New Vehicle Insurance Durham North Carolina NC
Reader’s Question:
Is it true that the newer the vehicle you buy, the higher you car insurance premium will be? Shouldn’t it be the other way around? I’m gonna be purchasing a brand new SUV here in Durham, North Carolina, and I want to know if I will end up with higher car insurance bills.
Suzanne
Durham, NC
This is a very interesting question. Generally, it would cost a car insurance provider more to insurance towards repairing, replacing loss, or reimbursement damages caused to an expensive, brand-new or performance-type vehicle, as compared to an older car. However, as more and more of the latest car models coming out have state-of-the-art, built in safety mechanisms already installed, your car insurance provider may actually be able to provide you discounts on the merits of additional passenger safety which can help augment the costs of a higher car insurance premium.
You also have to factor the type of vehicle you have, it’s tag price, if there will be additional people you’ll have to add to your policy when they use the newer vehicle, the increased likelihood of theft, and any other statistical factors involved in determining the risk of insuring a newer car on your car insurance provider. This is the reason why you will see your car insurance premiums increase with a new vehicle.
You could still shave off some amount from the insurance bill if you agree to a higher deductible on your policy, if you, and the people using the new car enroll on defensive or safe driving lessons and by leveraging on the additional passenger safety mechanisms stated above. Talk with your car insurance agent about other promos available which may not be aware of as well.
Tags: automobile, car, car insurance discounts, car insurance rate
Save On Auto Insurance Fayetteville North Carolina NC
Reader’s Question:
Do I really need to have everything that is currently included under my car insurance coverage here in Fayetteville, North Carolina? I want to have a better understanding of how car insurance works since I think I can save some money by trimming down on my coverage. Thanks!
Lourdes
Fayetteville, NC
The answer to your first question is probably no. You may have gotten a standard type of car insurance, meaning it has all the bells and whistles and many other fancy extras as advertised but it may not be something you will actually need, nor end up using at all in the future. The best way to pick a good car insurance policy is to understand on how you drive,the likelihood of you being involved in a car accident in your area in Fayetteville, car theft and loss due to natural disasters, and of course, your budget.
In North Carolina, as in most states, car owners are required to purchase a minimum amount of coverage, namely: Liability insurance, Bodily Injury insurance and Personal Injury Protection (PIP). Focus on getting the highest coverage you can afford here since this will protect you from having to pay the biggest sums of money from damages that may be incurred in the event you get sued in a car accident.
Take a look at your comprehensive coverage. Would you really need coverage for earthquakes or hurricanes for an older car? There are some unnecessary extras in your coverage that may sound really important, but might be the least likely to occur, much less cause damage or loss to your vehicle. If you really want savings on car insurance then prioritize your protection needs and be realistic about it.
Tags: advice, car, car insurance, car insurance quotes
Teen Car Insurance Savings Islip New York NY
Reader’s Question:
My teenager, recently getting his drivers license here in Islip, New York, is very excited to start driving and I am very much the proud parent, however, how can I keep my insurance costs to a minimum when I add my teenager to my insurance policy?
Janus
Islip, NY
It is, most of the time, a great source of pride for a parent to see their teenagers learning to drive on their own however it is a source of great anxiety as well, knowing how teenagers can get reckless at times. Unfortunately, Auto Insurance providers categorize teenage drivers under “High-risk’” and adding your teenager to your existing policy there in Islip, New York, could mean double, even triple or more increase in your car insurance premiums. There are still ways on how you minimize the costs of having sufficient car insurance coverage for yourself, your teenager and the rest of your family who will be driving.
You can opt t have your teenager drive an older car, requiring less insurance protection or consider upgrading the safety features on the insured vehicle to make the car safer and thus lowering your insurance costs. You can also enroll your family on accredited defensive driving courses to provide them the necessary skills and knowledge to drive safer, which can then lead to your car insurance provider offering you lower or better rates. If your children are doing very well in school then you can also take advantage of a good student car insurance discount to lower your insurance premium. Consult with your current provider and see if they also give discounts for adding additional insurance for your teenager under your existing policy.
Tags: car insurance, car insurance discounts, car insurance quotes, car insurance rate
SR22 Automobile Insurance Joliet Illinois IL
Reader’s Question:
I’ve been caught driving and unfortunately I don’t have car insurance yet here in Joliet, Illinois. I’ve been instructed to file an SR22 form. What is it and how do I get one?
