All Questions

Yes, you can have two separate policies. This can have its benefits in some cases. However, you will still need to be listed on each other's policies as household members/spouses but you can be excluded. Being excluded means you would not be covered under the policy at all. With that being said, it…

In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors. State Farm and GEICO have different loss histories and net profits, and therefore will have different quotes (with no reason or incentive to match…

Typically, you have up to 14 days to add a new vehicle to your policy. Every company is different so always check with your specific insurance company for their guidelines. However, if you do not add the car to your current insurance and happen to get into an accident before your new policy starts,…

HO-1 through HO-6 policies differ in covered perils, property types, and protection levelsGood question! These numbers correspond to either home, renters, or condo insurance. Here is a simple breakdown:HO-1: Basic form — this only covers you from 10 named perils. "Named-peril" means that your home …

Regardless of where you live, if you are financing a vehicle you need to have it registered in your name. You can put the car insurance in someone else's name but insuring a vehicle you don't own can be challenging and you would still need to be listed on the policy. You will also need to list your…

An IID, or ignition interlock device, is usually only required if you own a vehicle. I would contact a lawyer because I (an insurance agent) cannot answer this for you. You might be able to get your IID requirement waived if you submit a declaration of non-ownership. This states you do not own a ve…

You will actually need to get commercial insurance as a delivery driver. This type of policy is specifically designed for vehicles tied to a business or otherwise used for business purposes.If you were going to drive for a rideshare company like Uber or Lyft, you could simply get a personal auto po…

He would need to get insurance to before he drives the vehicle. There is no grace period in Michigan. If he already has insurance he would typically have 14 days to switch out the vehicle but he would need to check with his specific company. Good luck and if you have any questions, don't hesitate t…

Unfortunately, using your roadside assistance is considered a claim since you are using coverage on your policy. Most insurance companies will allow you to use your roadside assistance three times. This may be why your insurance rates will go up after the third claim. Since having roadside through …

A hit-and-run can increase your rate even if you’re a victimThe accident will show up on your record. How it appears on your record depends on what coverage paid for your repairs. If you have uninsured motorist coverage (which covers a hit a run) and this coverage was used to pay for the damages, t…