Reader question:

I know teen driver liability insurance rates are high, so can I just not get my teen insurance?

Kim

Not an option, Kim.

The single thing that makes parents think twice before allowing their kids to stick the key in the ignition is the high teen driver liability insurance rates. For teenage girls, these rates are exceedingly high, at around 50% more than what your own average rate should be. For boys, it’s even worse, with as much as double the adult rate. This disparity drops off when they’re older, but since you’re the one footing the bill now, it doesn’t do you any good, does it?

There are two reasons, though, why parents should just accept the (lowest) teen driver liability insurance rates they can find, anyhow.

• First of all, your car insurance company won’t believe that your teenager isn’t driving no matter how much you insist this is the case. If there is a teen in your house, they will have to be on your policy, because on the near certainty that they will drive your car against your wishes, and the possibility that they will get into an accident, your company might not pay your claim.
• Second of all, your teen needs the experience. The fastest way to low teen driver liability insurance rates is to build a good driving record, and that can help you as well.

take care,

Fashun

Reader question:

Can I get an SR-22 car insurance rates comparison online?

Alison

Yep, Alison.

After being charged with a DUI, you aren’t exactly oozing free time. You gotta figure out how to get to work, hire a lawyer, and somehow pay the bills. If it weren’t for the wide availability of SR-22 services online, you probably would have a hard time doing a SR-22 car insurance rates online comparison or anything else related to your SR-22, with a schedule like that.

Here’s a few things you can do with your SR-22 online.

• Shop for car insurance and do a SR-22 car insurance online rates comparison.
• Purchase your SR-22 insurance online.
• File your SR-22 form with the state department online.
• Receive your form to be signed with an electronic signature.
• Set up debit payments on your car insurance policy to more easily avoid suspension.
• Find reviews for SR-22 car insurance companies.
• Get information on assigned-risk pools in your state.

take care,

Fashun.

Reader question:

How much coverage do I need to put when looking up my SR-22 auto insurance online coverage rates?

Mac

Glad you asked, Mac.

One of the last questions you come to on the car insurance quote form is about your coverage. Most people are just willing to accept whatever SR-22 auto insurance coverage online rates the form assigns to them, but if you want to get the price that is both the cheapest and the best for you, then you need to put a little more thought into it.

If you have a new car, or your leasing a car, paying off a car, have a valuable car, an expensive car…and so on, then you should take a further look at the comprehensive and collision sections of the SR-22 auto insurance coverage rates online. You’ll need these coverages, especially if you’re paying on your car still. You can, though, keep the deductibles high to keep your rates low.

If you don’t fall into one of the aboce categories, then you can probably do with skipping that part. But even if you don’t get comprehensive and collision, how much liability do you need? It might be tempting to get the minimum so you can keep your SR-22 auto insurance coverage online rates low, but agents and companies suggest you get at least 100/300/100 levels of liability to protect yourself against lawsuits.

take care,

Fashun

Reader question:

Is it possible to buy cheap online SR-26 insurance, or will I be denied?

Jack

Excellent question, Jack.

Buying insurance after a cancellation or nonrenewal isn’t easy, and if it was a SR-22 policy and an SR-26 cancelation form was filed, then there’s another extra hurdle. But that doesn’t mean that cheap online SR-26 insurance isn’t possible.

You want to give the regular companies a look before trying anything else, by checking the rate quotes from the heavy hitters. Problem is, with an SR-22 policy AND a cancellation of an SR-22, you’re going to have trouble getting into those place. If you fail there, then there are companies just for you.

High risk companies have a record of charging higher prices, but many have cheap online SR-26 insurance available for those who know how to compare prices and exploit all of the right discounts. The area where you can generate the most savings is the area of discounts, so cut down on your driving and review the discounts available from the company with the best rates and a few others. Remember, the company with the cheaper initial rate might not be cheap once you apply discounts to the rest.

take care,

Fashun.

Reader question:

Can I purchase auto insurance with no down payment?

Greg

Sure, Greg.

If you speak to an auto insurance agent, they can usually locate a company for you that offers auto insurance with no down payment. These companies are everywhere and aren’t too hard to find, and they allow you to pay your first payment first, but pay an equal payment to that every month, rather than paying a high percentage of your 6 month or yearly premium up front.

So, yeah, auto insurance with no down payment is available. But is it a good idea?

