I have a new car courtesy of my boyfriend. Can I register it without any insurance? If not, please help me on how to get vehicle insurance quote in California so I can show it to my boyfriend.

Barbie

San Francisco CA

Since you are in California, vehicle insurance is a requirement for vehicle registration or renewal of registration. In some states, you need liability coverage before you will be issued a driver’s license. But generally, you need a vehicle insurance before you can drive on the road. The enforcement of this law might just vary from one state to another. There’s no way you can get away from it because ignorance of the law excuses no one.

California state law requires minimum Bodily Injury Liability of $15,000 per person up to $30,000 per accident, and Property Damage Liability limit of $5,000.

Vehicle insurance is a way to protect you and your car. Don’t you like to protect the gift your boyfriend gives you? Anyway, it is easy to get vehicle insurance quote nowadays. With the Internet technology, you can shop for insurance quotes at the comfort of your house right beside your boyfriend. So he can also help you out in deciding which insurance coverage to get from what company.

Now that you have an idea of what you want in your car insurance, and how much you can afford, then go to car insurance companies’ or brokers’ websites to get vehicle insurance quote. You can use their free insurance calculator to get free insurance quotes.

I’ve been shopping around town for some cheap car insurance policies but I’m not convinced the brokers here are giving me a good deal. Can I shop for a good policy on my own?

Kent

Beaumont, TX

Definitely! These days consumers have plenty of ways to shop for a good car insurance policy all on their own. You just have to know how and where to look. Here is a guide to help you out:

Step 1: The Basics

Before you go out and buy a policy, know the basics first. Visit your state’s department of insurance to find out about any requirements you may need to adhere to on your car insurance (e.g. state minimum liability amounts). This website can be very informative in helping you choose the right policy.

Step 2: Do Comparison Shopping Online

Use the Internet to your advantage by getting a free quote from car insurance comparison websites (like this one). You get access to the latest car insurance coverage offers and are able to compare more insurers in a quick and convenient manner. This saves time and enables you to find the best rates out there.

Step 3: Find the Best Companies

Ever heard of Moodys, J.D. Power, or A.M. Best? These are independent rating agencies that basically tell you which companies have the overall best performance in your state. Use this information to determine which car insurers you should be doing business with.

Step 4: Evaluate Your Policy

Before you sign the policy study it carefully. Pick only the coverage that suits your need. If you have excellent medical insurance consider dropping Personal Injury Protection. Lower your comprehensive coverage if you drive an old clunker. This will save you a lot of money in the long-run.

Step 5: Know Your Discounts

The great thing about car insurance is that discount options abound. You just have to find out which ones you’re eligible. Good driver discounts, safer vehicle discounts, defensive driver, and low-mileage discounts are just some of the many available.

What are the different vehicles insurance policies available in Florida?

Vicky

Orlando FL

There are different policies for vehicles insurance. I won’t discuss all of them but I will give you an idea on some.

Women, according to some studies, are found to be drive better than mean. Thus, they are involved in less accidents and even if they do, these are often less costly than those done by men. Women are therefore offered discounts and insurers have a separate quote for women drivers. This is not a gender issue but instead it recognizes that since women drive better then they should pay less.

If you own a classic car, then you can avail of the classic car coverage. Even insurers know that classic cars are not only expensive but also rare. This type of insurance is geared to towards coping with the value of the cars. Within this policy, there are different quotes for vintage cars or classic cars.

Grandma or grandpa what to drive a car? Let them. Insurance companies consider people in the ages of 50 years to 70 years old as the safest drivers. Not only do they have more experience in driving but make less mistakes. Yes, there is vehicles insurance for senior drivers.

Motorcycles have their own quotes. Although the policies available are like those of a regular auto insurance, the premium rates are higher. This is because motorcycles are considered as vehicles that carry a high risk. So if you own a motorcycle, be sure to ask the insurer first if they are willing to cover it before asking for quotes.

What if you were involved in an accident and the other party was at fault and uninsured? Having an uninsured motorist policy can save your day. Under this policy, the insurance company will be the one to pay for the damages or in most cases, reimburse you for the money you spent for the damages. This policy must never be confused with an underinsured motorist policy. What this policy does is pay the difference between the coverage of the party at fault and the amount of the actual damage.

These are just some of the vehicles insurance available. I hope that I have been helpful to you.

Where can I get the cheapest discount vehicle insurance?

Gene

Nashville-Davidson, TN

Nowadays, you can find everything online even the cheapest discount vehicle insurance that you are looking for. Read on to know more where to get discount vehicle insurance from the best auto insurance carriers.

1. Get Online Quotes

The best way to get cheapest discount vehicle insurance is to get online quotes from comparison websites. It is very easy, quick and most of all it is free!

The top rated car insurance companies maintain websites where you can get online quotes. It may take you a long time to go from one insurance company websites to the other filling out forms and talking to agents, in search of discount vehicle insurance. Do not worry because there are a couple of comparison car insurance websites where you can spend a few minutes filling out a simple online questionnaire and you’ll get a lot of quotes from those top rated insurance providers.

2. Get Discounts

When you get car insurance quote online you can get your car insurance at the best possible deal. How? By getting all the discount vehicle insurance available. Some of the discounts you can take advantage of are:

• Combining your car insurance with your homeowners/renters insurance: 10%-15% discount.
• Increasing your deductible to $500 or $1,000: 10%-50% discount.
• Insuring both your vehicles with the same insurer: 10%-15% discount.
• Removing your collision and comprehensive coverage if you drive an older vehicle: 15%-30% discount.

If you give a few minutes of your time, you will be able to get that cheap discount vehicle insurance that you are looking for. Give it a try and see how much you can save.

