Reader’s Question:

I need simple and easy to understand tips on how to save on my mom’s car insurance premium. I am a teen driver and I’m about to get my first car. I am under my mom’s auto insurance policy. I don’t need technical terms so I guess what I really need are just plain simple lay man’s term that I could understand. By the way, I live in North Las Vegas, Nevada. Thank you in advance.

Roberto

North Las Vegas, NV

To make things easier I would just give you just 3 simple ways on how you can save on your mom’s auto insurance rate:

First, type of car. Tell your mom not to buy you expensive car because it’s expensive to be insured

Second, don’t go out partying but instead study hard. If you go out every night you have higher chances of being involved in accidents. Also being a good student qualifies you for a discount on your mom’s auto insurance rate.

Third, don’t use your car everyday but instead learn how to commute. With this, you also decrease the chance of being involved in car accidents and can avail of discount for low mileage drivers.

There, three simple ways which I know you can very well do. For more information on how you can save on car insurance don’t hesitate to ask your car insurance agent in North Las Vegas, Nevada or also check this website for more useful information.

Tags: teen car insurance, young driver insurance

Reader’s Question:

My girlfriend told me that I need to check from time to time my driving record to make sure all information is correct. According to her, it’s very important that I maintain a clean driving record to avoid an increased on my auto insurance rate. How do I request for a copy of my driving record in Niagara Falls, New York?

Paolo

Niagara Falls, NY

There are several ways to get hold of a copy your Department of Motor Vehicles driving record. Let me just give you the common methods that people used.

First, is through the New York Department of Motor Vehicles (DMV) website. All you need to have is an internet connection and a credit card. However, you can only choose to do this if your address has not been changed. Your record will arrive in two weeks time through mail. Search fee amounts to $10.

Second, you can also order through telephone. If you are from area codes 315, 518, 585, 607, and 716 call 1-800-225-5368. On all other area codes you can call 1-518-473-5595. Total fee to be paid is $15 ($10 for search fee and $5 for processing fee).

Third, is through mail. The form MV-15 can be used to order your DMV record. Fee for this is $10. There is an address listed on the form wherein you can send the needed information like photocopy of your proof of identity and money order or personal check.

For more information you can always check with the New York DMV.

Tags: auto insurance, auto insurance quotes, car insurance online

Reader’s Question:

I am moving to South Aurora, Colorado in a month from now for my new work. I just wanna know, will I be required to purchase auto insurance in Colorado? If I don’t have car insurance policy and I was caught driving will I be put to jail?

Maria

South Aurora, CO

Congratulations on your new job Maria!

The state of Colorado follows the 25/50/15 car insurance system. This means the minimum required limits would be: $25,000 for every person to cover for bodily injury, $50,000 for every accident to cover for bodily injury; and $15,000 for every accident to cover for damage to property

I am not aware if you would go to jail if you are driving without auto insurance in Colorado. However, what I know is that, if you are caught driving without car insurance in, you will be fined $500. This only applies if it’s your first offense. In addition, there would be a 4 demerit points on your driving record. Having this violation alone would mean a very high car insurance rate for you once you purchase one. For second time offenders, the fine would go up to $1,000 plus suspension of your license for four months. For third time offense, fine is still $1,000, licenses suspension for 8 months, and you may be asked to do community service for a total of 40 hours.

If you are having a hard time looking for car insurance quotes, you could try using this website. Just enter your zip code and you’re good to go. You’ll get so muh information about auto insurance rates in South Aurora, Colorado.

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

Reader’s Question:

I have an unregistered and uninsured car. I am not using it. I am wondering if I can park it anywhere. If I do, will that be ok? I still don’t have auto insurance because I’m still checking on different car insurance companies. I live in Highlands Ranch, Colorado.

Miguel

Highlands Ranch, CO

I am quite confused with your question. You said you don’t use your car, if you don’t then I am wondering why would you park it anywhere? I assume that if a car is not used then it will stay in your parking lot all the time.

