I need the cheapest car insurance quote comparisons for our SUV and full-sized van. I  was convicted of drunk driving so it needs to be a SR22 friendly company. What information do I need to provide?

Gary

Portland, ME

To get the cheapest car insurance quote for an SUV and a full-sized van, you have to give out vehicle details for both cars. The vehicle details would be the basis for how the cars will be classified. I know it seems unnecessary to classify them since your car dealer has already verified the type, and also with the cars’ previous insurance. However, as you will soon see, there is no one standard in classification in the car insurance business. Each company has its own way of looking at things, so just to be on the safe side, and make sure to have things prepared.

Another way for you to get the cheapest car insurance quote is by pointing out the purpose and use of the vehicles. How you will be using your cars and for how long would definitely affect the actual rates you get for insuring them. If you will be using your car to commute, like driving to work, schools, etc. and you will be doing it every day, then your car insurance would be higher. Commute vehicles commonly meet accidents on the road. Though the main purpose of getting cars is, of course, to get around, car insurance companies would see it in terms of how more likely you will meet accidents on the road, or better yet, how safely you get around. But do not fret. If you list two or more cars on your plan, you should qualify for discounts for it.

My husband got his license suspended because he was caught driving without car insurance, they said the only way to get his license back is through an SR22 car insurance policy, what is that and how do we get one? I dont have a lot of cash to spend, so I need something cheap and just the minimum coverage needed.

Cecily

Columbus, GA

An SR22 is a certificate that is submitted to your state’s Department of Motor Vehicles (DMV) and serves as proof that you are carrying adequate amounts of car insurance coverage and can is financially capable of compensating anyone against injuries and damages you may cause during a car accident. An SR22 form also serves as your state’s way to keep track of those who has had unsatisfactory driving records and behaviors and in a way, assures mutual financial protection for both drivers and citizens that may get involved in a car accident.

Before your husband can facilitate getting his driver’s license reinstated, he must first find a company who is authorized to provide SR22 car insurance coverage. The insurance provider is actually the one in charge of submitting this form to your DMV office there in Georgia. Your husband would also have to maintain the SR 22 car insurance policy for the next couple of years, without any gaps, lapses or cancellations to avoid further penalties and keep your premiums from ballooning.

It would be best to begin your search for the most affordable SR22 car insurance on the Web. This website has a free insurance quote search tool that allows you to get the most up-to-date rate quotes, as well as compare offers and policies from many different insurance providers available.

I heard about this cheap auto insurance policy known as dollar-a-day policy in New Jersey from my friend. With the economic crisis that we are facing right now, I am very much interested in getting this kind of car insurance policy. How can I get it? Are there any kinds of qualification? Can you tell me more about this? How cheap is this car insurance really?

Jasmine

Toms River, NJ

The Special Automobile Insurance Policy (SAIP) or more commonly known as dollar-a-day or is designed to help inadequate car insurance coverage be available to drivers of New Jersey. This auto insurance policy is available to drivers who are qualified for Federal Medicaid plus hospitalization.

This policy provides immediate medical treatment after a vehicular accident and even treatment for serious injuries on the spinal cord and brain. The limit for this is up to $250,000. In addition, it also offers death benefit amounting to $10,000.

This however, does not cover treatment that are considered outpatient like visit of a doctor by Medicaid, damage on another person or property as a result of your fault or even damages incurred on your own vehicle.

As to your question on how much this is, it’s $365, that’ why it’s called as dollar-a-day. This policy is cheaper by $5.00 if you opted to pay upfront. For one time upfront payment it only costs $360.00. Whereas, for two installments, it costs $365 total.

If you are interested in getting this king of auto insurance policy, contact your car insurance agent in New Jersey or the New Jersey Department of Banking and Insurance.

I am 18 years old. At present, I am under my parent’s auto insurance policy. I am curious, is it a must that I am listed under their policy? Is there an option that I could purchase my own auto insurance policy? What if I am going to drive their cars and will be driving my own car too at the same time? How would that work? By the way, I am from Deerfield Beach, Florida.

Bella

Deerfield Beach, FL

If you are going to register your own vehicle, then you can definitely purchase your own auto insurance policy. And to answer your question, it is a common practice among car insurance companies that they list the name of all the persons living in the same household with the policyholder. Generally, insurers do this to make sure they got the name of all possible users of the vehicle/s being insured. So given this, it’s only expected that you will be included on your parent’s auto insurance policy if you live with them.

