Reader’s Question:

I am already eighty years old and will my auto insurance company cancel my policy if I get into an accident? I live here in Monroe, Louisiana.

Evans

Monroe, LA

In many states driving record, claims record and age can all be taken into consideration when an automobile insurance provider decides if they want to begin or renew an automobile insurance policy with a potential policyholder or when it is time to renew the auto insurance policy.

I suggest that you check what your state allows with regards to age, insurance carriers and accidents information with your state’s insurance regulatory body in Monroe, Louisiana.

In some instances an insurance carrier may not choose to renew your auto insurance policy (regardless of teh age) if you have more than one at-fault accident in your motor vehicle record. If you have three or more accidents, regardless of who is at fault, the car insurance carrier may decide not to renew your auto insurance policy. An insurance carrier may not renew for claims history, regardless of incidents. Some insurance carriers will require a doctor’s statement for drivers over the age of 75.

Tags: auto insurance, car insurance, senior car insurance

Reader’s Question:

If I have a bad credit will that increase my car insurance rate in Brownsville, Texas?

Ben

Brownsville, TX

A bad credit record puts you in a category of motorist who file car insurance claims more often than the rest of people who have a good credit record, and since that adds more risk onto you already very risky SR22 insurance policy in Brownsville Texas, then you are likely to have some car insurance rates which are very expensive at first and you will also likely have trouble getting automobile insurance at all.

If you are looking to get cheaper Brownsville SR22 car insurance rates, then you need to work on improving your credit record. Heres what you need to do:

1. in order to get rid of your bad credit history, you will have to get any items that are not accurate on your credit record be removed from your credit report, and then you will have to pay off what remains;

2. Start building good credit standing, by applying for a credit card, then paying it all off every month.

I am sure that once you start paying off your debt to improve your Brownsville SR22 rating, it is essential to begin paying off the debts.

Tags: auto insurance, sr22 car insurance

Reader’s Question:

I do not have my own automobile but I was told that I need to buy an sr22 car insurance coverage in Indianapolis, Indiana. What is that?

John

Indianapolis, IN

Generally an SR-22 is required of a motorist after they are convicted of traffic or moving offense of the law and especially at the time the motorist wants to have their drivers license reinstated after suspension or revocation.

If the state is not requiring you to acquire an SR22 insurance, you do not need to buy an SR22 insurance policy. If the state is requiring that you to acquire an SR22 insurance as a condition of your license being reinstated whether you are the car owner or the driver. The SR22 is used to show that you will have financial responsibility if you are going to drive an automobile.

If you do not own an automobile and are required to acquire an SR-22 insurance you should be able to obtain a non-owner SR-22 insurance policy in Indianapolis, Indiana.

I suggest that you may contact your states Department of Motor Vehicle to obtain more information if you are required to get an sr22 financial responsibility certificate or not.

Tags: auto insurance, non owners insurance, sr22 insurance

Reader’s Question:

Help! I no longer have auto insurance. My name is Belle, I’m in Burbank,CA, and my driving days are numbered. Is there life after auto insurance cancellation? What happens next?

Belle

Burbank, CA

You did not mention why you no longer have auto insurance. Was it cancelled? What was the reason? Non payment? Did you not renew it? Anyway, to answer your question: There is life after cancelled auto insurance. Have faith. I can think of a few reasons why an insurance policy can get cancelled or refused renewal: license expiration or suspension or revocation, failure to pay premium on time, or failure to fully disclose facts about your driving and claims history to the insurance company. When an insurance policy gets cancelled, you usually get a few days, usually between 10 to 30 days, before the insurance gets completely cancelled. So hopefully, you won’t have to drive without insurance. The insurance company would usually give you the reason for the cancellation, so try to avoid it/those next time.

As I said, there is life after cancellation. You can still apply for insurance. If the reason for the cancellation is late or non payment of premium, you may still try to have the policy reinstated. That’s usually easier or cheaper than getting one from a different auto insurance company. Of course, getting insurance policy from another company is an option. Generally, your policy premium will be higher, if not painful, from now on. Look around Burbank, CA. Take heart. You’ll find the insurance company that’s right for you.

Tags: auto insurance, Car Insurance Company

Reader’s Question:

I am trying to get cheap auto insurance in Parma Ohio OH but the agent I have spoken to did not elaborate on the types of auto insurance. Can you help me instead?

Xavier

Parma Ohio OH

Well, if I were you, Xavier, I would have gone to the next insurance agent I see. Nowadays excellent customer service is the name of the game and the agent you have talked to should have known this. All I’m saying is, don’t lose faith in insurance agents, I personally know some from Parma Ohio OH and I can vouch for their respect for customers.

So to answer your question, there are different levels of coverage for auto insurance, and all will be readily available in Parma Ohio OH. To look for them, you just take the quick quiz on this page which gives free quotes for you. The first level of coverage, and I guess you can call this the bare minimum because this is what’s required in most states is liability insurance. Liability insurance makes sure that you have a mechanism to pay another party if you have caused injuries and damage to their property if you are in collision with them. The second type of coverage is for you and it is called collision coverage. It pays for the damages and injuries you might have, even though you are at fault. The third, and most ideal is comprehensive coverage, which covers liability and collision, and even non-accident related damages such as theft.

When you do take that survey, bear in mind what level of coverage you want. Or if you haven’t decided yet, why not get free cheap car insurance quotes for all three insurance types and decide later?

Tags: auto insurance, car insurance cost, car insurance quotes, cheap auto insurance

Reader’s Question:

What’s a good way to lower my auto insurance premiums here in Erie Pennsylvania PA?

