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Car Insurance Costs

Do vehicles that have the IIHS's "Top Safety Pick Plus" award get discounted auto insurance or any other benefits?

Here is how the IIHS defines the rating differences between TSP and TSP+, according to the info found here. "To qualify for 2019 TOP SAFETY PICK, a vehicle must earn good ratings in the driver-side small overlap front, moderate overlap front, side, roof strength and head restraint tests, as well as an acceptable or good rating in the passenger-side small overlap front test.
Aug 11, 2019 San Francisco, CA

Car Insurance Costs

What could be the reason State Farm increased my premium?

Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.
Aug 4, 2019 San Jose, CA

Car Insurance Costs General Insurance

Can I get accident forgiveness after an accident?

I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven.
Jul 31, 2019 Brooklyn, NY

Car Insurance Costs

MIP at 18, I am getting it dismissed and expunged. Do not have my license yet, will insurance be affected?

MIP is a non-moving violation, which does not impact your insurance rates. When it comes to the cost, if you're around 18-20 you can expect your premium to be quite pricier than those paid by older folks.
Jul 28, 2019 Gastonia, NC

Car Insurance Costs

My fiancé is legally blind and has to drive with bioptic glasses. His car insurance rates have always been ridiculous. Any suggestions please?

Insurance rates are based on the risk of someone getting into an accident. Since your fiance is legally blind and has a speeding ticket, his rates are going to be higher because of the elevated risk that he would get into an accident.
Jul 23, 2019 Reynoldburg, OH

Car Insurance Costs

What's the average rate increase for a collision claim?

Sorry to hear about your accident. You shouldn't need to get a police report if you were at fault and will be filing as a collision claim.
Jul 9, 2019 Atlanta, GA

Car Insurance Costs

What do insurance companies use to determine high risk drivers?

Every insurance company rates drivers differently. There are also other factors, such as credit, continuous insurance history, and age that can determine you to be a high-risk driver.
Jul 7, 2019 Cumming, GA

Car Insurance Costs

Can a bank add insurance to my loan when I already have insurance?

This sounds like a processing error. Short of that, I would say that this issue is unfortunately too specific to your policy for me to accurately advise.
Jun 4, 2019 Chino, CA

Car Insurance Costs

Will being an older driver with poor credit affect my car insurance rates?

You are correct in that having a poor credit history will raise your rates. Age can be a factor as well.
May 30, 2019 Glasgow, MT

Car Insurance Costs

What is the average cost for an 18 year old female with a sports car in Arizona?

There's a couple of things to consider regarding the average cost of car insurance for you. First, your age will definitely impact your premium.
Apr 25, 2019 Tucson, AZ
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