But just to answer your question, from my own opinion I don’t think parking your unregistered and uninsured car anywhere is a good idea. Most especially if you park it in a community parking lot because it is a public place, then the law enforcement officer can either issue you a ticket or much worse your car be impounded.

It would be best to have your car park in your own parking lot. And please make sure you do not drive around with an unregistered and uninsured car. Because if I am not mistaken, if you are caught driving without auto insurance you could be fine as much as $500, have it on your driving records and worse a higher insurance rates awaits you.

If you are looking for car insurance rates in Highlands Ranch, Colorado, I would suggest entering your zip code here. That’s how I got mine. Enjoy shopping!

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

Reader’s Question:

I heard from my boyfriend that if I am going to purchase auto insurance in Anchorage, Alaska, there would be two parts on the car insurance contract itself. I am just curious, what does the first and second part say? How are they different?

Brisa

Anchorage, AK

Yes, your boyfriend is correct. Car insurance policy has two parts - first is the declarations page and the second part would be the contract itself.

The declarations page includes the name of the policyholder, the car insurance company’s information like its name and address, and details about the car insurance policy. This also includes the limits for each policy purchased by the policyholder himself/herself. Meanwhile, the second page that includes the contract itself, states the rights and responsibilities of the car insurance company and the policyholder.

As a policyholder it is very important to make yourself aware of the polices included in you car insurance. You can always contact your car insurance agent to better clarify things or if you are looking for car insurance rate in Anchorage, Alaska you have the options to use our website. All you need to is to enter your zip code.

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

Reader’s Question:

I just moved here in Cheyenne. I’d like to know, what are the basic car insurance requirements in Wyoming? Is required to purchase auto insurance here?

Alice

Cheyenne, WY

Yes, you are required to purchase auto insurance in Wyoming. And not having car insurance while driving and getting caught means paying for fine, having your licensed suspended or worst, your car being impounded.

There are different auto insurance requirements in each state. For car insurance industry wide, the recommended coverage for bodily injury is for at least $100,000 for every person and $300,000 for every incident of vehicular accident.

The Wyoming state law requires every driver to obtain car insurance that meets the following qualifications:

For liability coverage, minimum requirement is:

* $25,000 per person for bodily injury;
* $50,000 per accident for bodily injury; and
* $20,000 per accident for property.

There are also different policies that you can avail; depending on what you think is best for you. Liability insurance for example covers bodily injury and damage to property. Medical policy on the other hand only covers medical expenses from vehicular accidents. In addition, comprehensive policy covers damage an insured river’s car from non-vehicular accidents, for example hail, storm fire etc. If you are shopping for auto insurance rates I would suggest using our website to find affordable car insurance rates in Cheyenne, Wyoming.

Tags: auto insurance, car insurance online, car insurance rate, young driver insurance

Reader’s Question:

Do traffic violations, accidents, or bad driving record affect the rate of car insurance? I am just curious because I’ll be driving soon and I just wanna make sure that my dad’s car insurance rate will be at an affordable cost once he added me under his policy. Thanks in advance. I am from Birmingham, Alabama if that would help you.

Jenny

Birmingham, AL

Yes. It always makes your premium go higher and higher. It depends though on what kind of traffic violation you get into. So, let’s consider some scenario.

I have a niece in Birmingham, Alabama who was caught driving more than the speeding limit. After paying all the things she needed to pay and enrolling in a defensive school to remove the ticket, she was told to keep a clean driving record within the year. But unfortunately she did it again. She committed the same traffic violation within that same year, then her car insurance rate would went up to 50%-150%. In addition, if you are caught speed driving with 20 miles or more, it’s already considered as reckless driving, so that would mean paying even more than what you could imagine.

Now, lets consider being involved in a vehicular accident. Regardless of whose fault it is, it will result in paying for higher premium. Having several accidents in a year would definitely make your premium to go up and up. If you are engaged in an accident and you’re at fault, then that would mean paying for sky rocketed premium - it can double or even triple your rate.

Lastly, driving while intoxicated (DWI) is the worst nightmare an insured driver could ever have. This involves thousands of dollars for court fees, alcohol fees, lawyer fees etc. Also, this would result in an increase to your auto insurance rate to about 200% - 500%.

