Will carriers see other car insurance policies in my name?

It's likely that your car insurance company will see if you have car insurance with another company. Most carriers run reports for discount purposes to see if you are already insured.

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Eligibility

Can my husband add a car that is in my name to his insurance policy?

Thanks for your question. Your husband should be able to add your vehicle so long as his insurance carrier is alright with the change.

Eligibility

Are 911 dispatchers eligible for insurance discounts as first responders?

Every insurance company has different guidelines and available discounts, so it's hard to give a blanket statement about your eligibility. That said, The Zebra can quote you with several companies at once, giving you the chance to compare the best rates available.

General Insurance

Can I pay for all my insurance policies at once?

Each policy would be separate. They would take out a different payment for each policy.

Coverage & Claims

Will I lose my accident free discount if I file a hit and run claim?

You will lose this discount and most likely your rates will be impacted if you file a claim. How much your rates will be impacted depends on the types of coverage you have and what coverage pays out to fix your car.

Car Insurance Costs
Insurance Companies

Auto-pay was enabled without my consent

First things first, Michigan car insurance rates are notoriously high. This has to do with the fact Michigan is a no-fault state with unlimited Personal Injury Protection.

General Insurance

Why do certain jobs pay less for car insurance?

The discount you are referring to is known as an "Affinity" or "Membership" Discount. Basically, insurance companies use historical data to prove that certain occupations equate to less risky drivers.

Eligibility

My ins co gave me an accident free discount when I've had an accident

It might depend on what your new company is referring to as an "accident" and what you consider to be an accident. For example, your insurance company might not consider not at-fault accidents when they created this discount.

Car Insurance Costs
Coverage & Claims

If I wrecked my daughter's car and she is covered on my policy, how do I keep her rate from increasing?

The first thing I'd like to address is the concern about your daughter's portion of the premium increasing. Since you are both covered on the same policy the overall premium is going to increase if a claim is filed.

Car Insurance Costs
Motorcycle Insurance

If I am buying car insurance and already have motorcycle insurance, will I be eligible for a prior insurance discount?

With the majority of companies, a prior insurance discount for auto coverage is based on being previously insured under an auto policy. Unfortunately most companies won't consider an existing motorcycle policy to be sufficient to qualify for a continuous insurance discount.

Car Insurance Costs
General Insurance

Will my insurance company give me a discount for driving a “green” car?

First, let me say that each insurance company is different. While there are many commonalities between companies, especially concerning coverage, it's impossible to guarantee that you will get a discount, much less a lower rate, for purchasing a hybrid car.
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