Driving History

I got a reckless driving charge in Indiana. Now I have a California driver's license. Do I have to report the reckless driving charge to California car insurance?

It depends on the exact rules for California and laws do vary state to state, but for the most part if your license is valid and you transfer to a new state insurance companies won't see prior activity. They will run an MVR for CA and only show info that is on that license.

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Driving History

Will a DWI in Canada affect my U.S. insurance rates?

If it is never tagged onto your license from the United States then reports will never show it. No company in the U.S.

Car Insurance Costs
Motorcycle Insurance

Will a comprehensive claim on my motorcycle affect my car insurance rates?

Your comprehensive claim will show up on your reports for auto insurance even if it was done for a motorcycle. The good news is if this is your first comp claim, it's considered not-at-fault, and most companies will not adjust your rates.

Coverage & Claims

Can a dismissed ticket affect my insurance?

The only likely scenario in which a dropped ticket would still affect you would be if there was an accident involved. If the ticket was dropped, but your insurance company paid out to any party for a claim, the accident would still show.

Eligibility

Do medical issues affect car insurance rates?

It's not likely that medical issues would cause a price difference. However, an insurance company could flat out say they will not cover him though if it affects his ability to drive safely.

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.

General Insurance

What does Rate Lock mean, and can I make adjustments to collision and comprehensive deductibles?

"Rate Lock" is a term defined by the specific company that is offering that type of feature — I believe it's Erie that offers this. This feature will "lock in" your rate, even if you file a claim, until changes are made to your policy (i.e.

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.

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.

Coverage & Claims

Will my son's accident on my policy affect my rates?

It will impact both of your rates. He will show an accident on his driving record.
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