Vehicle Insurance Rate Coral Springs Florida FL

Reader’s Question:

I received a traffic ticket in another state but I have a Florida license. Will this affect my driving record? How about my insurance rate in Coral Springs Florida? Will it go up?

Michael

Coral Springs, FL

Yes, it will affect your driving record. Your traffic information will be sent to Florida and will be added to your record. Thus, you will be receiving points. But this depends though if said ticket is a point-accessible violation as per Florida Statute 322.27(3). Enrolling in a driving school to remove points from your record is not an option though. This is because Florida State Law does not allow any driving school or program to remove points for a ticket that was received from another state. Also, remember to pay your ticket or else your license will be suspended.

And going back to your second question, will it increase your insurance rate? That depends on your insurance company. Usually, if it’s your first minor ticket it will not affect your rate but succeeding tickets would only give you sky rocketed premium.

Ask your insurance agents in Coral Springs, FL to find more about how traffic tickets will affect your rates. Check with the websites for additional information for insurance rates in your area.

Tags: car insurance rate

Automobile Insurance Rate Columbus Ohio OH

Reader’s Question:

I’m shopping for insurance rates in Columbus Ohio. I heard from my boyfriend that the kind of car that a person drives affects his or her insurance rates in Columbus, OH. He also told me that the more expensive a car is, the higher the insurance rates will be. How true is that?

Wendy

Columbus, OH

Your boyfriend is absolutely correct. The type of car affects you insurance rates. The reason for this is simple, it will determine how much you will pay for your comprehensive and collision policies. According to research, cars that are expensive to insured are those that are expensive to repair, have high horse power and/or high dollar.
Following are the most expensive cars to be insured from 2002 to 2004 according to Highway Loss Data Institute:

1. Mitsubishi Lancer Evolution
2. Mercedes CL-Class
3. Dodge SRT-4
4. Subaru Impreza WRX
5. Jaguar XK (convertible)
6. Lexus IS 300
7. Honda S2000
8. Acura RSX
9. Nissan 350Z
10. Jaguar XJ

So when you shop around for insurance rates in Columbus, OH, always consider the kind of car you’re driving. Having a car that is a popular target for thieves means higher rate for premium. Don’t forget to shop online, there are so many available quotes you can get by just doing that. Enjoy shopping!

Tags: car insurance cost, car insurance rate

Teen Automobile Insurance Tallahassee Florida FL

Reader’s Question:

My daughter is celebrating her birthday and I’ll be buying her first car. I heard from friend that there are cars that are said to be most likely stolen and those that are not. I know that having a car that is likely to be stolen only guarantees a higher premium rate. Since, it’s going to be my daughter’s first car, I’d like to make sure it won’t be stolen and that I won’t be paying more on my premium in Tallahassee, Florida. Can you help me?

Diane

Tallahassee, FL

That’s true. There are cars that are too hot for a theft’s eyes and there are cars that are not. According to a study conducted by Insurance Institute of Highway Safety (from 2003-2005) following are the cars most likely to be stolen or be broken into:

1. Cadillac Escalade
2. Mitsubishi Lancer Evolution
3. Dodge Ram 1500 Quad Cab pickup
4. Ford F-250 and F-350 SuperCrew four-wheel drive pickups (2005s only)
5. Chrysler Sebring (2004, 2005)

On the other hand, if you want to buy your daughter a car that is proven to be least likely to be stolen, I would suggest you consider buying these cars:

1. Ford Taurus station wagon
2. Pontiac Vibe station wagon
3. Buick Le Sabre
4. Buick Park Avenue
5. Toyota Sienna four-wheel drive (2004, 2005)

The type of car is always a factor on your insurance rates. Buying cars that are likely to be stolen or broken into will only assure you of higher premium. Don’t forget to ask your insurance agents when shopping for insurance rates or to get faster information use the Internet and start comparing insurance rates in Tallahassee, FL.