Additionally, if you will still be using your parents’ car and at the same time you will be using yours, it appears to me that you will still be listed under your parents’ policy too as one of the users of their car/s and also under your own car insurance policy. To know exactly on how you can get you own auto insurance policy, ask your car insurance agent in Deerfield Beach.

I am a new driver with no enough knowledge about auto insurance stuff. I’ve been looking around for different auto insurance policies and I am bombarded with several policies. I am aware of the policies required by California. I just want an advice on whether I should get comprehensive and collision coverage or not? I am from Union City, California.

Chris

Union City, CA

Don’t be so confused Chris. Help is here!

Let me first define what a comprehensive coverage is. If there’s damage on your vehicle that is caused by a non-related vehicular accident like theft, fire, hail etc., then this policy would back you up. It would cover the repair cost on your vehicle depending on the limits you have. On the other hand, collision coverage is like comprehensive. However, this time it would cover you if your car collided with another car. Hence, providing cost for the repair of your car and again depending on the specified limits you have on your auto insurance policy.

Now, you forgot to mention a very important factor that you need to consider in keeping or dropping those policies. How much is the value of your vehicle? If you car’s estimated value is at $1,000 then don’t ever consider getting those policies. Because honestly any future claims that you would be making would never exceed the cost for having those polices.

For additional information about car insurance, ask your auto insurance agent in Union City, California. Since you are looking for car insurance rates, I would suggest checking the websites.

I’ve always wanted to get the cheapest auto insurance for me to be able to save money for other expenses. I think that I pay too much for it, so how can I get the cheapest auto insurance here in MO?

Olsen

Columbia, MO

Auto insurance is required once you register and drive your vehicle. The premiums depend on the kind of vehicle that you own. Auto insurance providers also have different criteria to determine the insurance rates. If you are careless, you may finish off paying double or even triple the premiums that you should pay. Some determinants of the insurance premiums are the kind of coverage, condition of the vehicle, your driving record and how old you are. If you plan well, you could get the cheapest auto insurance for your vehicle in Missouri.

You may either get in touch with an insurance agent or just search the Internet for the best insurance providers. Most of them have websites that would tell you about their different insurance policies. You should be honest in telling them the information about your vehicle and yourself. You must get an insurance quote instantly and you wouldn’t have to wait so long. You must do this with as much insurance providers as possible and you should be able to get the best and at the same time, cheapest car insurance that suits your specific needs.

I was stopped by a law enforcement officer while driving and was asked to show proof of auto insurance at that time. However, I failed to do that because I have no car insurance then. After three hours, I was able to purchase one. I have already sent in the proof that I have car insurance but they told me that I still need to make an appearance before the court. Why should I do that? I’ve already proved to them that I have car insurance after the incident. I am from Plano, Texas.

Patrick

Plano, TX

If a driver is cited for driving without auto insurance or failing to meet the requirement for financial responsibility law but is indeed covered by auto insurance at the time the citation was given, said citation could be dismissed. This can be done if the driver is able to provide proof of financial responsibility which should include the following:

• Contact Information about the insurer including name, address, and contact number;
• Insurance Policy Number
• Effectivity and expiration date of the policy;
• Name and address of the policyholder/s;
• Policy statement/limits; and
• Information on the vehicle (including the make and model of all the cars covered by the policy).

According to Plano Municipal Court, if all requirements were not met, the proof will not be accepted therefore the citation will not be dismissed. As to your question to why you are still required to appear before court, the answer is because you don’t have auto insurance at the time the citation was given. You can only contest the charge and have the citation dismissed if you have auto insurance at the time of the incident. I would suggest you seek legal assistance to help you with the legal actions to be taken regarding this violation.

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

Don

No, there is no grace period when it comes to car insurance generally. If your auto insurance in 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.

I am only sixteen and I would like to know how much car insurance cost should I be expecting?

Miguel

Paterson, NJ

The best way to determine the car insurance costs is to get car insurance quote. You can begin here by typing in your zip code in Paterson, New Jersey.

Different rating factors go into consideration when it comes to your car insurance rate. You need to provide that information when you get car insurance quote form, and these car insurance providers will calculate your car insurance rate based on the information you provided to tell any sixteen year old how much their auto insurance will cost will be. There are a lot of factors that go into a car insurance rate. On the average, a sixteen year old may expect to pay 2.52 x the base rate for their auto insurance. For instance if your parents pay five hundred dollars a year for car insurance, then a sixteen year old may expect to pay $1260 for a year for auto insurance. You need to be rated with all the rating factors to provide an accurate car insurance rate. For instance, in Paterson, New Jersey a sixteen year old may pay 3.2 x the base rate.