Car Insurance Costs

Sorry to hear about the situation. It is possible for claims to follow you elsewhere.

Most insurance companies will charge more for a turbo engine if the VIN identifies it as such — since it has more power and speed, the risk of a claim is going to increase. The same goes for luxury or modified vehicles.

Sorry to hear that this is following you. Unfortunately, some companies won't work around it if these claims show on your prior plans.

It's possible that your agent is simply trying to keep your business. However, he may actually be correct.

You can shop around for lower rates elsewhere as you please. But keep in mind that the accident will still be on your record for all insurers to see and rate you on — namely, it will show up on your CLUE report, which all insurance companies use to access your claims history.

If you set up the policy in his name before you are married, your score will not impact the rates. Once you are married, it may impact your rates, but not as much if you keep the policy in your finance's name once you are married.

Thanks for the question. I would not sell the vehicle while the claim is still open.

A comprehensive claim can affect your insurance rating. However, most carriers are alright with allowing one such claim per three-year period.

I'm sorry to hear about your situation. The good thing is that the driver is covered under your policy, assuming you gave them permission to drive the car.

It's hard to give you an accurate quote without having more information. There are a number of factors that come into play when determining your premium and each insurance company may weigh these factors differently when determining what you pay.