I may just opt to buy SR22 auto insurance online because I think it’s much easier but I don’t know if it’s secured. Also, would it be less expensive than getting my coverage through an insurance agent here in Alaska?

Caleb

Anchorage, AK

Getting SR22 auto insurance online could be less expensive than getting your coverage through an auto insurance agent. Auto insurance companies offer more discounts when you purchase your coverage online since their expenses would be less. They don’t have to spend too much money on advertising and brochures since they can market their products online. Because of that, they pass along their savings to their customers, thus you can be offered less expensive auto insurance quote. Also, you don’t have to bother waiting forever for someone to answer your auto insurance questions.

If you go to an auto insurance comparison Website, you can get multiple auto insurance quotes from different reputable auto insurance companies. This way, you have a lot of choices to go over with carefully to find the auto insurance quote that best suits your needs. Just remember not to compromise the price for the auto insurance coverage. When comparing auto insurance quotes online, you can do this in a matter of minutes.

The privacy would be preserved because every auto insurance company has privacy terms that they abide to. The auto insurance quotes being offered come directly from these insurers. Get moving and start saving by comparing auto insurance premiums in Alaska.

I have an insured vehicle in Massachusetts. But because of my health condition, as of the present, I am not allowed to drive yet. Now, my sister is using my car. However, she is not named on my auto insurance policy. My question is, if my sister got involved (and I hope she won’t) in an accident would she be covered by my auto insurance company? Also, if she has a traffic violation using my car will it be put under my name? With that, will it cause my auto insurance rate to go up?

Lea

Haverhill, MA

I wish you good health Lea.

Now going back to your question, in general, auto insurance companies only cover a person if he/she is listed as one of the driver’s in your auto insurance policy. Since you’ve mentioned that your sister is not listed on your car insurance policy, then I am afraid but I think she is not covered by your insurer.

In addition, if she is cited for a traffic violation, you don’t have to worry because it will not affect your driving record at all. Said violation will be listed under your sister’s name. So with this, your car insurance rate will not go up because it is her traffic violation not yours. However, if you decide to file for a claim because there was a damage incurred on your vehicle because of your sister’s action, then your auto insurance rate might go up. This is because claims history is usually one of the factors that affect car insurance premium to increase.

To better help you with your inquiry, it is best to ask your car insurance agent in Massachusetts.

My name is Martin. I’ve lived in Amarillo, TX for 57 years. I own a Citroën Traction Avant. Of course, I never really use it. But my question is: Why is the auto insurance premium rate so expensive when we vintage car owners take care of our cars really well?

Martin

Amarillo, TX

True, Martin, vintage car owners are fiercely protective of their car and take care of their vintage car really well. However, the auto insurance companies will not just look at the way you take care of your car. They will take into consideration, since they’re going to insure the car, the cost of repairing the car and the maintenance of its parts. Vintage car owners seldom drive their car around Amarillo, TX. They would only do so for automobile fairs or exhibitions. The concern here is that a minor dent or damage to a vintage car like your Citroën Traction Avant, for example, is so costly compared to modern expensive cars. Moreover, car parts store for vintage cars are not easy to find, and that is the primary reason why the parts are so expensive in the first place. Although the internet has made vintage car parts acquisition easier, it is still not enough to allay the concerns of auto insurance companies. And you really need to insure your car even if you don’t use it so much. The fact that the car is functional and you drive it once in a while to go to car shows mean that your Citroën Traction Avant can cause damage to other people and properties.

I just recently purchased car insurance in Bismarck, North Dakota. I am just wondering on how the payment works. If let’s say I failed to pay the premium on the date it’s supposed to be paid like on its due date, will I be given a grace period? Like some number of days before it is terminated? Or will my auto insurance policy be terminated right away?

Thaddeus

Bismarck, ND

Auto insurance policies are not like cable bills that gave you the chance to pay after the due date. It does not give you a certain period of time before it gets terminated. So with this, the answer to your question is that unfortunately there is no grace period given to policyholders.

According to the North Dakota Insurance Department, if the payment for the car insurance premium is not received by the insurer on the due date or the date included on the car insurance bill, the car insurance policy is terminated automatically. However, the good news is that there are some auto insurance companies that give a policyholder the so called “grace period”. However, if I were in your position, I would not rely on that “chance”. Getting a car insurance policy terminated because of non-payment is never a good thing to have on your credit history.

For more information about auto insurance termination consult with your car insurance agent in Bismarck, North Dakota or ask the ND Insurance Department.

What is the meaning of “graduated licensing” law; is it enforced in OH and what does it mean in connection to my auto insurance premium?

Lee

Cincinnati Ohio

Hi there, Lee

Cincinnati Ohio has what is called as the “graduated licensing” law for teenage drivers. This is the different stages in teenage driving to allow them to obtain experience gradually by having them drive under low risk environment and eventually having the experience increased to more difficult conditions. In Cincinnati, Ohio OH, this “graduated licensing” period begins at the age of 15.5. This phase will give parents with teenagers a chance to prolong the period of having to be charged with auto insurance premiums. Auto insurance companies in the state of Ohio allow parents to list their adolescents under their auto insurance policy without any additional auto insurance premium. Auto insurance premiums will start after their teenage son or daughter has already obtained their driver’s license. Also note that auto insurance policies wherein adolescents are included or auto insurance policies for adolescents alone will definitely have higher auto insurance premiums than any other kind of auto insurance. There are two stages of “graduated licensing”, the learner’s stage which has the minimum entry age of 15.5 and the intermediate stage which has 16 as the minimum age. In the state of Ohio, the learner’s stage is required to have 50 hours of supervised driving with 10 hours during night time. For the intermediate stage, 16 year old teens are prohibited to drive alone between midnight and 6 in the morning and 17 year olds are not allowed to drive by themselves from 1 a.m. to 5 a.m. Adolescents in the intermediate stage are also allowed to have no more than one passenger in the car when driving.

