Cheap Auto Insurance Coverage for a New Car in Arizona
Reader’s Question:
I would be celebrating my birthday on December, on Christmas day to be exact. My son promised me that as a Christmas and birthday gift, he would buy me a new car. I know that it’s not advisable to buy an expensive car because that would only increase my car insurance premium in Arizona. So I am not considering of getting an expensive car at all. What worries me is the coverage on (my would be) new car. Is there a different auto insurance coverage for that? Or it’s just the same?
Benny
Peoria, AZ
Happy Birthday and Merry Christmas in advance Benny! I bet you’re excited with your new car.
Now, let’s go back to your question. In most cases, if a policyholder replaces an insured vehicle with a new car, his or her auto insurance coverage would be the same on the replacement vehicle. Meaning to say, whatever auto insurance coverage a policyholder has in his/her old car would be the same on his/her replacement vehicle.
In addition, in general, a policyholder is required to inform his/her auto insurance company about the change on the vehicle. The grace period is normally one month or less. So, you are given around a month or less from the time your son purchased the car to inform your car insurance company of the replacement vehicle.
It’s also best that you check your auto insurance policy for additional details regarding your car insurance coverage. Feel free to consult with your car insurance agent in Arizona for more help regarding your inquiry.
Who Else Will Be Covered With My Car Insurance Policy Besides Myself?
Reader’s Question:
I am going to have my new car registered and also have it insured. I’ve already researched and decided on the kind of auto insurance coverage that I would be purchasing. Since I am totally new with car insurance stuff, I’m quite confused with it. I have one question. Once I’ve purchased my car insurance in Minnesota, who would be covered? I know, that it gives coverage for myself but are there other people who would be covered too? I have a wife and a teen daughter, will they be covered by my auto insurance policy?
Ken
Brooklyn Park, MN
I’ve read something about your question from the Minnesota Department of Commerce Auto Insurance Guide. And accordingly, you are covered by your auto insurance policy and also any person/s related to you who is living in your household are also covered. This can be your wife, children (which is your daughter in your case), and other relative who is under your custody and is living with you. However, this is provided that those people do not have their own auto insurance policy.
In addition, any people driving your car, as long as they have your permission to drive your insured vehicle are also covered. Again, this is provided that those people do no have their own auto insurance policy or they are not covered by any auto insurance policy.
For more information about auto insurance coverage in Minnesota, ask your car insurance agent.
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