Thomas
Joliet, IL
An SR 22 is a form that proves you have financial responsibility, also known as insurance, for your vehicle and for driving. This is a requirement by the financial responsibility law of Illinois and is needed by people who have had driving violations or has been involved in vehicular accidents. This proves that in the event you do get involved in a car accident, you have enough financial coverage to pay for financial obligations due to the damages you may have caused on property and/or people. This also aims to make sure that you, as a motorist, is also protected from such damages and injuries. You can consult with any car insurance provider there in Joliet or your local Department of Motor Vehicles (DMV) on how to file for an SR22 as well as the associated fees. You will also need to know how long you’ll have to keep an SR22 (usually two or three years) after you get your license back from suspension.
It would be advisable to start looking for a car insurance provider since they will need to be the one to file this form for you. You will also need to know what the state minimum car insurance coverage requirement is so you know how much you need to get. This will mainly cover three important types of coverage: Bodily Liability Coverage, Personal Injury Protection and Property damage liability insurance. Once you have found a suitable car insurance provider, make sure you maintain a good driving record as penalties for repeat driving offenders gets significantly more severe.
Tags: car, car insurance, car insurance discounts, SR22 insurance
Teen Car Insurance Tips Waco Texas TX
Reader’s Question:
I was wondering if you could provide tips on how to lower our insurance costs for our family car here in Waco, Texas. Ever since my kids started using the car I had to put them under my insurance and it is really costing us. Thanks!
Palmer Joss
Waco, TX
Reality is that as soon as your teenagers learn how to drive the family car or a car of their own, the sooner your car insurance costs skyrocket. There is not much we can do about this since your car insurance company there in Waco, Texas, will consider teenagers as somewhat of a liability or a high-risk driver. You can still find ways, however, to save on car insurance costs by following the few simple advises listed below:
Make sure your kids keep good grades. If your kids excel academically then you may get savings on your car insurance premiums through a good student discount. It will be best to keep them on the same policy, as you are to avoid additional and unnecessary costs. Talk to your kids about the importance of driving safely and keeping a good driving records since they may not realize the long-term implications of reckless driving and how it can significantly inflate your insurance premiums. It is also a good idea to enroll them on defensive driving classes (you too, if you haven’t done this yet) and upgrade or add additional safety mechanism on your car to maximize the savings and discounts you can get from your car insurance provider. The more you are able to show that you and your kids are good drivers the faster and better the savings that you can get while still maintaining sufficient protection for your loved ones.
Tags: car insurance, car insurance discounts, teen DUI, teen insurance
Married Couple Filing SR22 In Chicago Illinois IL
Reader’s Question:
Can I file for an SR22 under my car insurance Company for my husband? He has recently been detained due to DUI and we need to get his license back (since he already served his time) for work here in Chicago. He has also had some previous violations here in Illinois but that was a long time ago, will all of this affect me as well?
Cathy
Chicago IL
Since you are the spouse, and if the car your husband was arrested in for DUI is under your car insurance coverage, you should be able to have your car insurance company there in Chicago, Illinois file an SR22 for you. The unfortunate thing, however, is since your husband got charged for DUI this will go against your record as well as written under state law. This could also mean an increase in the amount your paying for car insurance for a while until both of you are able to demonstrate financial responsibility through the said SR22 form and avoiding future infractions, even speeding tickets.
Do take note that you will normally only need to maintain your SR22 for about a couple of years but this still depends on the gravity of your husband’s offense. I suggest you talk to your insurance agent immediately about getting the SR22 since you will need to get your husband’s license back as quickly as possible. Make sure to also ask your insurance agent about the other necessary paperwork needed to be accomplished in this case. Finally, since you mentioned that he has had some bad driving records in the past, it will be up to you to make sure your spouse knows the implication of further being caught or pulled over for any other form of driving violation as the resulting penalties and fees will be significantly more severe with repeat offenders.
Tags: car insurance, DUI, DUI arrest, DUI conviction
New Vehicle Insurance Springfield Illinois IL
Reader’s Question:
I am buying my very first car with my new job here in Springfield Illinois IL. My officemates are all telling me to have the car insured immediately. I’m really not looking forward to having to spend again. Can I do without auto insurance?
Nick
Springfield, IL
I hate to be the bearer of bad news, Nick, but you are required to have insurance prior to car registration. But, don’t fret, this seemingly bad news can prove to be very useful in the future.