You can get free quotes for auto insurance of Ohio in this site. With this quotes, you will be able to evaluate how much it would cost you to buy the needed insurance.

My dad has a car that is quite old. I would like to know how old is a car before it is considered classic? If I’m not mistaken my dad’s car is 20 years old. Also, can you give me tips on what to consider in getting auto insurance policy for classic cars? I live in Allentown, Pennsylvania.

Brenda

Allentown, PA

Classic car definition varies depending on who is defining it. As per the Classic Car Club of America (CCCA), classic car is defined as a car manufactured between the years of 1925 to 1948. On the other hand, majority of car insurance companies define classic car as no less than 15 years of age or 20 years and beyond, this depends though on the state you live in. The Pennsylvania Department of Motor Vehicles (DMV) defines classic car as a motor vehicle manufactured not less than 15 years and has been maintained and/or restored in a condition that significantly meets the manufacturer’s requirement and appearance.

Following are some of the tips that I could give you when getting auto insurance policy for your dad’s classic car:

• Insure your classic car for the amount you and your insurer agreed and not on the actual or stated value of your car;
• Remember that agreed amount means the real market value of your classic vehicle during the time your auto insurance policy is written;
• Said agreed amount can be altered through endorsement;
• Whenever you renew your car insurance policy, agreed amount must be changed to indicate your car’s current value in the market and;
• Make sure to have a picture of your classic car, including but not limited to all four sides of your vehicle and also the interior, this is for appraisal purposes.

If you are looking for auto insurance companies that offer coverage for classic car, I would suggest asking your car insurance agent in Allentown, PA. You can also choose to use our website for faster results.

My cousin received a traffic ticket while driving in California. She was advised by her boyfriend to pay more than the amount of the ticket so that her auto insurance company in Alameda, California will not settle this incident. According to her boyfriend, with this violation not being settled, her car insurance rates will not go up. Is there any truth on that?

Charlene

There is absolutely no truth on that. This scenario is one of the popular car insurance myths. Let me explain to you first how this myth works.

They say that if a person pays too much on his or her traffic ticket then the court would not be able to close out the traffic. Therefore, the policy holder’s auto insurance company would fail to see that it has been on your record for some time.

Another version of this myth is if a driver pays a dollar more than the actual fine to the court, then the court would have to send a refund for the extra amount the driver paid. And the driver should never cashed out the refund so it will not reflect on his or her record since the transaction is not yet finalized. This violation will only be closed, once the court has a record of the driver paying for the said fine, meaning to say, the driver had already settled the exact amount due. And on this case, the driver cashing out the refund for the extra amount he or she paid.

However, the truth about this is no matter how much you pay more on your fine would never affect your traffic offense in any way. It will still be recorded thus your cousin’s auto insurance company will still find about the violation. As to your question if her auto insurance rate it will go up, I’m afraid it might. However, she still needs to ask her auto insurance agent in Alameda, CA because that still depends on her insurer company’s guidelines. If she sees an increase on her auto insurance rate, then I would suggest she start looking for new auto insurance companies. She can do that by checking our website for auto insurance premium.

I cannot live without my cell phone. So, I’m using it almost all the time. While driving around Albany an officer stopped me and gave me a ticket for using a cell phone while driving. I am going to pay the fine but worries me is that are there any points involved with this violation? Will it affect my car insurance rate?

Paola

Albany, New York

You don’t drive and use your cell phone in New York because that is against the law. NY State Law does not allow anyone to operate a moving vehicle and use a mobile phone at the same time. If you are caught with this violation you will be asked to pay a fine of not exceeding $100 and mandatory surcharge amounting to $50.

But there are exemptions on this rule. You are allowed to use your cell phone while driving for emergency purposes only like calling 911, police, fire, or calling for medical assistance.

This kind of violation is not regarded as a probationary license violation. The NY Department of Motor Vehicles (DMV) does not assign any point violation on your driving record. So to answer your first question, there are no points associated with this violation. Regarding your car insurance rate if it will go up, that you need to ask with your car insurance company in Albany, New York. However, in general auto insurance companies do not increase their rate after a minor violation like this. But succeeding violations may lead to an increased car insurance rate.

I really have a bad driving record. I am 26, and I have totaled 3 vehicles. The first two were when I was a teenager. The last accident was a little over 3 years ago.At that point, I canceled my auto insurance policy after the insurance provider paid for the loss, because I no longer owned a vehicle. I have a lot of questions about auto insurance. I still have 3 insurance points. If I have my name on a joint title of a vehicle with my girlfriend, do I have to carry insurance on myself? I live in NY.

Taylor

New York, NY

First of all, if your girlfriend’s name is on the title with your name, she should be able to take out a policy for the vehicle. Depending on whether you will be driving the car or not, some insurance carriers will permit you to be excluded from the policy. If you are specifically excluded from operating a vehicle in New York, you will NOT be covered if you drive the car. As for your driving record, some insurance providers only look for infractions over the last 3 years. Some insurance carriers look at the last 5 years, and some carriers look at the last 7 years. Also, insurance providers tend to reward people for prior insurance opposed to punishing people for lack of prior car insurance.