Allstate

You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.

Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle.

It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost.

Insurance companies generally require any household member of driving age be listed on a policy. Policyholders normally have the option, however, to "exclude" anyone they don't want added to their policy.

The issue might be that the policy covering your wife's ring was intended to provide coverage for your primary residence. Most standard homeowners policies require that you actually live full time in the house for which the policy applies.

What you would need to do is have a policy written in your name, add the person who drives you around, and have yourself excluded from the policy. So the policy would basically be yours but you aren't covered as a driver so you shouldn't impact the rate as a driver.

It really will depend on how your previous accident was categorized. If you were considered to be at fault in the previous crash then your accident forgiveness was likely used during that particular claim.

If you're just looking for liability coverage then you should have multiple options. Unfortunately some carriers don't offer coverage for vehicles older than 1982, but there are some that will insure your vehicle.

While I can't say with a certainty, it sounds like you were set up for EFT (auto-draft) payments with Allstate so you didn't have to worry about calling in or mailing a payment. Unfortunately with EFT options, it may not be possible to stop a scheduled payment draft depending on when the payment is set to be withdrawn.

Insurance companies are in business, primarily, to make money. When a customer files multiple claims within a certain time frame (usually 3 years), this begins to cost the insurance company more money than they are receiving from that customer.