Car Insurance Costs

How much would my car insurance be to transfer to a new individual policy from my family's insurance?

It's hard to give you an accurate quote without having more information. There are a number of factors that come into play when determining your premium and each insurance company may weigh these factors differently when determining what you pay.

Compare auto insurance rates and save up to $670 per year!

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Coverage & Claims

My car got damaged by a hit and run vehicle that was be driven by a family member. Who pays for the damage?

This can be a tricky situation. If there is a police report and proof the vehicle was stolen, usually your claim will not be covered by the owner of the vehicle's insurance.

General Insurance

Where do my granddaughters need to register their vehicles for college?

Your granddaughters will need to get insurance in the state that the vehicle kept 50% or more of the time. The car also needs to be insured in the state that the vehicle is registered in.

General Insurance

Can I carry liability insurance for my mother-in-law's vehicle even though she does not live with us?

The rules for having a non-household member on your policy depends on the specific insurance companies rules and guidelines. Some companies do not like to insure a resident who does not like in the household.

General Insurance

Do I get a discount for foreign driving experience?

There are not companies that will offer a discount based on foreign driving experience. There are several companies that will not rate your daughter higher for only having a license for three years.

General Insurance

Can an insurance company refuse to remove a child from my policy?

All members of your household, that are of driving age, need to be listed on your policy. You can either list them as a driver or you can exclude them.

Coverage & Claims
Eligibility

Can my husband be liable for his ex-wife's uninsured vehicle?

In this situation, yes - your husband and his ex can be held liable for the damage. It's important to note that liability insurance follows the driver, not the car.

Coverage & Claims

Does my insurance cover the damage to trailer even though I wasn't hauling it?

The claim should be covered by your insurance company as long as your policy includes permissive use. Permissive use means that claims will be covered if you give someone (who doesn't drive the vehicle regularly or lives with you) permission to drive the vehicle.

Coverage & Claims

Will my son's accident on my policy affect my rates?

It will impact both of your rates. He will show an accident on his driving record.

Eligibility

Can my mom add me and my car to her policy?

There's a couple of things to consider before your mom can add you to her policy. Do you live with your mom?

Car Insurance Costs
Eligibility

Can my insurance company make me carry insurance on my 20yr son living w/me?

Yes, everyone that lives in your household that is of legal driving age needs to be listed on the policy. The reason is they have access to the car.
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