discount

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

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.

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

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.

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.

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.

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.

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.

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.

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.