Teacher Auto Insurance Discount Huntsville Alabama AL

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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

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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

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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

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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

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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

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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

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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

Automobile Insurance Claims Beaverton, Oregon OR

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Reader’s Question:

In Beaverton, Oregon usually how long does it take for insurance provider pay off a vehicle if it has been stolen?

Dolly

Beaverton, OR

According to the Oregon Insurance Division in their consumer insurance brochure, if you file an insurance claim, you have a right to be notified of the process to be used to settle your car insurance claim and the progress of your insurance claim. Automobile insurance carriers must respond to insurance claim communications within thirty days. They must complete a reasonable investigation of a auto insurance claim within forty five days, unless they can justify additional time is needed.

During the insurance claim process you must cooperate with the insurance company’s reasonable investigation of your insurance claim. If you fail to cooperate this may result in a delay in payment or even the insurance carrier denying your insurance claim.

With a stolen vehicle that is not recovered an insurance company will want to do a thorough investigation so it may take up to forty five day limit and even longer if they can justify using extra time for their investigation into how the vehicle was stolen, etc. Insurance carriers generally do try to pay claims in a reasonable and prompt amount of time.

If you want to get more information about your consumer rights with regards to a comprehensive auto insurance claim for a total loss due to your car being stolen in Beaverton, Oregon you may contact the Oregon Insurance Division directly. To verify if your insurance carrier has any time limits with regards to insurance claims beyond the Oregon state laws, read over your car insurance policy and check with both your insurance agent and the insurance claims adjuster working on your insurance claim.

 

Tags: auto insurance claims, car insurance

 

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Driving Without Auto Insurance Lawton, Oklahoma OK

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Reader’s Question:

My 16 year old daughter was pulled over in Lawton, Oklahoma and got a ticket for driving the car with no proof of insurance. The vehicle belonged to someone else. Are we responsible for the traffic ticket and will this affect our car insurance?

Lory

Lawton, OK

According to the Oklahoma driver’s manual the Oklahoma has strict laws about having valid car liability insurance. All OK motorist and/or car owners are required by law to carry the minimum limits of liability for this state.

Whether this type of citation on your daughter’s driving history will affect your insurance premium rate is up to the rating system that your insurance company has in place. Driving uninsured is usually a major violation but since the vehicle your daughter was driving in without car insurance was not a vehicle that she would normally have insurance on since it was not owned by her and she did not have insurable interest on it then your insurance carrier may consider it to be minor. Your car insurance agent could inform you about your insurance carrier’s rating system and if your daughter’s ticket will affect your car insurance rates in any way.

To obtain more information on OK insurance law you can contact the OK Department of Public Safety or OK Insurance Department. The Oklahoma Insurance Department may also be able to inform you more about your insurance carrier’s rating system since their car insurance rates must be filed with this state agency.

 

Tags: auto insurance, Car Insurance Company, teen insurance

Student Car Insurance Great Falls Montana MT

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Reader’s Question:

I have a friend who will be moving to the city of Calgary for schooling; does he need to purchase Canadian car insurance? His car is registered in Great Falls, Montana and has a Montana license, can he get Canadian insurance?

Chris

Great Falls, Montana

Thanks for asking Chris. If your friend’s insurance company will not allow him to keep his Great Falls, Montana car insurance on his car while he is away in Calgary for schooling, then he will likely need to purchase his car insurance there in Alberta, Canada. Normally, the car insurance companies in US are not able to offer car insurance for your friend while he is a full-time student in Alberta, Canada. Generally, the car insurance companies can only extend coverage to residents in the US.

The Alberta government states that if a person is not a resident of Alberta but is attending full time school in Alberta they do not have to register their vehicles and change their driver’s licenses. This is provided that the vehicle is registered in their home jurisdiction under their name. However, the Alberta government does not discuss the issue of purchasing car insurance for out of the area full time students.

It is likely to secure car insurance that your friend will need to register his vehicles in Calgary. For help on obtaining the Canadian car insurance he will need on his vehicle while he is attending school in Canada, I would suggest your friend seek help from the student services department of the University he will be attending. The student affairs office of a college or university usually deals with situations such as helping international students figure out how to legally bring their vehicle over and properly place car insurance on it, so they should be able to offer expert advice on his situation.

 

Tags: Student car insurance

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