Does Carrying SR22 Prevent Someone From Getting CDL License?
Reader’s Question:
I am wondering if carrying an SR22 Insurance prevent someone from getting a CDL License?
Martha
Lafayette, LA
It will likely depend upon the reason that you must carry the SR-22 insurance if you will be able to get a Commercial Driver’s License (CDL). If you are required to carry an SR-22 because of driving under the influence conviction, you may be disqualified from obtaining a CDL for a certain length of time. If you have to carry the SR22 due to something less serious then you may be able to apply for a commercial driver’s license.
You should verify with the Department of Motor Vehicles of the state in which you want to get the CDL to check if you can apply for this type of license at this time with your SR-22 insurance and by telling them of the reason you carry the SR-22. State’s DMVs issue the CDL and have their own guidelines and rules but also must following the federally set guidelines.
Is Auto Insurance Cheaper For New Or Used Car?
Reader’s Question:
I would like to know if auto insurance is more or less for a new vehicle as opposed to an older car?
Kenny
Wilmington, DE
Generally, an old used car will cost less to insure because normally it is worth less than a brand new vehicle. In addition, parts and repair costs tend to be lower for a used vehicle compared to a new car and therefore if the car must be repaired after an accident the expense should be less for the insurance company to fix the used car.
If the new vehicle though is a mid-size family sedan it may cost less than a used Jaguar to insure. So it will depend on the type of the car also as the age of it. Collision-damage costs are also one of the determining factors in differentiating the cost of insuring one type of vehicle over another. If a vehicle is popular to thieves and usually stolen it may be higher to insure, whether it is used or new.
If you are looking for a car to purchase and are trying to decide between a older or new car, you can get an car insurance quote on each car to see what the price difference would be for each to be insured.
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