General Insurance

If my girlfriend and I get auto insurance together (we live together) does it matter who the main owner of the policy is?

You will both need to be listed on the insurance policy to be eligible drivers. I would put the main policyholder as whoever will be the titleholder and registering the vehicle.
Dec 22, 2019 New York City, NY

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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.
Jun 5, 2019 New York, NY

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.
Jun 2, 2019 New York, NY

Homeowners Insurance

How does HO-2 coverage compare with an HO-5 policy?

An HO-2 policy provides very basic coverage for your home and personal property. It covers the home when the damage is caused by specifically named events (perils).
May 6, 2019 New York, NY

General Insurance

How much would insurance be for someone who just got their license and is 21 years of age?

There are many different factors that go into calculating your rate. According to our State of Insurance report, the national average premium for 21-year-olds in 2018 was $2,461 and in New York, the average premium for drivers between ages 21-29 was $2,227. We can help you look for quotes from dozens of insurers at The Zebra to help you compare and find the best rate.
May 2, 2019 New York City, NY

Coverage & Claims

Who pays for hit and run damage if there's no UMPD coverage in NY?

Uninsured Motorist Property damage is not a coverage that is offered. If the policy has collision coverage you can use that coverage to have the damages repaired.
Jan 20, 2019 New York, NY

Coverage & Claims

What is acceptable proof of MVAIC?

You really need to contact MVAIC to ask what is considered acceptable proof. The police should be able to provide you with a police report.
Jan 18, 2019 New York, NY

General Insurance

At what age does car insurance decrease?

While your insurance premium is calculated by a lot of variables, your age and driving experience/history are big factors. If you're a young driver, you can expect your age to impact your rate until you're 25.
Mar 11, 2018 New York, NY

General Insurance

How do I sell my car to an out-of-state buyer?

You will need to transfer the title of the vehicle to the new buyer. It is important that you fill in all of the appropriate areas required in the title certificate when selling the vehicle to another party.
Jul 29, 2017 New York, NY

General Insurance

Am I obligated to give my insurance info after an accident if no damage was caused?

It would probably be in your best interest to provide your insurance information to avoid any potential legal issues, but I would also let their insurance company know that they had existing damage on their vehicle. Luckily, you shouldn't have to pay anything out of pocket, but the fact that you made contact with their vehicle means you will be considered at fault.
Dec 3, 2016 New York, NY

Coverage & Claims

If someone borrows a car and there is an accident, should the claim be filed with the driver's insurance or with the car owner's?

Ultimately, the decision to file a claim or not will be up to you and your dad. You can use our State of Insurance report to give yourself an idea how much an At Fault accident will affect your rates, but there is no way to tell with 100% accuracy until you are charged for the accident by your company.
Sep 6, 2016 New York, NY
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