Tags: advice, auto insurance, teen insurance, Young driver car insurance

Teacher Auto Insurance Discount Huntsville Alabama AL

Reader’s Question:

Things are not getting easier for my family. I’m married to a 56-year-old man who is not earning enough. And having a teen daughter under my insurance policy is just adding up on my financial problems. I am desperate to get tips on how to save on my premium. Is it true that if I belong to a certain profession or group I could avail of car insurance discount in Huntsville, Alabama? I am a teacher by profession.

Lea

Huntsville, AL

I know things are getting tougher nowadays. But you really don’t have to lose hope Lea. There are so many ways which you could get a car insurance discount in Huntsville, Alabama. Let’s take a look at some:

• Teacher’s Discount. I assume that you are a member of National Education Association or any association of state educators, then with this under your name you could get as much as 20% discount.
• Older Drivers. Alabama State Law mandates a 5% discount to any driver who is 55 years old and above and took up defensive driving for a minimum of eight hours. You husband could avail of this discount.
• Young Drivers. New drivers who took up driving classes or defensive courses can get as much as 25% off from their insurance rates. For college or high school students with an average of B or better grades, they can from 15% to 25% discount. If you daughter is getting grades like that, then that’s a big discount on your insurance rates.
• Military Discount. There are certain auto insurance companies that give as much as 15% discount to drivers who are active or retired from military service or a member of the National Guard or Reserves.

There are a lot of ways on how you can save on your insurance rates. Start by shopping online to see the insurance rates in Huntsville, AL. You don’t have to lose hope at all.

Tags: auto insurance, Car insurance discounts, military insurance, teacher insurance discount

Buy Automobile Insurance Erie, Pennsylvania PA

Reader’s Question:

I live in Erie, Pennsylvania, is it possible to obtain insurance with an international driver’s license?

Jordan

Erie, PA

When buying an insurance policy in Erie, Pennsylvania or anywhere in the United States, you are expected to have an existing driver’s license issued by one of the states within the US. Or, if you don’t have a driver’s license yet, you need to obtain one in order to be insured in America.

Most insurance companies require you to obtain a driver’s license in the state you reside even before purchasing insurance or within 30 days after obtaining coverage. This is also a requirement of some carriers to insure you in the United States with an international license.

I don’t know of any specific specialty carriers for international drivers but if you’re going to reside in one state for a certain length of time then you can contact that state’s Department of Motor Vehicles to see if it is possible for you to receive a driver’s license.

If you’re unable to obtain a US driver’s license and need information on a specialty insurer that may cover you, contact the state’s insurance regulatory body to see if they can advise you on companies that are licensed in that particular state that would be able to cover your auto insurance needs with your foreign driver’s license.

 

Tags: auto insurance

Leased Vehicle Insurance Camden New Jersey NJ

Reader’s Question:

I had to increase the car insurance premium on my leased car in Camden, New Jersey, my insurance carrier is saying that this has to be increased on all my cars and cannot be done for just the leased vehicle. Is this true?

Thomas

Camden, NJ

The New Jersey Department of Banking and Insurance (DOBI) states that most insurance companies, if not all, require that the applicant chose 1 liability limit per car insurance policy regardless of the number of car’s insured as one could attempt, due to the car insurance policy term, to make a car insurance claim under the higher limit cars regardless of which car was involved in the accident.

A solution for this is to get a separate car insurance policy for your leased car. Obtaining a separate car insurance policy for the leased car would permit you to choose lower liability limits for the other cars on their car insurance policy.

So what your insurance carrier is telling you is true according to their underwriting rules. Most all insurance carriers require that the liability limits are the same on multiple vehicles which are on the same car insurance policy.

If you do not want to obtain a separate car insurance policy for the leased vehicle, then you could shop around for an insurance companies that would permit you to have different limits on one car insurance policy but I believe it would be hard to find an insurance company in Camden New Jersey that would permit this.

 

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

Drunk Driving Car Insurance Scottsdale, Arizona AZ

Reader’s Question:

My vehicle was totaled and I would like to know if my auto insurance in Scottsdale, Arizona still going to cover it if I was driving drunk?

