Eligibility

Am I still considered high risk if I have not had my own insurance for years, but have been covered and driving on my job's company insurance?

Not having a personal auto policy doesn't necessarily always categorize you as high-risk, but potential insurers will see your lack of one as a lapse — which will, in turn, make your rate more expensive. Learn more about how a lapse can affect your premium here. Generally, insurance companies will not accept business or commercial insurance as proof of prior insurance.

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

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.
Most Recent

General Insurance

Should my husband and I have separate auto insurance policies?

If your husband is able to get a cheaper quote due to his cleaner driving history, it would be a good decision to have separate policies. I would suggest you shop around for quotes as well to see if you can get a lower rate.

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.

General Insurance

Do I need to put everyone in my household on my policy?

It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.

General Insurance

If I purchase a policy through The Zebra, am I able to get covered the same day?

Yes, we are able to start a policy with an insurance carrier for you right away. Coverage would take effect immediately.

General Insurance

When do I need to add my child with a learners permit to car insurance

You should add your daughter and the new car to your policy if she'll eventually be driving it once she gets her license. This will prevent the insurance company from having any reason to deny a claim in the event of an accident.

General Insurance

Do I have to list my spouse as a driver?

You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.

Eligibility

Is it fraud to list an ex-spouse on your car insurance for a lower rate?

If they are legally divorced then he cannot list her on the policy if she does not drive his cars. If they are not legally divorced then he will need to list her on the policy but exclude her the policy if she is not driving the vehicles.

Eligibility

Do I need a consent form to remove husband from car insurance policy?

There isn't a consent form. What I would recommend is contacting the insurance company and advising them of the situation to see what they can do to remove you from the policy.

Eligibility

How do I handle car insurance for my 40yo daughter?

Since she lives with you and will be driving your car, you will want to add her as a driver to your current policy. This is typically the most cost-effective as well since you already have a policy established.

General Insurance

What's max amount of cars allowed on state farm insurance policy?

To get an exact answer you would want to contact State Farm directly. Most companies will allow four cars on a policy.
Icon-Agent
Ask an Agent

Get free insurance advice you can trust.

Ask a Question