Car Insurance Costs

Can an insurance agent charge extra added fees just for making payments via ACH or for a hard copy of my policy?

While I don't think your insurance agent is doing anything illegal, it's good practice for agencies to have fee disclosures. They can charge fees for services to make a few extra dollars but they should disclose it.

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General Insurance

Is accident forgiveness a good idea for me?

You might be a good contender for this policy option. Most lease contracts will require you to keep the vehicle in good condition.

Coverage & Claims

Can I insure my friend's car that I borrow?

As your friend already has a policy for the vehicle, you do not need to get another policy. You can have your friend add you to his policy as a covered driver.
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