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.
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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
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
Will having historical plates on my car lower the cost of insurance?
If you are going to have historical or classic plates you are going to fall into special types of plans. Personal auto plans that most companies offer will not adequately cover what you need.
Car Insurance Costs
Does it cost more to insure a turbo engine vehicle than a non-engine car?
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.
Coverage & Claims
What is the average cost of car insurance in Virginia?
That's a difficult question to answer. Below are some answers based on the information you have given me.
Car Insurance Costs
Eligibility
It is illegal to pay for someone else's car insurance
While it is not illegal to pay for someone else's policy, you might run into issues if she's on your policy as well. Car insurance is regulated at the state level and priced at the zip code level.
Coverage & Claims
Does car insurance cost less for a financed or owned car?
To my knowledge, no car insurance companies use ownership of the insured vehicle as a rating factor. The only way your premium would be impacted by having car loan is if the bank or dealership requires you carry additional coverage you wouldn't carry yourself for a vehicle you own.
Eligibility
Why is car insurance so expensive in Kentucky?
Kentucky is much more expensive due to their insurance laws. Indiana only requires you carry liability insurance.
Car Insurance Costs
Are car insurance quotes free?
You should never have to pay for a car insurance quote. Since auto insurance is so specific to each person, it would be impossible for companies to advertise a set price to take out a policy.
Car Insurance Costs
Do I really have to pay 2 months in advance for my car insurance?
There is no set dollar amount for a starting payment as rates vary by company and situation. It is common that your initial payment is more expensive if you were without insurance before you begin your new policy.