Car Insurance Costs

I need car insurance for a bad driving record in OR

There's a couple of things going on here. First, it is going to be hard to find cheap car insurance if you have a lot of accidents on your record.

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Car Insurance Costs
Driving History
Eligibility

Finding car insurance with a long violation and ticket history

Even with a bad driving record, there are still plenty of options out there for cheap rates and excellent coverage with your car insurance. In fact, you can find most of them with us, at The Zebra.

Car Insurance Costs
Eligibility

PIP claims are keeping me from getting car insurance

It's hard to give advice for this outside of look at as many companies as possible. Because of the nature of risk associated with customers with PIP claims, car insurance companies either won't write you a policy or will charge you a very high premium.

Coverage & Claims

Do I still report an at-fault accident if I wasn't charged?

Absolutely! Plus, most companies require you report any accident even if a claim isn't filed. Furthermore, since you caused harm to someone else, you are legally responsible for the medical bills.

Eligibility

How do we get insurance rate down after dropping bad driver from policy?

Simply dropping him from most policies should be sufficient to lower your rate. For most companies, the change in premium is immediate after you've added/removed a driver or vehicle.

Eligibility

Can I be added to my boyfriend's policy with my vehicle?

The answer would depend on where you live or park your vehicle the majority of the time. If you live with your boyfriend, you should be able to be added to his policy.

Coverage & Claims

I can't find insurance with my son's driving record

There are a couple of things working against you here. Personal Injury Protection claims are considered high claim payouts by insurance companies and having multiple on your insurance record is a huge risk factor to insurance companies.

Eligibility
General Insurance

Can my parent's drop me from their policy?

There are a couple things to think about here. First, your parent's insurance won't be affected until the next renewal.

General Insurance

Am I required to report my DUI?

Your insurance company will most likely pull your Motor Vehicle Report at your next renewal and most likely see your DUI. Moreover, if your license was suspended, it's likely your DMV will report to your insurance company.

Coverage & Claims

My 17yo son lost his license, what do I do with the insurance?

The decision will ultimately be determined by the policy rules of your insurance company. Because he won't be driving for 6 months but is of driving age, your best bet would be to see if you could "exclude" him from your policy for the duration of his suspension.

Eligibility

Do I add my ex wife from my insurance?

If they are still legally married, she would need to be listed on the policy. But, if she's not using the vehicles or doesn't own them, she can be listed as an "excluded driver" and thus your policy won't be affected.
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