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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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.

Coverage & Claims

What happens to the rest of future premium if policyholder dies?

The estate should get a refund on the prorated premium that was paid for before the policy canceled. You will need to contact the insurance company right away to cancel the policy.

Eligibility

My insurance was payroll deducted but my car was repo'ed and it's still deducted

Your best bet is to contact the insurance company with proof the very was repossessed at the time you claim. They may be able to refund you the amount that was deducted from your paychecks.

General Insurance

Can I get a $0 deductible?

For a zero dollar deductible, you'd have to find a specific company that offers it. Consider, however, that your premium and deductible are inversely related.

Car Insurance Costs
Coverage & Claims

If I wrecked my daughter's car and she is covered on my policy, how do I keep her rate from increasing?

The first thing I'd like to address is the concern about your daughter's portion of the premium increasing. Since you are both covered on the same policy the overall premium is going to increase if a claim is filed.
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