You will be required a liability coverage, at the minimum, when you register in Springfield. Liability coverage offers protection for you when you have caused injury to somebody else because of a collision. In other words, when you are the one responsible for the collision, you will be required to pay for the damages you have caused to the aggrieved party. Liability coverage will be used in this case and you can be penalized for non-compliance if you were found to be without one. That would be a double whammy since you not only have to pay for all the expenses of the damages from your own pocket; you also have to pay a considerable amount for non-compliance.
Although you are only required a liability coverage, it will be good for you to also explore the many other types of auto insurance. You may want to shop online for free quotes – you can do so on this page by entering your zip code on the space provided. Or you may want to set up an appointment with a local insurer in Springfield Illinois IL.
The other types of auto insurance are collision and comprehensive. Collision coverage will pay for the damages your car has sustained due to a collision, and can be bought as an addition to liability coverage. Comprehensive coverage includes all the features of liability and collision, plus any damages the vehicle may have had due to fire, storm, theft or vandalism.
You may not see the wisdom of getting auto insurance now but it can serve you well in the long run.
Tags: auto insurance
Auto insurance Claim Naperville Illinois IL
Reader’s Question:
Is it legal for a car insurance company to deny claim if the driver doesn’t wear seat belts? For Example, I let a friend drive my car and he gets into an accident. Can my car insurance company in Naperville, Illinois say that the insurance coverage did not count because my friend didn’t have seat belts on?
Carl
Naperville, IL
There are many insurance companies in Naperville Illinois that now have a clause in the policy stating if you have no seatbelt on they are not liable. They may not cover your injuries because you didn’t wear seatbelts. It’s disappointing but they have the right to do it so be sure to ask ahead of time to know if your car is covered.
I don’t know of any state that would allow insurance companies to deny coverage for this reason and it’s against public policy in the first place. Look at it this way, coverage is not denied if a person is speeding, coverage is not denied if you run a red light, etc.
It is not illegal as long as they had a clause in the written contract that additional drivers would only be covered if they followed all applicable law, but it’s very unlikely that would be in your contract.
Tags: auto insurance
Vehicle Insurance Claim Decatur Illinois IL
Reader’s Question:
A couple of weeks ago my friend’s car bumped into another car, she had a passenger at that time who claimed she had whiplash. For one week, she was not able to go to work and is now planning on suing my friend.
My friend, only has 3rd party car insurance and was wondering if her car insurance in Decatur Illinois would pay out to her passenger or would she have to pay out herself if claim goes through?
Robert
Decatur, IL
The passenger of your friend would be considered the third party and can sue your friend, the driver of the vehicle in which she was traveling if there’s negligence on the part of the driver resulting to damages, then there could be a valid claim.
An insurance policy is proof of a contract between two parties; the first party is the insurance company and the second party is the driver. Anyone else not involved in the agreement between the driver and the insurer is “third party”. The insurance policy agrees that the insurer will cover (i.e. pay the losses incurred by) the driver against all losses the driver may incur due to a claim by a third party.
The passenger cannot sue the insurance company as there is no contract between her and the insurer. What she can do only is to sue the driver. The driver will then ask the insurer to indemnify them against the claim. At this point, the insurer takes over the negotiations to come to an agreement with the passenger.
It will be best if the driver will answer any question by saying “I have advised my insurance company and they will deal with it”. In this way, he does not admit liability (which would be in breach of policy conditions and could result in the insurance company refusing to deal with the claim). I assume that your driver has already advised her car insurance company. If she receives any further communication from the passenger, she should forward it (unanswered) to her insurance company in Decatur Illinois.
Tags: auto insurance claims, car insurance
Comprehensive Auto Insurance Schaumburg Illinois IL
Reader’s Question:
Who pays for my stolen vehicle in Schaumburg? My car was caught on fire after a police chase.
Judy
Schaumburg, IL
You would need a comprehensive coverage in Schaumburg Illinois on your car for your vehicle to be covered if it was stolen and recovered after the thief was involved in a police chase while driving your car.
If you do not have comprehensive coverage on the car that was stolen then you will have to pay for the damages yourself unfortunately, if the vehicle is able to be fixed, or be out a vehicle since there would not be any other way in which to make a car insurance claim.
Insurance and state law vary however if you do not have comprehensive coverage then generally unless the at-fault driver is found, the one who stole the car, there is really no one to go after for the damages to your car. The law enforcement would not be liable for the actions of the person that stole your car.
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