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Proof of Auto Insurance

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I want to buy a new car, but I am not sure which one I want yet. I know that I need auto insurance with a financed vehicle. How can I get coverage if I don’t even know which car I am buying?

Before you make any decisions it’s probably a good idea to compare a few auto insurance quotes online for the different cars you have in mind. One car might be a lot cheaper to insure, and may sway your decision one way or the other. When you go to the car dealership to purchase your vehicle, you do not have to have proof of insurance with you that day. Most lien holders will give you about a week to get the proper auto insurance coverage (full coverage is required for financed vehicles).

After you buy the car, you should compare car insurance quotes from a few different insurance companies just to make sure you are getting the cheapest rate possible. You can call the car insurance provider that gives you the cheapest rate or sign up online, and they can send over proof of insurance to your lien holder. Don’t worry. Just take your time, do your research, and everything will be fine.

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Insurance on a Financed Vehicle

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I bought a new car 6 months ago, and my auto insurance policy just lapsed. Can the finance company take out an insurance policy and send me the bill for it? What do I do?

When you finance a vehicle your loan documents normally specify that you are required to carry full coverage auto insurance for the life of the loan. This means liability coverage as well as comprehensive and collision. If finance company finds out that you no longer have the proper car insurance coverage, they will get insurance for you and make you pay them. There are state regulations on this, so the finance company can’t send you a bill for a ridiculous amount. They should only charge you what they are paying for the insurance themselves. The finance company may be able to repossess your car if you refuse to pay for the insurance or get your own policy.

Either way, it is in your best interest to have good auto insurance coverage. If your policy has lapsed, do everything you can to get it reinstated, or call another insurance company and get a new policy with them. You might also want to set up an automatic bank draft to ensure you’re your insurance premium is always paid on time. Make sure you shop around for the best auto insurance rate. You don’t want to end up paying too much.

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Auto Insurance Without A Driver’s License

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Can I get auto insurance coverage without a driver’s license?

That really depends on which state you live in. Most states require that you have a valid driver’s license in order to get car insurance.In states where there are no laws about this it is up to the individual auto insurance company.You might find a few companies that will allow you to get immediate coverage but require that you get a driver’s license within a certain amount of time. If you do not get a license in this time period, your auto insurance coverage will be cancelled.

If you have a vehicle that needs insurance, but you cannot get a license any time soon you could check with a company to see if another driver could insure your car for you.It is always best that you have a driver’s license when purchasing auto insurance, but there are a few different options available to you if you don’t. Just do your research and check with a few different companies.

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PIP Insurance

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What is PIP insurance coverage?

PIP stands for personal injury protection.Usually pip insurance coverage covers the hospital, medical and funeral expenses of the insured driver, passengers injured in his/her vehicle, and any pedestrians that are hit by him.The amount of coverage provided depends on the specified amounts stated in the car insurance policy.

Personal injury protection insurance is sometimes referred to as no fault insurance because the driver can use their PIP insurance policy no matter who is at fault in an accident. PIP insurance coverage is not available in all states, and coverages and limits also vary by state.

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Kentucky DUI Penalties

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What is the penalty for getting a DUI in Kentucky? This is my first offense.

The penalties for a first offense DUI conviction in Kentucky include:

·2-30 days in jail

·$200-$500 fine

·30-120 day driver’s license suspension

·Possible 48 hours – 30 days community service (this can be applied for in lieu of paying a fine and/or jail time)

·90 day alcohol abuse program

If this is your second or third offense, you could face much harsher penalties.You should contact the Kentucky Transportation Cabinet if you have any specific questions about your DUI penalties or driver’s license suspension.

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Will They Cancel My Policy?

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I have had 3 accidents and gotten 2 speeding tickets in the past 2 years. Can my car insurance company cancel my policy?

Yes, your auto insurance provider can cancel your policy at any time if you have filed too many claims or have become too risky to insure by being convicted of too many traffic violations. If your company cancels your policy it will be hard for you to find another company to insure you that doesn’t charge you outrageous rates. You could try taking a defensive driving course to help lower your rates. You need to contact your car insurance company to see what you can do to prevent them from dropping your auto insurance coverage. Try to avoid any more accidents and tickets and your auto insurance rates should go down over time.

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Totalled Vehicle

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I just bought a car and purchased an auto insurance policy. What will happen if my car is totaled in an accident?