Gene

Scottsdale, AZ

You will need to talk with your car insurance agent and read over the terms of your car insurance policy to check if there are any exclusions that would permit them to deny an insurance claim. It is not typical of an insurance carrier to exclude car insurance coverages due to a OUI, DUI, DWI or any type of drunk driving violation. Though many insurance carriers will exclude coverage for criminal acts.

My brother was drunk driving and his insurance company denied the car insurance claim due to a DUI being considered a criminal violation and the car insurance policy excluded such actions.

So you will need to read over your auto insurance policy in Scottsdale, Arizona and if it is not clear whether your insurance carrier would cover an incident you are in while drunk driving then talk with your car insurance agent to get verification. You can also check with your state’s insurance regulator to know if a DUI exclusion is permitted on car insurance policies.

 

Tags: auto insurance, drunk driving insurance, DUI insurance

Student Automobile Insurance Manhattan New York NY

Reader’s Question:

I’m an international student studying in Manhattan NY, how do I get insurance for my car?

Clara

Manhattan, NY

First is you need to have an up-to-date international driver`s license so that you’ll be allowed to drive both in your home country and in the US. Many international students have no need for an American driver`s license, so an international one should be okay. Just make sure that it’s good for at least six months after your stay ends for you to be able to get the best car insurance possible.

When you apply for car insurance, bring all paperwork that could be necessary with you. In order to get the best rates, you`ll need proof that you haven`t had an accident in the previous 18-36 months.
You need to look for fixed rates since some car insurance companies will let you sign up for 6 months or 12 months, where your rates will not go up, even if you have an accident during that time.

Car insurance for international students like you might be a little tricky, but if you do some research about which companies will give you a break, even if you haven`t been driving in the States for the past three years, you’ll still be able to get the best rates. The prices and amount of coverage should be reasonable and not hiked up just because you’re only temporarily living in Manhattan NY.

 

Tags: auto insurance, Student car insurance, Young driver car insurance

SR22 Automobile Insurance Hayward, California CA

Reader’s Question:

I currently have an SR 22 insurance coverage in Hayward, California and I am wondering if I need to obtain another SR22 for the motorcycle that I have just bought?

Paul

Hayward, CA

You should verify with the CA Department of Motor Vehicles (DMV) to be sure about your specific case but generally those that are required to get and maintain an SR-22 insurance for a certain period of time normally must do so on all motor vehicles registered under their name.

The financial responsibility sections of the California Vehicle Code apply to all 2-wheel car owners and operators so automobile insurance (or another form of financial responsibility) is mandatory for motorcycle riders Hayward, California.

If the California Department of Motor Vehicle verifies that you must have an SR-22 insurance filed for any car that you register, such as your new motorcycle, then you should contact your car insurance company to make sure this form is filed with the state as soon as possible.

 

Tags: auto insurance, sr22 insurance

Auto Insurance Points Lauderhill Florida FL

 

Reader’s Question:

In Lauderhill Florida, is it possible to voluntarily take a driver improvement class in order to remove points on my driving record?

Ella

 

Lauderhill, FL

 

You can check with the FL Department of Highway Safety and Motor Vehicles (HSMV) to check, but I am not aware of any way in which to remove points by attending a driver improvement class after the points and violation have already been put on your driving record.

 

When you receive certain types of traffic violations in Lauderhill, FL you may elect to attend driver improvement class or traffic school to keep points off your driving record. With this option you need to request traffic class of the court before your court date and have it approved by the court.

 

The HSMV states that the benefits for choosing the driving course option at the time of your citation are that points are not added to your driving record and the fine is reduced up to 18%. You can only choose this option for traffic violations five times in a lifetime in Florida and cannot have made this same election in the preceding twelve months.

I suggest that you contact the Florida HSMV to check if in your situation if there is any way in which to take off points from your drivers license. Remember that for insurance purposes the violations, as well as points total, normally are looked at. So while even if you are able to have points taken off from your driving record likely the actual traffic violation conviction will stay for an insurance carrier to see.

 

 

Tags: auto insurance, car insurance rate, traffic school

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