Car Insurance Costs
Coverage & Claims

Is a claim payment to me by another company reported to my carrier?

It's hard to say with any certainty, but if your insurer was not involved in the claims process they would probably never know. If they do become involved they would likely know that a claim had gone through another company.

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Car Insurance Costs
General Insurance

My husband and I want to co-own or lease a vehicle with a friend, and we both have teen drivers. How would insurance work?

This is a unique situation, but one that you can still work around. If you finance or lease the vehicle, you will need to use the same address for the vehicle and the insurance policy.

Car Insurance Costs

Does the length of time you've owned your car affect car insurance quotes?

It can come into play for some companies. It is usually a very small rating factor if they look at this.

Car Insurance Costs

Am I being overcharged for my policy?

Many companies require that if you are married and live with your spouse, you must list them on your policy as a driver, whether they drive your vehicle or not. Since your wife is not licensed, I would suggest shopping around for a policy with a company that does not require that spouses be listed.

Car Insurance Costs
Insurance Companies

What are the best car insurance companies for drivers over age 65?

Drivers over the age of 60 are often seen as responsible drivers by insurance companies. Because of this, they often pay $683 less per year than the average driver for car insurance.

Car Insurance Costs

Why did my car insurance double?

It's possible that you may be incurring a surcharge for the out-of-state vehicle, but I don't know any company that currently employs this practice. However, the vehicle history you mentioned can change your rates.

Car Insurance Costs

Should senior citizens carry collision insurance?

Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most cases.

Car Insurance Costs

What happens if you can't afford full coverage on a financed vehicle?

Sorry to hear about the situation. Rates for 18-year-olds tend to be high to begin with.

Car Insurance Costs

Will there be a cost to remove a deceased from a car insurance policy?

I'm so sorry to hear about your loss. As far as your insurance goes, you should contact your agency and have them remove the driver.

Car Insurance Costs
General Insurance

Will an unreported car accident affect my premium?

If you were never cited for the accident and never filed a claim, there should be no insurance record of your accident. Insurance companies generally run two reports when you sign up for new insurance — your motor vehicle report (MVR) and another for claims history (CLUE). If they're clean, they should show no record of the accident and your rate should be unaffected.

Car Insurance Costs
Eligibility

How can I stay insurable with three accidents?

Sorry to hear about your situation. It's not easy to find competitive rates with that many at-fault accidents.
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