Car Insurance Costs

Do vehicles that have the IIHS's "Top Safety Pick Plus" award get discounted auto insurance or any other benefits?

Here is how the IIHS defines the rating differences between TSP and TSP+, according to the info found here. "To qualify for 2019 TOP SAFETY PICK, a vehicle must earn good ratings in the driver-side small overlap front, moderate overlap front, side, roof strength and head restraint tests, as well as an acceptable or good rating in the passenger-side small overlap front test.

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Car Insurance Costs

MIP at 18, I am getting it dismissed and expunged. Do not have my license yet, will insurance be affected?

MIP is a non-moving violation, which does not impact your insurance rates. When it comes to the cost, if you're around 18-20 you can expect your premium to be quite pricier than those paid by older folks.

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.

Car Insurance Costs

What's the average rate increase for a collision claim?

Sorry to hear about your accident. You shouldn't need to get a police report if you were at fault and will be filing as a collision claim.

General Insurance

Does auto insurance charge you based on assumption of travel?

Insurance companies will ask you approximately how many miles you drive but it is not a rating factor for premiums except in the state of California. California rates on mileage because they see it as a determining factor in how likely you are to get into an accident.

Eligibility

What happens if I lie about what age I got my driver license?

I understand that you might want to try and potentially save money, but lying to your insurance company isn't going to help. In fact, it could potentially even lead to your coverage being dropped.

General Insurance

Does moving from one insurance company to another raise your insurance premium?

Switching insurance companies won't necessarily raise your rates as long as it doesn't result in a lapse in coverage. Accidents and violations can stay on your record for up to five years, so your past infractions from six years ago should not affect your rates.

Coverage & Claims

Does being 50% or 80% at fault make a difference when it comes to insurance rates?

No. The percentage that you were at fault will not make a difference in how your insurance rates are impacted.
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