Honestly, you would do better for yourself to avoid guarantees like auto insurance with no down payment, because although they may do something to save you money in the short term, they cost you more in the long term. No down payment means higher monthly premiums and less constant disposable income for you. No down payment also means that you will pay in installment, which has its own fee.

take care,

Fashun.

Reader question”

How come teen car insurance in Houston TX costs so much?

Mary

Glad you asked.

The month after I added my teenager to my car insurance policy, and I received the new quote, I nearly passed out. Teen car insurance in Houston TX is expensive. I could seriously send him to college for this amount, I’m thinking.

Why is it so expensive? According to what they tell me, car accidents are the #1 cause of death among teenagers–which is pretty scary. Teens are overrepresented in serious car accidents, especially ones which cause death or serious injury. On top of that, they just don’t have the experience to do well what those of us who can put on make up and change the radio station and talk on the cell phone while eating a breakfast burrito while navigating I-10 (you shouldn’t do that either, actually) can do.

The way that I was able to get rid of a lot of this excess expense for my teen car insurance in Houston TX was by cracking the whip and just making sure that my son got good grades in school. The company I have, and most others, have a student discount which is for those who get As or Bs in school. And it’s 20% off!

–fashun

Reader question:

What do I need to know before I look for Miami liability insurance rates online?

Jack

Good question.

If you are shopping around for a car, then you want to look at your Miami liability insurance rates online before you choose which car you want to buy. A lot of different variables can play in to how much you will pay for this coverage, from the make, model, and year of your car, to its previous crash history.

When you’re considering buying a car, go online and get quotes for several of your choices and then add the cost of insurance to the actual cost of the car when you make your budget out for it. Even if you are able to get 0% financing, 0 down, $299 a month for a nice car, that won’t help you when you find yourself paying over a thousand dollars a year for insurance because the car is a theft risk, dangerous, and has few safety features.

You need to know several things about your car before you get your Miami liability insurance rates online:

• how much coverage you need
• VIN #
• make, model, year
• how much you will drive it in a year

take care,

Fashun

Reader question:

Can I buy Miami commercial car insurance online?

Jasper

Glad you asked.

When purchasing Miami commercial car insurance, you wouldn’t believe how much cheaper it is to do online. Granted, many business owners searching for commercial coverage are nervous and want just the right amount of coverage, and so they prefer to speak with a broker because more is at stake, but if you’re a savvy business owner interested in saving money, then you can find out the information you need about coverage AND purchase your Miami commercial car insurance online–and for a lot less!

For most small businesses, the coverage you get for commercial insurance is pretty much the same as what you get for your personal car insurance coverage, although mostly with hire liability limits. In some cases, though, for truck drivers or for those who do a lot of deliveries, there are policies which will protect cargo and reimburse you for it. This is necessary for some small business owners because things you are transporting for business will not be covered under your home insurance policy.

When buying Miami commercial car insurance, go online and get a bunch of different quotes so that you can comparison shop and get the best price.

–Fashun

Reader question:

Will a bad driving record affect my liability insurance rates in Houston TX?

Perla

Glad you asked.

One of the things that affects your liability insurance rates in Houston TX the most is your driving record. Whether you drive like a saint or like a crazy person, your driving record will send your rates flying up or down.

The reason for this is because liability coverage pays for damages that you cause to someone else (and their vehicle), so how reckless you are apt to drive is pretty relevant here. So what kind of tickets affect your liability insurance rates in Houston TX?

Well, there are some tickets which will affect your rates, but not necessarily the liability ones specifically. For example, if you have tickets for no insurance or for expired registration, then you will have higher rates, even though these have nothing to do with your ability to drive–the idea is that you are less responsible, and thus more likely to file more claims.

However, things like speeding tickets, DUIs–pretty much any moving violation will affect your rates.

take care,

Fashun

Reader question:

Do I need an instant car insurance rate comparison?

Gabriel

Good question.

What is the difference between hiring a car insurance agent and getting an instant car insurance rate comparison? Well, the instant car insurance rate comparison is free, for one. Now that these are available online, agents are practically obsolete.

You can both research, get quotes for, and purchase your auto insurance online, and you can do it in less time than you would have spent at the agent’s office, which is one of its big draws.

Even so, sometimes agents are useful. If you just don’t have enough time to sacrifice to getting an instant car insurance rate comparison, checking complaint records, recommendations, and financial stability, then an agent can do all of that for you. So then it’s up to you to decide on the agent.

You’re going to want an independent agent. These agents can look for quotes and compare among several different companies and help you decide. On the other hand, a captive agent work for a single company.

–Fashun