That just depends on the type of car insurance coverage you have. If you only have liability coverage then your insurance company will not pay for any damages to your vehicle. If you have physical damage insurance coverage your car insurance company will determine how much to give you for your vehicle. Most insurance companies determine this amount by looking at the actual cash value of your vehicle. The actual cash value is the amount of money required to replace your car less any depreciation.

As you can imagine, it is quite common for the insurance company and you to disagree on the amount of money you should receive for your vehicle. If you have a loan on your car and are worried that you might be upside down in your loan you might want to consider getting gap insurance. Different insurance policies have different amounts of coverage, so you should read your policy to see how much coverage you have.

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Why Did My Rates Go Up?

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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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PLPD Car Insurance

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What is PLPD insurance?

PLPD car insurance stands for public liability and property damage, and it is usually the minimum amount of car insurance coverage required by the state.This type of coverage is basically the same thing as property damage and bodily injury liability insurance.PLPD auto insurance provides coverage for damage that you do to someone else’s property and covers you if your car causes any injury or death to someone.PLPD insurance does not provide coverage for any damage to your vehicle in an accident or for theft or vandalism.

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Can My Friend Borrow My Car?

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Is it ok to let my friend borrow my car even though she does not have car insurance? I have my own insurance policy for my car. Will she be covered?

That just depends on your insurance policy. Normally, auto insurance follows the car, not the driver, so your car would be covered even if she was driving.You need to read your insurance policy or call your insurance provider just to make sure though. Some policies will not allow other drivers or uninsured drivers to drive your vehicle.Never let anyone that isn’t listed on your car insurance policy drive your car unless you have checked with your insurance company to make sure they are covered.You don’t want your friend to get in to an accident and then find out later that the insurance company won’t pay for it.

Remember, if your friend gets in to an accident and it’s her fault, your auto insurance will have to pay for the damages, and your car insurance rates could increase.The more insurance claims you have on your policy the higher premiums you will have to pay.

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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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Car Insurance Down Payment

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Will I have to make a down payment when I buy my car insurance policy?

Usually car insurance companies will require you to make a down payment when you initially purchase your policy. The only way to avoid this is to pay your auto insurance policy in full at the time you purchase it.  If you decide to make monthly payments instead, you will be required to make some sort of down payment.  Insurance companies do this because they want some sort of payment in order to protect themselves before they start giving you auto insurance coverage. It’s pretty much impossible to find a company that will insure you with no money down.

Make sure you compare quotes from at least 3-5 different car insurance companies so you can make sure you are getting the cheapest rate possible.  When you decide which company to go with you can ask them what your payment options are and what kind of down payment that they will require you to make.

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Auto Insurance Payment Options

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I just purchased a new auto insurance policy. The insurance company gave me the option to either pay my premium up front or to make monthly payments. Which is better?

I don’t think that either way is better than the other because they both have advantages and disadvantages. If you can afford to pay your entire auto insurance premium up front then go for it. Most insurance companies will give you a small discount for paying up front, so that is one benefit. If you do not have the financial means to spend that much money all at one time, then that’s ok. Just stick with making the monthly installment payments. In the end you might pay a little bit more money that way, but you have the convenience of breaking down your large premium in to more affordable monthly payments.

Paying your car insurance premium doesn’t have to be a burden, so select the option that works the best for you and your financial situation.

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Auto Insurance For My Daughter

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My daughter is getting married next month and moving in with her new husband. After she is married can she stay on my car insurance policy?

Once your daughter is married and moves out of your household she will probably not be able to stay on your car insurance policy.  Normally, insurance companies will only cover drivers that actually live in your household with the exception of students that are away at college.  Each state and individual auto insurance company has different rules, so you should check with your current car insurance provider to see what they say.

Most likely your daughter will need to get her own insurance policy with her husband since she will be living at a seperate residence.  Car insurance should be a little bit cheaper for her now that she is married and combining multiple cars on one policy should also help make her insurance more affordable. There are lots of ways to save on your auto insurance, so make sure you tell your daughter to do a bit of research before she decides which car insurance company to go with.

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Auto Insurance Increase – Speeding Ticket

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I was pulled over this morning and got a speeding ticket.  How much will my auto insurance premium go up?

