Car Insurance Costs

Your comprehensive claim will show up on your reports for auto insurance even if it was done for a motorcycle. The good news is if this is your first comp claim, it's considered not-at-fault, and most companies will not adjust your rates.

From what I understand, using Amazon's in-car delivery should not affect your insurance rates. Because the couriers don't drive your vehicle(s) and are simply dropping items off in a parked car, I don't see any concerning factors an insurance company would worry about — unless a courier vandalizes or steals your car, which seems unlikely.

Unfortunately, Oregon is not one of the few states that offer special insurance programs for low-income individuals and families. According to our 2021 State of Insurance report, The average annual premium in Oregon in 2020 was $1,332 — a tad lower than the national average of $1,456.

You should be able to get your payment back, providing that you check with your insurance company to see if there are any fee disclosures. I would contact them and see what they can do to rectify the situation.

If it is considered comprehensive, there would be no fault on the claim so you can take that out of the equation. Comprehensive claims are best summed up as your responsibility but not your fault.

Insurance is regulated on the state level and every state has its own insurance laws. For example, Michigan residents are well-known to pay the most expensive premiums in the country due to the state's coverage requirements, which include unlimited medical coverage for the lifetime of car accident victims.

Thanks for the question. Typically, Texas auto plans do not carry a cancellation fee.

If you are going to have historical or classic plates you are going to fall into special types of plans. Personal auto plans that most companies offer will not adequately cover what you need.

As far as I know, there is no way to get rid of the license suspension unless there is a legal loophole. You could always consult a lawyer who specializes in driving records to see if something can be done.

While I don't think your insurance agent is doing anything illegal, it's good practice for agencies to have fee disclosures. They can charge fees for services to make a few extra dollars but they should disclose it.