phone numbers
2. the name of their insurance company
3. the make and model of the car
4. damages to the car that was involved in the accident
You will then need to file an insurance claim, even if the other person was at fault. You must also report the loss to the police if your car was damaged by a hit and run drivers. If you dont have any police report, your insurance company may deny your claim. So make sure you file for a police report.
Goodluck!
MariCAR