auto insurance rate

auto insurance rate questions and answers

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Q: Is it OK to lie about being married to get a lower auto insurance rate?
My insurer gives me a much lower auto insurance quote if I say that I'm married. I could say that my imaginary partner doesn't even drive. Are there any consequences to listing myself as married? Can it come back to bite me?

A: No. They will catch you sooner or later.

Q: Would I get a better auto insurance rate if I combine my car with my parents current policy?
Only catch is I'm 28 years old going on 29. I wasn't sure if there were any age restrictions on combining policies with my parents who are senior citizens. I'm simply looking for a better rate becuase my record is terrible. My parents live in my home as well so we share same address. Thank you. Do I have to put the car in their name if I wish to insure the car under their policy?

A: Overall, between you and your parents....you are much better off keeping the policies separate. If you try to hide your record by putting the car in your parents name and then you just using the car....that will eventually catch up to you... Insurers have a very good system of using public, claim and other records to cross check what they call "additional drivers" that are listed to a particular policy. You are already going to run into this because you have the same address. Once they catch up to you, your record will cause your parent's rates to go up if you are driving 'their' car. A better route may be to try to get some of the offenses against you expunged. If you haven't yet plead a pending offense, try to have it reduced to a 'continuance for dismissal' which is an agreement that you won't get any more tickets for one year at which time the orignal ticket is dropped. Once you clear some offenses off your record, your rate will likely go down. Another option to save $ would be to try to bundle your coverage with your homeowner's/renter's insurance. Sometimes a company that wants to keep the bundled coverage will allow a poorer driving record just to keep the business. You might even try to see if they'll do that for life coverage (like buying a small low cost term policy). A company that you are sending a lot of premium to doesn't want one ticket to get in the way.

Q: How do you get cheap auto insurance rate and from what company?


A: Try Geico they seem to be the cheapest these days

Q: Will this affect my auto insurance rate?
I accidentally hit a poll, no one was injured. Only damage to my front bumper. I went to a body shop and the estimate is ~$2000. My deductible is $500. Should I go through my insurance or just pay it out of pocket? Will a claim automatically make my insurance go up? I am a 29 y/o married male with a clean driving record.

A: yes it will go up and will stay in your record for 3 years. this insurance companies are just ridiculous.

Q: In Florida, How much (if any) will my auto insurance rate increase with 3 points on my license?
I got a ticket for improperly changing lanes and I'm electing not to go to traffic school (since I only have one more chance for traffic school based on two times/year) for such a minor offense. Would it make sense to skip 8hr school ($70.00) or would I end up paying more in the long run because of my 3 points?

A: The points you get on your license have NOTHING to do with your insurance. You will be charged for a conviction. Not having those points will keep you further away from losing your license, but if your not in danger of losing your license I wouldn't bother with the course. The ONLY way to not get hit for the violation on your insurance is to be found NOT GUILTY, and pay no fine. As far as how much your ins. will increase, every company does it differently. It may go up a lot, a little or not at all. Call them and ask, they should be able to "quote it"

Q: Will a comp claim cause an auto insurance rate to increase?
Scenario: A drunk guy vandalized someone's car in a fit of rage. I have a few questions... #1. Do the police need to be involved in order for the victim to file a comp claim with his auto insurance? #2. Can a comp claim cause the victim's insurance rate to increase? After the incident, the drunk guy (sobered up!) apologized and offered to pay for the damages he caused... problem is the victim is handing out an outrageous estimate for the damage. He claims he doesn't want to file an insurance claim so that his rates won't increase. I understand with comp claims there will be a deductible to pay, but will the rates increase? Thanks! #3.... forgot to add this... will insurance pay for a rental while the car is in the shop with a comp claim? I'm actually pretty sure that there is a police report... but no formal charges were filed, which is why he is wanting to avoid the whole police thing... What happened specifically is that the rear windshield was broken... there were car seats inside that needed to be replaced b/c they were covered in glass. The victim has handled over an estimate of almost $3000!!! For a rear windshield and two car seats. He isn't wanting to file an insurance claim due to fear of a rate hike, but the drunk guy doesn't want to shell out $3000 for a $500 or less fix. haha... i'm not the victim... and i'm not the drunk guy... i'm the drunk guy's friend (really, i am!!!)

A: ok ....friend of drunk guy 1. The police do not need to be involved in a comp claim unless it is a vehicle theft loss 2. No, insurance rates do not go up on comp losses (unless you have 4 or 5 of them, then the Co. might drop you as a high risk) 3. Rental is questionable. it depends if the other person purchased it and if his policy covers rental for comp losses or only collision losses. 4. There is no guarantee that the Insurance Estimate will be any less. IF the other person is adamant that he will not go through his own company, make him get several estimates. Keep your friend away from cars when he is drunk!

Q: Is there any discounted auto insurance rate for a new car stored winters that will not be driven?


A: Yes, just inform your current insurance carrier that the car is stored, they will remove the liability portion, and just leave the loss/damage portion. Since it's in a garage, it won't be causing accidents, but it could get stolen or destroyed in a fire. The loss/damage portion is very small compared to the liability portion of your policy. Any insurance company will provide that form of policy.

