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.

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Eligibility
General Insurance

Can I get insurance for a car my mom owns?

You are able to get insurance on the vehicle. Most likely, she will still need to be listed on the policy even though she doesn't drive because she owns it.

Eligibility

My husband can no longer drive, does he have to be on our policy?

In Pennsylvania, like most states, require all members of the household above driving age to be added to policy. However, since he is no longer driving, your insurance company may allow you to exclude him from your policy.

Eligibility

Can I get auto insurance for low-mileage driving due to disability?

Because California uses mileage as one of their biggest rating factors, she should be able to find insurance that can accommodate her needs. However, she would need to show proof of how much she drives.

General Insurance

Can an insurance agent ask a driver if they have a disability if they think it may have contributed to a car accident?

Normally if a driver has a medical condition that makes it unsafe for them to drive, their doctor will notify the DMV and their driving privileges will be limited or revoked for safety purposes. A handful of insurance companies do require that their agents confirm or inquire about medical conditions of any drivers listed on the policy that may make them unsafe on the road.

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Eligibility
General Insurance

Do I have to list my disabled spouse on my Virginia auto policy?

Most, if not all, insurance companies require that any household members of driving age be listed on your policy. In most states, however, you have the option to exclude household members so they don't impact your rate and are not insured under your policy.

General Insurance

Can my mom lower or cancel her insurance if she no longer plans to drive?

Unless there is a loan on the vehicle and the bank is requiring that she have physical damage coverage, she can carry the state minimum for the purpose of keeping the car legal. If she wants to completely cancel her policy then she would need to turn in the vehicle's registration tag to the state.

General Insurance

Can I put my insurance on hold due to temporary disability?

Technically, you can cancel your car insurance at any time. However, canceling your policy will result in the loss of a Prior Insurance discount when you go to purchase another policy in the future.
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