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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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Vermont SR-22 Insurance

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I was convicted of a DUI, and I am trying to get my driver’s license reinstated.How long do I need SR-22 insurance for in Vermont?

Vermont state law requires that you maintain SR22 insurance for a period of 3 years in order to have your driver’s license reinstated after getting a DUI.If you let your insurance lapse during your 3 year SR-22 filing period, your driver’s license will be suspended again, and you will have to start your filing period all over again. The SR-22 filing period starts the day your driver’s license is reinstated, not the day you get the DUI or when you become eligible for reinstatement.

Depending on the severity of your DUI offense (first, second, third+) the length of your SR22 filing period could vary, so it is important that you contact the Vermont DMV to find out exactly how long you need to carry SR 22 insurance. Make sure you compare quotes from a few different SR-22 insurance providers before you decide which one to go with or you could end up overpaying.

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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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Florida SR22 – Driver’s License Reinstatement

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I was convicted of a DUI in Florida. How do I go about having my driver’s license reinstated?

Well, you first need to wait until your revocation period (180 days – 1 year) ends.  You will need to show proof of completion or enrollment in a DUI school to the Florida Department of Highway Safety and Motor Vehicles (DHSMV).  If you fail to complete the DUI class 90 days after you provide proof of enrollment, your driver’s license will be suspended again. You will also be required to pay a number of different fees such as an administrative fee ($115), reinstatement fee ($60) and a license fee. The fees you are required to pay can vary depending on the severity of your offense or if this is not your first DUI offense.

You must also show proof of the required amount of liability insurance coverage and file an SR-22 form for a period of three years.  You can find cheap Florida SR22 insurance by doing a bit of research online.  Make sure you compare quotes for at least 3-5 different insurance companies. Once you meet these requirements, you should have no problem getting your driver’s license reinstated.

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Driving Without A License In Kentucky

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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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Teen Car Insurance in Michigan

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My 16 year old son was pulled over and got an MIP in Michigan.  Will our car insurance rates increase?

Well, that really depends on your auto insurance company.  Most insurance providers consider teenage drivers as high risk drivers because of their lack of driving experience, and your son getting an MIP will not help things.  The Michigan DMV will most likely suspend your son’s driver’s license, so paying for car insurance might not be your biggest problem. If he does get to keep his license your insurance company could still choose to drop him from your insurance policy if they feel he is too much of a risk to insure.

You can pretty much expect to see a large increase in your auto insurance premium.  It’s impossible to give you an exact dollar amount because every insurance company is different. You definitely need to contact your insurance company as well as the Michigan DMV to get everything straightened out with your son’s MIP charges.  

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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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DWI Attorney in Ohio

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I was pulled over for a DUI last month in Ohio.  Will getting a DWI attorney help reduce my charges?

Getting a DUI attorney could help you reduce your charges and make the whole DUI process a little bit easier on you.  If you feel that you were wrongly accused of driving drunk, getting a DUI lawyer will definitely help and could even get the charges dropped completely.  Remember, hiring an attorney is not cheap.  You could possibly spend thousands of dollars on a good DWI attorney, so you might want to consider the expenses before you decide to go down that road.  Getting a DUI is very costly with all of the fees, fines, and SR22 insurance expenses you have to pay.

Every case is different, and it is up to you to decide whether or not hiring a lawyer will really benefit you in the long run.  You could call an attorney and set up a consultation to explain your situation to them.  They will be able to tell you if they can help reduce your DUI charges.

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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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Colorado SR22 Insurance and a Teen Driver

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I have Colorado SR22 insurance and my 16 year old daughter is about to start driving.  I am worried about the cost of my auto insurance with the SR22 filing and a teen driver on the policy. What can I do to make my auto insurance premium more affordable? 

I know that the cost of SR22 insurance alone is pretty high, and adding a teen driver to your policy is going to make it even worse.  There are a couple things you can do to find a cheaper auto insurance rate and hopefully make your monthly payment a little more bearable.  Since you have a Colorado SR22 filing, you are going to be seen as more of a high risk driver, so it is important that you keep your driving record clean from now on.  The longer you go without a ticket or an accident, the cheaper your SR22 insurance will be. 

The key to finding cheap auto insurance for a teen driver is getting them the right kind of car to drive.  The type of vehicle is a huge factor in determining how much your teen’s auto insurance will cost. Here are a few tips for choosing the right kind of car for a young driver. I always recommend a car that is 5-7 years old. You don’t want to insure a teen on a new car because the insurance company is going to charge you outrageous prices, and you don’t want a car that is too old with no safety features such as airbags.  You also don’t want a car that is too small and light or a giant SUV.  SUVs have a tendency to roll if driven too fast around corners and they also cause more damage in an accident which costs the insurance company more to fix.  Even though your teen might not like it, it would probably be the most economic choice to have them drive a minivan or a large 4 door sedan. You can check out a list of the best cars to insure a teen on Here

If you want to get an idea of how much insurance will cost you for different types of vehicles, just compare a few quotes online.  Online auto insurance quotes only take a few minutes to complete and will give you a good idea of how much you can expect to pay to insure different cars.

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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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Cheap Cars for Teens to Drive

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What are the cheapest cars to insure a 16 year old driver?

Auto insurance can be very expensive for a teen driver, but finding the right car can make it much more affordable. Here is a list of cars that are cheaper to insure a teen driver:

Buick LeSabre

Mercury Grand Marquis

Oldsmobile Silhouette

Honda Odyssey

Volvo S40 4dr Sedan

Saturn ION 1 4dr Sedan

Dodge Caravan SE 4dr Minivan

Oldsmobile Bravada

Buick Century

Saturn L300 1 4dr Sedan

There are a lot of different options out there for teen drivers, so make sure you do plenty of research. Compare quotes from a few different insurance companies and for a few different kinds of cars, and you will have much more of a chance at finding cheap teen auto insurance.

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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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Teen SR22 Insurance – Good Student Discount

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Can getting good grades help lower my Ohio SR22 insurance premium?

Yes, having a good GPA or good grades in school will definitely help get you a cheaper SR22 insurance rate. Insurance companies refer to this and the good student discount, and most companies require at least a B average or better in order for you to qualify for this discount. Good students are seen as more responsible and less likely to get in to accidents or to receive speeding tickets. Teen SR22 insurance is not cheap and the good student discount is a great way to help make your premium more affordable.

The insurance company will usually ask you what your grades are to see if you qualify for the discount and will require you to show them proof of your grades by sending in a copy of your report card. If you are looking to save on your Ohio SR22 insurance the good student discount is one of the best ways to do it.

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Teen SR22 Insurance for a Sports Car

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Why is my teenager’s SR22 insurance more expensive for a sports car?

Insurance is already expensive enough for a teen driver, especially if they have an SR22 filing. Insurance companies charge more to insure a teenager driving a sports car because statistics show that young drivers in fast, sporty cars are more likely to drive irresponsibly. They are more likely to get in to accidents and get tickets if they are driving a high performance sports car. Insurance is based on risk and an inexperienced driver in a sports car is considered high risk.

It is never a good idea to have your teen driving a sports car unless you want to pay outrageous SR22 insurance prices. The more expensive the car, the more expensive your SR22 insurance is going to be. You might want to reconsider the type of car your teen is going to be driving. A slower, more economical car is safer for them and must more affordable to insure.

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