| My boyfriend is 50 years old and driving without a driver's license and without insurance too. I want to know how much will a ticket be if the police stop him in Montana? |
| Run away, run away fast. Just kidding. :) Montana requires that you are properly licensed in order to operate a vehicle. There a few laws in Montana that your boyfriend could have been cited under when caught driving without a valid driver's license. Here are the 2 most commo...
03/16/2010
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| How does the good student certificate work? |
| Many car insurance companies recognize and reward good students with an extra discount . Usually, this discount is offered to single drivers under 25 years of age. This discount applies to Bodily Injury and Property Damage Liability, Medical Payments, and Comprehensive and Coll...
03/16/2010
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| Can you be quoted on your parent's insurance as a driver if all you have is an learner's permit? |
| The parents should be able to get a quote as to how much it will cost to add a driver with a learner's permit to their insurance policy. Depending on the circumstances, the additional driver may have a certain time to obtain a regular driver's license. Also, if the parents add t...
03/16/2010
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| I have two vehicles, and they both need full coverage. I originally insured one vehicle. But, I have added the other vehicle to the same policy making it more expensive. Can I insure my vehicles for the same coverages with different insurance companies? |
| You can insure your vehicles for like coverages with different insurance companies. This may not save you money and in fact be more expensive. Insurance companies often grant a 'multi-car' discount to policies that have more than one vehicle on them. This multi-car discount ...
03/15/2010
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| Do you know which carriers have the clause in their policy that lowers the limits to state minimums for permissive drivers? I know you can do this in California. |
| State laws and insurance company guidelines vary but yes, there are some carriers have the clause in their policy that lowers the limits to state minimums for permissive drivers. When the limits are cut down to the state minimum Liability limits for permissive users instead of...
03/15/2010
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| In Colorado what are the penalties for driving without insurance? For a first time offense. |
| It is against the law in Colorado to drive your vehicle without insurance. If you are caught driving without insurance there are severe penalties. It is a class 1 misdemeanor traffic offense. A first offense for driving without insurance comes with a $500 minimum fine, licens...
03/15/2010
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| We are looking at a vehicle in California that has a salvage title due to its previous damage. The photos make it look like it is in pristine condition. And, it has low mileage. Our main residence is in Texas; however, we also have a second home in Colorado. Is this type of vehicle insurable in Texas? |
| It can be difficult to insure a salvaged or branded title vehicle. Regardless of it looking like it is in new condition or its mileage, insurance companies shy away from insuring these types of vehicles. This is due to its prior accident history and the security it may not be ab...
03/12/2010
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| My mother and I just leased a car. When we went to the dealership, I had a suspended driver's license but my mom is fine. Now, they want me to get excluded, but the insurance company will not exclude me. Why is that? |
| Most insurance companies will not exclude the named insured - if the policy is in your name, you are the named insured. Even if you are not the named insured not all insurance companies will exclude someone from a policy. The insurance policy will most likely need to be in your...
03/12/2010
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| If I become a driver under my parent's insurance policy is there any way that I can be a private driver on the policy so that for some reason if I got a ticket or accident that it wouldn't make their payments go up? |
| If you are going to be put on your parent's auto insurance policy as a driver then your driving record will be a rating factor and thus could affect the rates. As a licensed household member and listed driver on the car insurance policy the insurance company will want to chec...
03/12/2010
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| If your child is 18 years old and still living with you, can he or she drive your vehicles without being listed on your auto insurance? Example: a friend borrows your car and gets into an accident, was it legal for them to drive your car because you gave them permission. Therefore will your insurance carrier cover costs incurred minus your deductible? |
| Most insurance companies require you to list all of your household residents and so an 18 year old child still living with you would normally need to be listed on your car insurance policy. With those who are licensed (or of driving age) in your household typically your insuran...
03/12/2010
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| I hear people talk about liability insurance. What does that mean? |
| The simple definition of auto insurance Liability coverage is that it pays for your legal responsibility to others for Bodily Injury or Property Damage. Most states car insurance requirements include Bodily Injury and Property Damage Liability coverages. It is important to ha...
03/12/2010
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| I am 17, got my license just over a week ago, and got a speeding ticket for doing 55 in a 45 zone. How much are my rates going to jump because of this and for how long? I do have the good student discount, and I got the reduced rate for attending driving school from my insurance company (USAA in Nevada). |
| Each company handles insurance points differently. The auto insurance company uses a point system under which they assign their individual values to each type of traffic convictions and accident claim so it is up to this rating system of your insurance provider to determine how ...
03/12/2010
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| I just moved to a new state how long do I have before I need to my car insurance to reflect the move? |
| You should inform your car insurance provider that you have moved to see what their specific guidelines are on continuing your coverage out of state as you make your home there and transfer your title, registration and insurance over to your new state. Insurance companies’ gui...
03/12/2010
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| I am 18 years old, and I just received a speeding ticket and received three points on my license. Will my insurance find out and will it go up dramatically? |
| Chances are your insurance company will learn of your ticket when you renew your policy and they acquire your motor vehicle report (MVR). If it was your first ticket, you might not see any change in your rates. Some states have laws governing when and why auto insurers can c...
03/12/2010
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| I am going to Guatemala for at least 3 months. Is there any legal way that my friend can borrow my car while I am away? Is there insurance that will cover her to drive my car? |
| It is legal for your friend to drive your vehicle while you are away since you are giving them permission to operate it. You can contact your insurer to see if they will cover your friend as a driver on your policy or if your friend instead should get their own policy to cover t...
03/12/2010
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| I just got a written warning. Will my car insurance rates increase? |
| If it is only a written warning and not a ticket that you must pay a fine and admit your guilt to a charge then typically it would not go on your driving record and thus not affect your insurance rates. If it is more than a warning and an actual citation you can pay the fine ...
03/12/2010
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| I received a speeding ticket in Illinois while visiting there. I am from Ohio and so is my driver's license. At the time of the violation, I did not present my insurance. Instead, I presented the insurance of the person whose car I was driving. The officer said that since it's out of state, if I pay the ticket, no points will go on my record nor on my insurance. Is that true? |
| Just because a ticket is received out of state does not mean that your home licensing state will not be informed of it or that points will not be assigned, especially if you plead guilty (by just paying the fine) and are convicted of the offense. Ohio and Illinois are part of t...
03/11/2010
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| Will a car insurance quote credit inquiry affect my credit history or my credit score? |
| No, a credit inquiry for a car insurance quote will not affect your credit score. Some of CarInsurance.com's partners do not pull or use credit as a rating factor, but most of them do. If it is not used, they do not pull your credit. In addition, in states like California credi...
03/11/2010
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| In South Carolina what is the minimum age a person must be to register a car? |
| We contacted the South Carolina Department of Motor Vehicles (DMV) to find out what the minimum age is that one can be the sole owner of a car in SC. The SC DMV representative told us that at age seventeen (17) years of age one can have sole ownership of a vehicle and register...
03/11/2010
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| My friend got a 'dui' in Florida at least 2 years ago. How long is he required to carry sr22 insurance? |
| An SR22 is a form which must be filed by the insurance company stating that auto liability insurance ( Bodily Injury Liability and Property Damage Liability) is in effect for a particular individual. The Bodily Injury Liability limits must be at least $10,000/$20,000, and the P...
03/10/2010
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