If my son comes to visit us here in Ann Arbor, Michigan and we give him permission to use our car, if they get involved in an accident are they covered?

Alice

Ann Arbor, MI

Well if you give permission to your friend or a relative who does not reside with you in the household to borrow your automobile on an occasional basis, normally then your auto insurance coverages will extend to them and therefore they will be covered and the car will be covered if they get involved in an accident.

Vehicle insurance providers differ with their guidelines and terms of insurance policies so you I suggest that you read through your insurance policy and it is important to talk to your auto insurance agent with regards to the issue to be sure your auto insurance policy does not have exclusions for lending your automobile to your teenage son when they come to visit you and operate your vehicle. Your auto insurance agent should also be able to inform you which of your auto insurance coverages are extended to those that you give permission to drive your automobile but who are not listed as a motorist on the car insurance policy.

I’m helping my friend to find the right auto insurance policy for himself. It’s his first time to buy a car insurance policy since this is the first time that he’s going solo. Can you give me some suggestions on how to get the right auto insurance in Idaho Falls, Idaho?

Fabiola

Idaho Falls, ID

Sure Fabiola!

Let me just give easy to follow steps that you need to follow in choosing the right auto insurance for your friend.

First, shop, shop, and shop more. It’s better if your compare auto insurance premium form car insurance companies. By doing this, you could getter better deals;

Second, contact many car insurance agents or companies so you could get better combination of auto insurance policies that suit your budget;

Third, make up your mind. Before you purchase a car insurance policy know what you want;

Fourth, ask for different discounts that the insurer offers; and

Lastly, be aware of factors that affect car insurance premium like age, driving history, credit history, type of car, place of residence, and deductibles.

Having a high deductible amount will greatly reduce your annual premiums if you are a safe driver with no claims in the last few years.

For more information on car insurance rates in Idaho ask a licensed auto insurance agent in your area and check the websites.

I’m a new driver and I’m about to get my car insurance policy in New Jersey. I’ve done some research regarding the auto insurance polices that I need to get. Now, what I would like to know what are the things that I need to consider in choosing the right car insurance company for me?

Lillian

Jersey City, NJ

Let me give you five important things that you need to consider in getting car insurance company for you: budget, licensing, financial stability, comfort, and service.

First thing you need to determine is your budget. Different car insurance companies offer different quotes. So it’s best if you compare car insurance rates from no less than three companies.

Next, is to make sure that you are getting the car insurance policy from a licensed auto insurance company in your state. As you see, not all car insurance companies have the right to operate their business in every state. You need to ask the New Jersey Department of Insurance for a list of licensed car insurance company in your area.

In addition, you also need to make sure that the car insurance company you have chosen is financially stable.

Also, since you would be a customer, you must feel valued with the kind of service the car insurance company is giving you. Any kinds of question you have in mind should be clearly answered in an effective and timely manner.

Lastly, you must be comfortable with the insurance coverage that you have bought. If you have questions regarding your policy, your car insurance agent or company should be able to answers your question easily.

If you are looking for auto insurance quotes in New Jersey you can try the websites so you could compare car insurance premiums in your area.

My mom emphasized the importance of keeping a good driving record all the time. According to her, having a clean driving record would mean getting lower auto insurance rate for her, since I am teen driver and under her policy. I also heard from her that no matter where I got the moving violation ticket, it will still be reported back to  Alabama because of the DLC. So that would still mean getting higher car insurance premiums in once I got a moving violation. I am just curious, what states are members of the DLC? What does DLC really mean?

Micah

Tanner-Williams, AL

Your mom is correct. Having a clean driving record is one of the major factors in getting lower auto insurance rate in  Alabama.

Going back to your question, Driver License Compact (DLC) is a compact among states in the US which is used to exchange information about a driver’s violations and suspensions. It has a theme of One Driver, One License, One Record. With this compact, violations done out of state are reported back to the violator’s home state and is treated the same way as if said violation happened in the violator’s home state. Some of the out of state violations that are reported are speeding, dui/dwi, and license suspension.

All states in the US are members of the DLC except for the following: Michigan, Georgia, Wisconsin, Tennessee, and Massachusetts. Your home state Alabama is a member of DLC since 1996.

For additional information about DLC you can ask the Alabama Motor Vehicle Division (MVD).

Would it be a good idea to get individual teen auto insurance policies for my two kids or should I just continue to have them as secondary drivers on my own auto liability insurance policy here in Pittsburg?

Kaylee

Pittsburgh Pennsylvania PA

That’s a good question, Kaylee – and as it happens, a bit tricky to answer.

Firstly, you fail to mention how old your kids are. If your kids are above 18 years of age and own their own vehicles or have their names as co-owners of your vehicle, your kids may qualify for teenage auto insurance. However, if your kids are minors – between 16 and 18 years old – then they are not permitted to take have their own teenage auto insurance ; hence, they’ll have no choice but to ride onto yours.

Secondly, you may want to assess the impact that continuing to include them in your auto insurance policy would have on your future premiums. If your kids generally drive safely, then there shouldn’t be much of an impact. If, however, a peak in your kids’ driving history reveals a long list of misdemeanors or traffic violations, it may be a good idea to consider getting them their own teenage auto insurance because their records may drive up your own premiums.

Lastly, you may want to research on the terms and costs of available teenage auto insurance in Pittsburgh to determine whether it which course of action would result in lower total premium costs. This is assuming that you intend to pay for all the auto insurance anyway. Entering your zip code in the form on this site would allow you to search for more information and request for free quotes. I suggest you get at least five quotes from various insurers in PA so you can get a better idea of the range and costs of options before you make a decision.

I am turning 18 this December. Since, I’ll be an adult, would this mean I’ll get lower auto insurance rate. Because I heard from a friend that age is one of the factors that affect auto insurance rates. Am I correct?

Ramon

Huntington, WV

Unfortunately, you are getting it wrongly.

It is true that among car insurance companies, age is one of the factors that they consider in setting car insurance rates. However, turning 18 does not mean you are safer to be insured.

In fact, you are still considered a teen driver, thus you are riskier to be insured as compared to adult drivers. But in general, once you have reached the age of 25, car insurance companies will consider you safer to be insured. Because according to studies, drivers who are 25 years old and above are less likely to be involved in car accidents as compared to younger drivers.

So once you reached the age of 25, I would say you inform your insurer in West Virginia, to see if they offer a discount for this age bracket. However, before you do that, make sure that you maintain a clean driving record. Because being 25 is useless if you have under your driving records several traffic violations.

I am a mother of two. Both my teen sons are under my auto insurance policy. And honestly, it is very expensive to have them both under my policy. Can anyone help me and share their ideas on how they save on car insurance with teen drivers?

Raquel

East Orange, NJ

I understand what you feel Raquel. I am a mother of three too. And it is really expensive to have teens under your policy. I could share you some things I did that greatly help me in reducing my car insurance premium in New Jersey.

First, study each policy you have. If you have an existing health insurance, then there’s no need for you to get additional medical insurance from your auto insurance company;

Second, if you are buying a car, NEVER buy an expensive car, it is a fact that it’s more expensive to be insured;

Third, increase your deductible. Doing this will decrease you car insurance premium;

Lastly, shop, shop, and shop for car insurance quotes. There are so many auto insurance companies in New Jersey with competitive quotes. All you need to do is to compare car insurance rates and you’ll be amazed on how rates differ form every car insurance company. And the good thing is you can start doing that by using this website and entering your zip code.

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  Las Vegas, Nevada or also check this website for more useful information.

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, 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.

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 car 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?

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.