I have my teenager listed on my own car insurance policy in Phoenix, Arizona. He reared a brand new mustang and we had to make claims from our insurer. Will my car insurance rate go up upon renewal if my policy should expire?

Tom

Phoenix, AZ

That is one big crash to your bank account if you didn’t have car insurance policy in Phoenix. Your insurer must be in a bad shape after paying for the damages on that mustang!

For most insurers, accident rate of listed drivers will definitely affect car insurance premiums. In fact, being accident prone and high probability of road accidents for teenage drivers is reason enough for your premiums to get raised by your car insurer in Arizona.

You might experience irreversible results for now on your car insurance premium’s possible increased rates because of that accident. However, you can always ask the insurance regulating agency in Phoenix, AZ to check if you are not overcharged if any increase happens. Your insurer in Phoenix will be more than happy to explain to you their rating system.

A good way too for you to check if your car insurance rates are reasonable is to shop around for free quotes online. You can get good quotes from around Arizona through this website and I think it is wise for you to do that. Once you submit your zip code, you will be given a comparison chart for local insurers in your area who can give you some free quotes. Once you have those quotes, simply compare that to the probable new rate you might be charged by your present insurer and see if you are not charged too high.

I hope your car insurance rate would not increase as much!

Tags: auto insurance online, car insurance quotes, car insurance rate, teen insurance

What is standard auto insurance?

Michelle

Houston, TX

Standard insurance is car insurance that one can get through the voluntary insurance industry at a preferred rate.

To help explain standard insurance I will define non-standard car insurance. Non-standard car insurance is an insurance for those motorists whose underwriting experience makes it hard or impossible to get insurance at standard or preferred rates, but who are acceptable risks to certain insurers at a higher premium.

In the standard insurance marketplace there are a lot of variations in insurance rates. Shopping is the best way to find the best insurance rate with the best protection.

If someone gets a speeding ticket in New Jersey, is it necessary to let the insurance carrier know about it?

Arthur

Newark, NJ

When someone receives a speeding ticket in New Jersey, generally, you do not need to inform your insurance provider in NJ or other states. This is because the next time the insurance carrier pulls your motor vehicle record (MVR) the ticket will likely show up and therefore make the insurance company aware of your citation.

The insurance providers can run your MVR at any time but normally it is checked when you begin a new policy, make changes or are up for renewal.

How many years back do you have to go when providing driving history for auto insurance quote?

Arnold

Atlanta, GA

The number of years that an insurance companies will check at your driving history or the amount of years in which you will have to give information on your driver’s history in Atlanta GA to an insurance company will differ depending upon both state laws and the internal guidelines of an insurance providers.

In Atlanta Georgia many years leave the “look back” period up to individual insurance provider. Insurance carrier tend to look back at your motor vehicle record (MVR) for either 3 to 7 years. When applying for a car insurance policy you will need to provide information on your driving history for the time period the insurance company requests. If you give incorrect information it will then affect your auto insurance quote.

To verify if Georgia has any laws regarding how many years back a car insurance provider can look to check insurance rates, you may contact your state’s insurance regulator.

I currently have a G2 license and I have insurance under my parent’s policy in Boston, Massachusetts.. If I decide to operate someone else’s vehicle am I still covered? I need help.

John

Boston, Massachusetts (MA

Normally yes, if someone allows you to borrow their vehicle you will be covered under their car insurance policy in Massachusetts.

From most insurance providers, if you use your friend’s car with permission, and you are not named on their insurance policy, your friend’s coverages should still apply, thus are in effect.

Your friend should know that if you get involved in an accident, this may affect your friend’s auto insurance premium and policy coverage though.

Generally it appears that your friend’s insurance should be extended to you when you borrow their vehicle in MA but, I still suggest that your friend speaks with their specific auto insurance company In Massachusetts to make sure that their insurance policy and coverages would extend to you if you do decide to drive their car on occasion while you have your G2 license.

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.

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.

Do I really need to buy insurance before I buy a used car?

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.

Comment: I think this is a super question to inquire about your teen driver. At 17 years of age this teenage driver can not legally enter a contract since they are not considered an adult. I would assume that most teenage drivers would be considered “safe” drivers they are still not old enough to sign the insurance contract.

I would also assume that most insurance companies would require a parent and or a legal gaurdian to sign the contract and to be financially responsible for the vehicle and the driver’s actions.

I would start off your investigation by making a few phone calls the local insurance carriers in your area and get their opinion on this question.

I really do not see why you could not get decent coverage for your teen driver, but a better question might be are you going to be able to afford this type of coverage?

You might also want to contact the Dallas car insurance bureau or DMV to ask them if there are any restrictions for obtaining Dallas auto insurance in your area or specific situation.

I think this is a super question to inquire about your teen driver. At 17 years of age this teenage beginner driver, can’t legally enter a binding contract since they are not considered an adult. I would also guess that most teenage drivers would be considered “good” drivers they are still not old enough to sign on the dotted line of the contract.

I would also assume that most vehicle insurance agencies would also require a parent and or a legal gaurdian to sign the contract and to be financially responsible.

You might want to start off your investigation by making a few phone calls the local insurance carriers in your immediate area and get their opinion on this question.

But I really do not see why you couldn’t get coverage for your teen driver. A better question to ask my be are you going to be able to afford this type of coverage?

You might also want to contact the Atlanta GA car insurance bureau or DMV to ask them if there are any restrictions for obtaining car insurance in Georgia.