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Why Did My Rates Go Up?

Auto Insurance, Auto Insurance Cost, Auto Insurance Quotes No Comments »

I just bought a new car and the insurance is more expensive than my old car. Why does the auto insurance cost so much if this car is cheaper than the one I had previously?

There are a number of reasons why your auto insurance could have increase when you bought your new car.The make and model of the vehicle have a large impact on your car insurance rates.Insurance companies don’t just look at how expensive the car is.They look at other factors like how likely the car is to be stolen or how easy it is to break in to.There are numerous lists out there of the most frequently stolen cars, so you might want to check to see if your car is on there.Some cheaper cars have less expensive parts but suffer serious damage in even minor wrecks due to poor craftsmanship, so this could be another reason why your rates went up.

You should ask your insurance company why your rates went up if you have any doubts or feel like you could be over paying.It is always a good idea to compare free car insurance quotes online before you purchase a car just to make sure the insurance costs are affordable.

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New Car Insurance

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What are some important factors to look for when buying a new car? How will these factors affect my auto insurance premium?

In general it’s a good idea to look at things like interest rate, monthly payment, gas mileage, quality, and the cost of car insurance before you purchase a new vehicle.Your car insurance rate can vary greatly depending on what kind of car you drive.You should think about things like is the car foreign made? How expensive are the parts to fix? Does it have good safety features such as airbags, alarm system, etc.? How much horsepower does it have?All of these factors could lower or increase your rates.

The best thing you can do is a bit of research. It’s never a good idea to rush in to buying a car just because the price is right.You have to think about all of the costs involved in owning a car, and you don’t want to buy a new car only to realize that you cannot afford the insurance.I would compare free car insurance quotes from at least 3-5 different insurance providers to get a good idea of how much insurance will cost you for a particular car.

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Auto Insurance With No Credit Check

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I am looking for a new auto insurance provider. Are there any insurance companies that do not do a credit check?

Every insurance company has different factors that they look at when determining your car insurance premium.  Not every auto insurance company will check your credit history though.  There are some states have regulations that control how much your credit score can affect your insurance rates. It is up to you to do some research and find which companies don’t look at credit as a factor to determine your car insurance rates. 

If you have poor credit and are concerned how this might affect your car insurance premium, don’t worry.  Just keep shopping around until you find the insurance company that offers you the best rates with no credit check.

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Driving Without A License In Kentucky

Auto Insurance Cost, Auto Insurance Quotes, Kentucky Auto Insurance No Comments »

I am a 15 year old boy, and I cannot wait to get my driver’s license. What will happen if I get caught driving without a license in Kentucky?

It is never a good idea to drive without a valid driver’s license, especially if you are not even old enough to drive legally.  In Kentucky it is a Class B misdemeanor to drive without a driver’s license.  If someone allows you to drive to drive their car and knows that you do not have a driver’s license, they will also be found guilty of a Class B misdemeanor.  The punishment for a Class B misdemeanor in Kentucky is a fine of up to $250 and/or up to 90 days in jail.

Since you are a minor, getting caught without a driver’s license can prevent you from getting your driver’s license when you are 16.  If you get in to an accident, the insurance on the car you are driving will probably not cover you, and you could face thousands of dollars in damages.  Driving without a license is a very serious offense, so it’s best to wait until you are legally allowed to drive.

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