Car Insurance Costs

What do insurance companies use to determine high risk drivers?

Every insurance company rates drivers differently. There are also other factors, such as credit, continuous insurance history, and age that can determine you to be a high-risk driver.

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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.

Eligibility

How can I enroll just my child to another insurance policy while I stay with Geico?

This can be tricky. My best recommendation is simply to contact GEICO.

Car Insurance Costs

Will being an older driver with poor credit affect my car insurance rates?

You are correct in that having a poor credit history will raise your rates. Age can be a factor as well.

Coverage & Claims

If I have a gap in insurance, is it better to join my girlfriend's car insurance?

It's certainly possible that being added to your girlfriend's policy could be cheaper. For instance, if you live with your girlfriend and she has an established policy (and a good driving record) she will likely have a better rate for having continuous insurance.

Insurance Companies

What is the best insurance company for a new driver?

Unfortunately, there's not really an easy answer to this. There are many different factors that go into calculating your rate.

Coverage & Claims

Do I need an sr-22 if my license is suspended indefinitely and I live with my girlfriend who holds the policy?

You will need to check with the DMV to see if you are required to have an SR-22. In most cases, you would get an SR-22 to get your license reinstated.

General Insurance

Can't get insurance after PIP claims in Florida

This really depends on how many PIP claims you have. If you have one, there are still several companies that will insure you but some require more coverage and other requirements.

Car Insurance Costs

I need car insurance for a bad driving record in OR

There's a couple of things going on here. First, it is going to be hard to find cheap car insurance if you have a lot of accidents on your record.

General Insurance

Filing a claim 24 days into a car insurance policy

Most companies will cancel your policy if you file a claim within the first 30 days of the policy. The reason is exactly what they told you.

Car Insurance Costs
Eligibility

PIP claims are keeping me from getting car insurance

It's hard to give advice for this outside of look at as many companies as possible. Because of the nature of risk associated with customers with PIP claims, car insurance companies either won't write you a policy or will charge you a very high premium.
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