There is no set amount that your insurance premium will increase if you get a speeding ticket or are convicted of any other moving violation.  It really just depends on your insurance company and your previous driving record. If this is your first ticket, your insurance rates will probably not change or you will only see a small increase.  If you have received multiple tickets, your insurance rates you will probably see a larger increase.

Every auto insurance company has a different policy.  Some will base the increase on the severity of your offense and some will raise your rates a certain amount per violation.  Some states have laws that prevent car insurance providers from raising your rates after only one ticket or violation.  If you have questions about your insurance rates, you can call your insurance provider and ask them what their policy is.

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Student Driver Auto Insurance Discounts

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What are the special discounts that auto insurance companies offer for teens and student drivers?

As a student or a young driver, auto insurance can be very expensive, but there a few special discounts that some insurance companies offer just for student drivers.  Every insurance company offers different discounts and some discounts are only valid in certain states.  You can ask your insurance company which discounts they offer that you might qualify for. Here are some examples of some auto insurance discounts that you might you might qualify for as a student or teen driver:

1)    College Graduate Discount

2)    Good Student Discount (requires B average or better)

3)    Student Away at School Discount- if you are away at college without your vehicle and don’t drive very often

4)    Safe Auto Discount – you could qualify for a discount if your auto is equipped with any of these standard safety features: air bags, anti-lock brake system, anti-theft system, or daytime running lights

5)    Defensive driving discount – you can save if you have proof of completion of a defensive driving course

These are some discounts that you might find helpful in finding affordable student auto insurance.  Ask your current insurance provider what special discounts they offer to make sure you are getting the cheapest rate possible.

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Auto Insurance with a Revoked License

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I got a DUI and my Florida driver’s license has been revoked. Will I still be able to keep my current insurance and vehicle registration?

Once your current auto insurance company finds out that your driver’s license has been revoked, they will most likely cancel your policy. This usually happens once your policy is up for renewal.  If your company drops you, you probably won’t find another insurance company to insure you during your revocation period. If you are going to get a restricted license permit where you are allowed to drive to school or work, you will have more of a chance of getting insurance coverage.

If your car has a co owner, they should be able to insure the car under their name and exclude you as a driver.  This is one way for your car to remain insured.  As far as the registration, that will vary depending on which state you live in. Some states will not allow you to register a vehicle without a valid driver’s license and some will.  You always have the option of putting someone else’s name on the title of your car and have them register the vehicle.

Remember, even if you are able to get your car insured and registered while your license is revoked, that does not mean you can drive the car.  If you get in to an accident while driving with no driver’s license, your insurance company will not cover the damages and you will be in even more trouble with the government.

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Auto Insurance Payments

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I was two days late paying my bill for my Geico auto insurance. I went on line and paid it, but it says it has been my policy has been cancelled. Will my policy be reinstated because I made a payment or will it be cancelled permanently?

You definitely need to call your insurance company immediately! Chances are they won’t just reinstate your policy after you pay it online.  You need to actually speak to a representative and explain to them that you did make a payment and why it was late.  Hopefully, they will reinstate your policy with no problems, but every insurance company handles this type of situation differently. Some insurance companies are more lenient about reinstating policies, especially if you were only a couple days late and some will permanently cancel your policy the first day you miss a payment. 

If Geico will not reinstate your policy, you will have to get insurance through a different insurance company. Most companies will charge you higher rates for a driver that has had an insurance policy cancelled for any reason.  That is why it is so important to pay your premium on time every time.  Most companies will allow you to do an automatic bank draft so your policy is never late, so that might be something you want to look in to.

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Cheaper Auto Insurance Rates

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I am getting married soon. Should my husband and I combine our auto insurance policies in to one?

I think it’s always a good idea for a married couple to get rid of their individual auto insurance policies and just have one policy with one company. Usually insurance companies will reduce your rates when you add your spouse to your policy, and it is much cheaper for both of you to be on one policy rather than having to pay two separate premiums that are most likely going to be more expensive. The only way that this would have a negative effect on your insurance cost is if your husband/wife has a very bad driving record.

Luckily for you, insurance companies see married couples as more responsible and less likely to file a claim or get in to an accident. It is very common for an auto insurance company to lower your rates when you get married. If you are planning on combining you and your spouse’s insurance policies, make sure you compare quotes from a few different companies before deciding on which one to go with.

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