I just wanna emphasize though that those figures are case to case basis. It still depends on your car insurance company on how much increase they would give you on your car insurance rate. Always be careful while driving on the road, that’s the best advice I can tell to every driver. It pays to be careful and it will definitely save you not a lot of money but also your life.

Tags: car insurance discounts, car insurance rate, teen car insurance, young driver insurance

Reader’s Question:

I have an 18-year old daughter who has a registered car under her name but still under my car insurance policy. If she is involved in a vehicular accident and she is at-fault and the damages incurred are beyond the limits of my auto insurance policy, will the other party have the legal rights to run after me? I mean, since I am the owner of the car insurance coverage or will they run after my daughter? We are from Arden-Arcade, California.

Bridget

Arden-Arcade, CA

Insurance laws differ from every state. But since you live in California and you are the policyholder, I would suggest to check with you car insurance agent in Arden-Arcade, CA to clarify the specific details of your car insurance policy. You can also seek legal assistance to further help you with your question.

But just to give you some idea, what I know is that if your daughter is under 18 years old, your parental liability would be more since she is considered as a minor as compared when she reached 18 years of age.

According to parental liability law in California, parents or guardian are to be held responsible for any damages resulting from minor vehicular accident in an event that a minor is involved in such accident. This depends though if said minor’s license was signed by his/her parent or guardian.

Tags: auto insurance quotes, teen car insurance, young driver insurance

Reader’s Question:

My boyfriend will be moving to Honolulu, Hawaii this month. He is a very careful driver and has been maintaining a very clean driving record from the time we’ve met. He’s asking me so many questions about car insurance law in my home state since he would like to keep his clean driving record as it is. I know so little about car insurance here. Can anyone help me?

Jasmine

Honolulu, HI

Hawaii is one of the 13 states which is considered a no-fault state. Meaning, if a person is involved in an accident, regardless of whose fault it is, that person’s auto insurance company automatically pays for the damages incurred depending on the person’s policy limits.

Since your boyfriend will be moving here, his car must be registered, licensed, and insured for him to be able to legally drive his car. In addition, he is required to have a Personal Injury Protection policy on his auto insurance, with minimum required limits of $10,000/ person. This covers him for his own medical expenses incurred from the accident. Also, this usually covers the policyholder’s funeral expenses. Similarly, the policyholder’s relatives living in the same house and other authorized drivers on the policyholder’s car would also be covered.

For additional information, you can check the websites for available auto insurance quotes in Honolulu, Hawaii or ask you car insurance agent.

Tags: auto insurance, car insurance online, good driver discount

Reader’s Question:

I am looking for different auto insurance policies when I came across uninsured motorist coverage. What is this? Do I really need to have it? I am from Portland, Maine if that will help you more.

Nora

Portland, ME

The uninsured motorist policy is an insurance coverage that pays for property damage and bodily injury in an event that a person is involved in a vehicular accident with another party who has insufficient coverage to pay for damages incurred from the accident.

Now the big question is, is really worthy to purchase this kind of policy? I’ve done some research and let me share some interesting facts about your question.

According to a study conducted by Insurance Research Council, it is estimated that around 15 to 17% of all drivers in the United States are not insured. This is despite laws requiring auto insurance and/or financial responsibility on the vehicles being operated and driven in different states. In another study conducted in 2006 for Uninsured Motorists found the following states as the highest number of uninsured drivers:

1. Mississippi - 26%
2. Alabama - 25%
3. California - 25%
4. New Mexico - 24%
5. Arizona - 22%

However, according to the same study, Maine has the lowest number of uninsured driver with only 4% uninsured driver. Following closely are Vermont (6%), Massachusetts (6%), New York (7%), and Nebraska (8%).

But having the lowest number of uninsured driver in your state does not give you the right not to purchase this policy. Because, having uninsured motorist coverage on your auto insurance policy is mandated by the law in your home state. Ask you auto insurance agent in Portland, Maine for more information about this policy or check the websites so you compare car insurance rates.

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