Car Insurance Costs

I'm moving from TX to WA, where car insurance is a lot more expensive. Why is it so much and what can I do to lower my premium?

Insurance is regulated on the state level and every state has its own insurance laws. For example, Michigan residents are well-known to pay the most expensive premiums in the country due to the state's coverage requirements, which include unlimited medical coverage for the lifetime of car accident victims. Interestingly, our data suggest that the average rate in Washington is slightly less than the average in Texas ($1,368 versus $1,415, respectively).

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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.

General Insurance

Can my ex-husband insure my car in his name or on his policy?

As long as your husband is going to drive the vehicle and park it as his residence, he can insure your car under his name and policy. Because you own it, you would need to be listed as an additional interest in the policy.

General Insurance

What are my options if I am paying over $700 a month in car insurance?

Unfortunately, it would appear that your girlfriend's insurance company sees her as a high-risk driver. This would explain her coverage being dropped and the new policy having expensive rates.

Car Insurance Costs

How can my daughter, age 19, get affordable car insurance?

Her best bet, because of her age and high cost of insurance in Florida, would be to get added on to a family member's policy of the household where she lives. Once she has been insured for at least 6 months she should qualify for lower rates because of the discount for being continuously insured.

Car Insurance Costs

Will a paraphernalia charge impact my auto insurance rate?

Tickets that impact your auto insurance rate are generally moving violations, so you probably don't have to worry about this showing up on your driving report. The exception would be if your drivers license was suspended because of the ticket, but the suspension is what would impact your rate and not the ticket itself.

Car Insurance Costs

Why is car insurance so expensive in Wyoming?

Our State of Insurance Report actually shows that the average premium in Wyoming of $1176 is below the nation average of $1323 per year. Since rates are partially based on the number of claims and damaging whether events in certain areas, it's possible that your rate is being impacted by things that are out of your control.
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