buy car insurance

buy car insurance questions and answers

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Q: If I bought car insurance in one state and then move to different state do I have to buy new insurance?
I bought insurance for the year in one state but just moved to a different state where I will have to register my car again and get a new license plate. If I already paid for the year, do I have to get new insurance? If I do have to get new insurance, can I get my money back because I didn't drive for the whole year while under my insurance company's policy?

A: NO

Q: Should I buy car insurance or not?
I am a teenage driver of 16. Insurance is very high for a teenager. My parents have Allstate Car Insurance for four of their cars including a Toyota Corolla which im going to be driving. The Corolla is covered by AllState insurance. I have a California Driver's License and live in California. About 6 months ago, my mom asked the insurance company whether the insurance would cover the car if she lent the car to someone and the insurance company said that they would cover the car as soon as the person who borrowed the car has a VALID DRIVERS LICENSE. I have a valid drivers license but I am under 18 (I am 16). The insurance person did not say anything about age. My question is whether it is necessary or not to buy insurance for myself. It will be very expensive and I do not want to pay for it but I will If i have to. Do I have to get my own insurance for the car or not? If I dont buy insurance and I drive the corolla and get pulled over, am I okay or will I have problems? Also if I got into an accident, will the insurance cover me?

A: Having worked for Allstate in CA, here's what will happen in your WHAT IF scenario: You 'borrow' mom's car and have a crash. It'll be covered, but your agent and underwriting will be notified of your driving the vehicle and you will be added to the policy and the rate for insurance will be adjusted accordingly. Also, what you're asking amounts to insurance fraud and if you are always 'borrowing' the car and have multiple wrecks...the entire policy can be rescinded for misrepresentation. You're basically asking if you can be insured for free, and the answer to that is NO. The permissive use portion of the policy isn't meant for resident relatives with a valid drivers license, regardless of age. It's meant for people who NEVER drive your car, like you're too drunk to drive and your friend drives you home. That is the spirit of the clause. If you are driving those cars, you have to be added to the policy as a listed driver.

Q: Is it possible to buy a car insurance without owning a car, and then use it for renting a car?
I live in India and frequently travel to USA. And when I go rent a car, pay almost double the rental because I have to buy all the coverage. I was wondering if it is possible for me (or my company) to buy some sort of protection policy, using which I can rent the car and not have to buy insurance from them.

A: As an insurance agent, I can tell you that it is possible to buy auto insurance without owning a vehicle. It's called a "non-owner's policy" and it covers the driver no matter what car he is driving. Not every insurance company offers this type of policy, but many do, and it's worth looking into. Your best bet would be to contact an independent insurance agency, since they represent many different companies, and ask if any of the companies they represent offer non-owner's policies. The cost should be much cheaper than buying insurance from the car rental agency. Hope this helps!

Q: Can you buy car insurance for yourself if you are under 18?
I'm under 18 and my boyfriend wants to buy a car for us. The car will be under his name. He doesn't have a license so he will need me to be the sole driver of the car. Is it possible for me to buy car insurance since I'm underage?

A: Most insurance companies require you to be atleast 18

Q: I'm 17 years old and do I have to buy car insurance if my parents sit next to me?
I rarely drive so i don't want to get car insurance yet, but sometimes I want to drive around with my family. So do I have to buy car insurance if my parents sit next to me in the car?

A: my kids were covered under my policy when they drove my car. check with your insurer and see if that isn't so.

Q: Can a Canadian Citizen buy car insurance in America and how?
Is it possible for a canadian citizen to buy car insurance in america, if so, how does he do that? My brother lives in america and I live in canada, I want to get car insurance from America as it is cheaper. Is that possible and is it legal?

A: The location is what dictates the rates so if the car will be in Canada, your rates would be the same anyways. You could buy insurance in Africa but if the car is going to be in Canada, same rates apply.

Q: what if i don't have a social security number, can i still buy car insurance?
I am an illegal alien here in chicago, illinois but i have a car that i drive to and from indiana (about a 40 minute drive). I want to purchase car insurance but i do not know if i can. what do i need to buy insurance in illinois. do you know if i can purchase it online or which insurance company would sell me an insurance policy? please help as soon as possible. i might be illegal BRATSO but at least I can spell correctly.

A: Magnum Insurance works in the Chicago market for people in your situation.