Mary Ellen

Erie Pennsylvania PA

Hi Mary Ellen, it may be a good idea to start with the minimum required coverage prescribed by law here in Erie Pennsylvania PA; perhaps choose the limited tort option or consider lowering the medical benefits to the minimum limit of $5,000. You can also remove income loss or funeral benefits if you already have a separate life insurance policy. You can also ask about special discounts on group insurance that may be offered by the company you work for. Ultimately, though, doing all of the above will not lower your auto insurance premiums if you drive recklessly or if you frequently use your car for out of town trips – driver history and car mileage may carry substantial weights in the determination of your auto insurance premiums.

Why don’t you ask for free quotes to find out exactly how low you can go on the insurance premiums from insurers in Erie Pennsylvania? Just type in your zip code on the form above. As you continue to chop off what you consider “non-necessities” on your auto insurance coverage, I suggest you make a conscious effort to note the consequences of foregoing these options and add-ons. You certainly don’t want to be sorry later.

Tags: auto insurance, car insurance quotes, cheap auto insurance

Reader’s Question:

What exactly is gap insurance? I already purchased collision and comprehensive car insurance here in Erie Pennsylvania PA. Do I have to purchase gap insurance as well?

Jasmine

Erie Pennsylvania PA

Hi Jasmine! Did you purchase your car through a loan in Erie Pennsylvania PA? Are you still in he process of paying off your car loan? Is your car leased? If you answered yes to any of my questions, then it may be a good idea to get gap insurance as add-on to you comprehensive auto insurance.

If you bought the car on loan, gap insurance can be pretty handy during the years that you’re still paying off the loan. As you well know, the value of your car depreciates over time as a result of regular use, wear and tear. In case you accidentally total the car or if it’s stolen, your collision or comprehensive auto insurance will pay for the actual, depreciated value of the car. This is expected to be less than your original loan amount from the bank. Gap insurance will cover this discrepancy. Consequently, you no longer have to keep paying for what you have already lost.

If the car was merely leased, in the first place, the same usually applies. The only difference is that it is the leasing company, rather than the bank, which will demand for the full payment.

To learn more about gap insurance and how much it costs in Erie Pennsylvania PA, you can key in your zip code in the form to get free quotes. Getting this from at least five different companies should be a good start.

Reader’s Question:

I’m considering leasing a car for the duration of my two-year work contract in Arlington Virginia VA. Do I also need to pay for insurance if I do that?

Daniel

Arlington Virginia VA

Hi Daniel! It seems that leasing cars is fast becoming a trend – and why not? You get to drive those fast and flashy cars at the fraction of the cost to buy them then you get to change cars every so often without having to worry about selling or trading back the old car. You will also be covered by manufacturer’s warranty the whole time that you’re using it – no need to worry about expiry dates.

However, you DO need to get and pay for your own auto insurance. In fact, the auto dealer or person in Arlington Virginia VA who leased you the vehicle may require collision coverage and comprehensive auto insurance, more than what you may require for yourself if you owned the vehicle. Collision coverage will pay for damage to the car in case of an accident with another vehicle, structure or object while comprehensive coverage will take care of damage from all other types of accidents and theft.

Just to be sure, you may want to verify if Virginia insurance laws require any other specific forms of insurance in Arlington Virginia VA (i.e., such as liability and gap insurance) by typing in your zip code in the space provided in this site.

Tags: auto insurance, auto insurance premium

Reader’s Question:

Is it true that a person’s zip code and physical address affect the car insurance rate? If it does, then in what way? Can someone explain this to me? If it would help, I am from Lake Charles, Louisiana.

Charlie

Lake Charles, LA

Every state law differs from each other so as auto insurance rates from every car insurance company. Although, state law has control on auto insurance rates, car insurance companies have also the right to set their own guidelines that they follow regarding auto insurance price.

However, in general, most auto insurance companies do consider a person’s location in setting their rates. Let’s take this scenario as an example. If you live in an urban area, then that means they are more people living in your place thus more cars likely to be driven on the roads. More people and more cars only mean higher chance of getting involved in car accidents. Higher chance of getting in car accident means higher chance for auto insurance companies to cover for the damages and claims likely to be incurred.

But, you must also remember the zip code or address or location alone does not merit a higher car insurance rate. There a lot of factors that car insurance companies consider like your driving history, claims history, driving patterns, age etc.

For additional information for other factors that affect car insurance rates in Lake Charles, Louisiana, it’s best to ask your car insurance agent. If you are shopping for car insurance, use this website.

Tags: auto insurance, car insurance discounts, car insurance online, car insurance rate

Reader’s Question:

Is there some kind of a grace period after a your car insurance has been cancelled by the insurance provider in Northeast Cobb, Georgia? Do these insurance providers have to notify policyholders through certified mail that the policy has been cancelled?

Don

Northeast Cobb, GA

No, there is no grace period when it comes to car insurance generally. If your auto insurance in Northeast Cobb, Georgia has been canceled then there is no extension of that policy or coverage.

According to the Office of Insurance for Georgia a certified letter is not required. Your payment notice typically can also be your cancellation notice since on there it shows that your auto insurance policy will cancel at a certain time and date if you do not pay before that certain date.

According to the Georgia Department of Revenue if you plan on removing insurance off on an automobile you may voluntarily terminate your automobile registration with your County Tax Commissioner’s office without surrendering your license plate if the automobile is not going to be used. Keep in mind that you need avoid any lapse and reinstatement fees from being charged, you need terminate your car registration before terminating your car insurance.

Tags: auto insurance, Car Insurance Company