Eligibility

Husband is in prison, how do I handle the car insurance?

You can exclude your husband from the policy if he is not driving the car. This means he would not be covered to drive but his driving history and status would not impact your rates.

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Car Insurance Costs

Does car insurance drop at 21?

There are several factors to consider when it comes to insurance rates and your age. No one company rates the same.

Car Insurance Costs

Can I pro rate a car if I add it to existing policy?

You are correct. They will prorate the change to the plan and add it to the existing term.

Car Insurance Costs

Getting a new insurance quote affect current rate and credit score

Your current insurance company will definitely not be contacted. The only time your company would be contacted is when you call to cancel your policy.

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Coverage & Claims

Why does a not-at-fault accident affect my insurance?

Most people understand that if they were at-fault in a car crash then they will likely see an increase to their rates. Unfortunately, not-at-fault accidents can also affect the rate that you pay for car insurance.

Coverage & Claims

Can my ex add me to their policy if I don't consent?

No. I would call the insurance company he has his policy and speak to a manager or customer service representative.

Car Insurance Costs

Am I paying too much for car insurance?

There are a lot of things that go into your car insurance premium - some things you can and cannot control. California is a pretty expensive state to shop for auto insurance given the population size and uninsured motorist population.

Car Insurance Costs

Can I use my parent's address if my college zip code is causing my rate to increase?

The zip code where the vehicle is primarily kept is what needs to be used for insurance purposes. Depending on your age, company, and residential state, you may have been able to stay on your parent's policy, but since you now live off-campus you will have to use the address where you live.

Car Insurance Costs

How do I help my father lower his rate if I'm on his policy and have accidents?

One thing to keep in mind is that accidents occurring more than 5 years in the past should have no impact on your current insurance rates, so you are definitely outside of that window. Concerning your speeding ticket, if you have not yet been to court then it most likely has not been added to your driving record, meaning you shouldn't be penalized for the violation if you purchase insurance coverage before your court date.

Coverage & Claims

If I file a claim where my friend wrecked my dad's car, will her insurance rate go up?

Technically speaking, filing a claim would not result in a "point" on your friend's license because insurance companies do not issue "points" to the DMV. Points are the result of tickets and accidents where a police officer was called to the crash scene or wrote a citation.

Car Insurance Costs

Why is my insurance so expensive for a 2007 Jeep Grand Cherokee?

Insurance rates are influenced by many different factors. If the accident was considered at-fault then that likely has a significant impact on your rate.
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