Q: Will my auto insurance rates go up if the accident is not my fault?
I live in texas and a year ago, rear ended a vehicle in a low speed accident. They made a claim, but I did not. My insurance rates did not go up. Today, I was hit from behind on the ice. The vehicle, a jeep, drove away as I was trying to gain traction and right my vehicle to avoid another collision. I did not get their license plate. I have no choice but to file with my insurance company. Will my auto rates go up? And would it have been any different if my vehicle had been hit in a parking lot without my being there?

A: It is a difference as you were in control of the vehicle. Being on the roadway makes it a not at fault accident. In the parking lot, it is just a hit and run. It would be like whether or not you were parked at your house or driving down the road. Either way, you rates should not go up at all. It was a not at fault accident that you would couldn't control. If your rates do go up, I suggest finding a company that will not raise your rates if you have an accident that is not your fault.

Q: Do you know that many auto insurance companies base your rate on your Credit Score>? Should this be legal>?
I just feel that if the State is going to require by law auto insurance ,, then your credit should not have anything to do with your rate! Many companies don't even tell you they are running your credit, but they do! This needs to be changed ! what's next they going to charge us what the wish on our next Big Mac based on our credit score?

A: First off, I have been a claims adjuster for 20+ years. Using a credit report to help determine rates is pure BS. As another poster stated many people with good credit suck at driving. Their the ones who are wealthy and too busy to pay attention while driving. I have investigated 1000's of accidents and there is absolutely no correlation between bad credit and bad driving. I agree there is a correlation between good credit and the insurance company getting paid on time. That is their main concern. Using the credit report crap to charge higher rates is just a bonus to the company. And folks let's be clear about the myth that insurance is required in all states. It is NOT!! It certainly should be but it is not. People who are not in the insurance game (like nan6872) assume that insurance is required in all states because that is a logical conclusion, except when dealing with insurance and vehicle laws there is not much logic applied. There are many states that do not require mandatory insurance but instead require "financial responsibility". For example I handle a lot of claims in Wisconsin. There are tons of insured drivers there drinking their great beer and driving home. Insurance is not mandatory there, however if you have an at-fault accident while uninsured the Dept of Transportation will revoke your license and registration if you do not sign a contract to repair the damages you are responsible for.

Q: Would a married male receive a lower auto insurance rate?
Compare to a single male...

A: Depends on the insurance carrier. Some companies give a discount to people that are married, others do not. Also, you also have to consider the types of vehicles covered, the amount of insurance requested, the amount of deductibles, the years of driving experience of all drivers, and credit history to make a full comparison of rates for a married male to a single male. The company I work for does give discounts to married people. (And a quick note in response to Ron @ InsureMe. Not all insurance companies give discounts when a driver turns 25. At my company, you get the discount when you reach 3 and 10 years driving experience. So if licensed at 16, you would see discounts at ages 19 and 26...not 25.)

Q: Do MA auto insurance rates drop after three years of being insured?
Next year will make three years that i have had auto insurance through commerce insurance. I got a newer car this year and my rate went up $600. I was wondering if it was true that your rates drop after being insured for three years. And if they do is there a percent that they drop in MA.

A: You can compare how the insurance quotes would change, for example here - carinsurance.yoll.net

Q: Which insurance company offers the best auto and renter's insurance rate? What is the discount % if known?
Looking to switch insurance companies. I'm paying 277/mo (6 mo) and currently do not have renter's insurance. I have 2 accidents 2 1/2 years apart. My last accident was in Dec. 2007. My car was totaled and I know my rates are going to sky rocket. I'm thinking that adding renters insurance & taking defensive driving may help offset my expected increase. To specify, im looking for auto & renter's, not auto & home owner's insurance. Thanks.

A: check into Allstate for a combo coverage but check with someone LIVE and local

Q: How do I file an auto insurance claim and what exactly will happen to my insurance rate, deductible, etc.?
My windshield was really frosty but I only had to drive like 20 yards to get where I wanted. So like an idiot, I start driving and run into a fire hydrant. This damages the front right quarter panel, the right blinker, and it may have also damaged the axel or steering column because I couldn't get my car to move after that. What do I tell my insurance company? and am I going to have to pay anything?

A: First this is an at fault loss. You will be required to pay for your deductible, the insurance company will pay for the repairs that exceed your deductible. If the fire hydrant was damaged, the insurance will pay for that too. What do you tell them? What you wrote. BTW, there is no such thing as a right front quarter panel...it's the right fender, the quarter panel is in the rear.

Q: How much will one accident cause my auto insurance rates to increase and for how long?
I just had an accident and the repair estimate is about $2,000. With a $500 deductible it will save me about $1,500 if I file a claim, but how much will it increase my insurance premium? I know that no one can give me an exact answer, but maybe you have a rough idea. I think the rate increase lasts for 3 years in Texas.

A: I suggest you call a local auto insurance agent to help. Since I live in Wyoming I can't recommend anyone in Texas, but here is an online resource that can help you. http://www.autoadviceonline.com/Free-Auto-Insurance-Quote.html Good Luck!

Q: Is there a significant difference in auto insurance rates when males turn 25 years old?
I had a friend who worked in auto insurance for a few months, he said that it is all a myth, which is hard to believe. I live in California, and I wanted to get a nicer car when I'm older but insuance is going to be a killer.

A: your friend is right, its a myth. your rates get lower the longer you are licensed and have a clean driving record.