Q: which company is the best to buy car insurance from?
I just bought a new car, but i don't know where to get car insurance with the least amount of money.

A: Insurance is very individually based so a company that offers me cheap insurance may offer you a high price for insurance. Because of this the best thing to do would be to get an online insurance quote at http://www.auto-insurance-knowledge.com/24-hour-insurance-quote-auto.html This will compare all companies in your area and find you the lowest prices

Q: If I never had a car (or car insurance) before, do I need to buy car insurance before buying a car?
So I'm getting ready to buy my first car. It's located in the next town over. But if I just go over and pay cash and get it, there wouldn't be any insurance on it. It's illegal to drive without insurance. Don't I need to drive without insurance first? If so, how would I explain to them that I don't exactly have a car yet?

A: OK, if you are for sure going the buy a car you have picked out, call the dealer ship get the m ake model and VIN if you can, then call around for insurance quotes on the car . take the best offer, your insurance company will instruct you on what to do as well as the dealership. or you may delay it all by buying the car and having to wait till you get insurance or have it towed to your home. its up to you but i would prefer to call insurance companys first hand then you will have it ahead, if you dont know what car your buying but have one in mind, get a qoute as well. but i say have the kind of car your wanting for sure and looking in the market for it, that way you can hand over $ to an insurance company ahead as a down payment to drive your car home....

Q: How do you buy car insurance online if you want to drive your dons vehicle?
He has full coverage but I am excluded on his policy because we have the same address. I no longer have a car so I don't carry insurance anymore but want to be covered if I need to drive my son's car.

A: all you have to do is have your son add you to his policy....he has to to do this because he is the policy holder....and you having the same address has nothing to do with being on his insurance....i did the same thing with my daughter her car was in my name and i added her as a driver simple as that!

Q: If I Buy Rental Car Insurance, do I or My Personal Car Insurance Pay Anything?
If I pay for insurance offered by the rental car company, do they pay for everything in the event of a collision? Or, does my insurance still have to pay some of the liabilities? Do I have to pay my deductible? I am simply trying to understand how this works. I have no plans to buy the insurance since I have my own insurance and my credit cards also pay.

A: If you buy their full coverage, your insurance does not have to pay. As you already know, it isn't necessary to buy their insurance if your insured car is parked and your credit card provides coverage.

Q: how do I advertise to people in California qualified to buy car insurance?
For the best insurance coverage all you need is a fax machine and a genuine need and intention to buy auto insurance now.

A: Have you tried local strategising? Look at the site below..

Q: What are we paying for when we buy car Insurance?
Does any one notice that we shell out thousands of dollars from our income for car insurance, and the insurance company gives us nothing back? Sure, if we get into a car accident, they cover the costs, but then they raise your rate. And you are paying far more than the cost of the accident anyway. And then if you don't get into an accident, what is all that money for? They don't give it back.

A: You are paying for protection against financial loss. If you are in an accident, where you are at fault, you can end up being liable for thousands and thousands of dollars in damages. Most of us cannot afford to write a check for $100,000 or more. Insurance prevents people from losing everything. Insurance companies take the risk of loss. Most people do not have a claim, but the premiums collected are used to pay for those that do.

Q: Can I buy car insurance direct from the provider or do i have to go through a middleman?
Like i know in mortgages, u can buy a mortgage thru some banks directly and with other banks u have to go thru a mortgage broker, is it similar in insurance and if so who can i go thru directly? do the insurance retail companies mark up the insurance before they sell it to the general public? i live in florida. thanks

A: Most people prefer the advice and counsel of a good agent but if you feel that you are a knowledgeable auto insurance buyer here are some companies that write direct. GEICO Progressive Unitrin Esurance 21st Century AAA Mercury P.S. Esurance is not an insurance agency, it is an insurance company, a division of the White Mountains Insurance Group Ltd.

Q: Should you buy car insurance from the car rental company when you rent a car?
I already have fully covered auto insurance for my car with progressive.

A: Depends if your current insurance will cover you if you wreck the rental. I know for a fact that mine does (State Farm) but am unsure about Progressive's policy. It is a quick phone call and they will be able to tell you. If they will cover you it is best to just not pay the extra. That insurance they are selling is only liability. So most cases they will try to sue you for the cost of their car and definately will not cover any medical expences. Just call Progressive and they will be able to give you a fast answer.