I bought a used car. Will it be easy for me to find the cheapest vehicle insurance for it?

Rick

Las Vegas, NV

Getting a used car insured is pretty much the same as insuring one that’s brand-new except that your chances of getting the cheapest vehicle insurance is possibly bigger. Whenever an insured car gets stolen or damaged to the point where the cost of repairing it becomes more expensive than the car itself, that car is said to be written off. Since a used car has far lesser value compared to a brand-new one, the insurer’s losses will also be relatively less. Should you buy comprehensive and collision coverage for it, the car insurance company should therefore also charge you less. Actually, some used car owners forego getting comprehensive coverage altogether as this isn’t part of the state’s minimum requirements for car insurance. So used car owners are likely part of the lucky few who get to pay the cheapest vehicle insurance. One more thing about used cars that increases your chances of getting the cheapest vehicle insurance is that you can raise your deductibles. Higher deductibles mean lower premiums. It doesn’t make much financial sense to spend too much on ensuring thorough repairs for a car that already has some wear and tear on it. A used car however can cause just as much damage or bodily injury as one that’s brand new so your rates for liability coverage won’t really be affected.

Can you explain what factors affect vehicle insurance premium? Thanks!

Timmy

Bowling Green, KY

In short sentences, I will explain to you what I know. Let me first start with Classifications. Classifications that are used as basis for your vehicle insurance premium are: the vehicle – type and model, age, and actual cash value (ACV); driver – age, marital status, gender, driving record, profile report, and location of residence; and the type of coverage – liability, comprehensive, collision, deductibles, etc.

Teenagers or senior citizens, for example, belong to different “age groups.” Now, these are groupings under special classification or groups being categorized above or below from average. A change or variation from this grouping, like for instance, a shift from one group to the other will determine the cost of your annual or monthly vehicle insurance premium. And also, a variance or change on your group would determine your assigned risk level.

In summary, factors are divided into three classifications: the vehicle, the driver, and the type of coverage. These classifications are further classified and broken down to details such as age, type of model and make, manufacturer for the vehicle; age, gender, marital status, profile of the driver; and the type of coverage such as collision, comprehensive, etc.

I hope I answered your question, Timmy.

Car cheap female insurance young student needs auto insurance. When my daughter moves out to go to college would she needs to get her own car insurance?

Jay

Birmingham, AL

If your daughter moves out of your home permanently, then she really has to get her own insurance come insurance review time. This is because she will no longer be a part of your household, and basically, her car and yours no longer share the same permanent garage address. You did not specify if your daughter would be going to a local university or in another the state. Another thing is if your daughter will have her own driver’s license by the time she moves out. If she’ll have it by then, then that would qualify her to get insured and get her car cheap female insurance young student. Like I said, if the move would be permanent, then go ahead and get her insurance of her own.

However, if it were the other way around, then it would be more practical to continue listing her under your insurance…what with the cost of universities these days, plus the actual cost of her running her own place. This way, you can still get the necessary discounts for your policy by listing another driver, kinda like a multiple driver discount.

If your daughter is going to another state for school, better check with your current provider if your coverage is compatible with the requirements of the state. If not, then have them modify her part of the coverage. Some providers make special considerations to customers who have to travel out of their own state on a regular basis. One more thing to look into is if the state requires its permanent residents to have within-state insurance. In that case, you would have to get her one when she moves there.

Why is it so hard to look for cheap vehicle insurance?

Gary

Seattle, WA

Year in, year out, there’s this item that’s a constant thorn on the side of our budget that we just can’t simply pull out – vehicle insurance. It’s an inescapable household cost just like gas, electricity and water. You would think that cheap vehicle insurance would be readily available nowadays with practically all car insurance companies, brokers and agents claiming to offer it. But, of course, each of us has his own idea of what cheap vehicle insurance ought to cost. Those of us who have had to really tighten our belts have the hardest time finding cheap vehicle insurance.

Perhaps cheap vehicle insurance isn’t always to be found; maybe it’s something you have to achieve. You may or may not have tried any of this, but here are a couple of things that might help you save some money. First of all, don’t snatch the first quote you’re offered with. With a little more shopping, you’re likely to find somebody willing to offer you less. Next, raise your deductibles. If you drive carefully enough and only use your car to drive to and from work, road accidents shouldn’t be a frequent feature of your life. Next, don’t buy too much liability coverage. Liability insurance is there to protect your assets. It would be superfluous to take out property and bodily injury coverage that’s way beyond your net worth. Next, Collision coverage and Uninsured Motorist coverage essentially offers the same benefit. If you already have the one, you don’t need the other. Finally, safety features on your car go a long way to getting you discounts. More safety features mean more discounts.

Can you give me some tips on how to get vehicle insurance that’s cheap yet has enough coverage?

Carol

St. Paul, MN

If you want to get vehicle insurance that’s cheap but has enough coverage, you may ask your insurance carrier to give you the minimum insurance required by the state of Minnesota. This minimum insurance requires that you have liability, PIP, underinsured, and uninsured coverage.

The minimum requirement for liability coverage is 30/60/10. This figure stands for $30,000 liability on the bodily injuries of one person, $60,000 bodily injuries of two or more persons (as long as all injuries were acquired in a single accident), and $10,000 worth of liability for physical damages made to other vehicle/s involved and to other property damages.

For Personal Injury Protection (PIP), you should cover $40,000 for each person per accident. This figured is composed of $20,000 worth of medical expenses and $20,000 worth of non-medical expenses like lost wages and replacement fees.

For the underinsured motorist liability, the minimum coverage is $25,000 for bodily injuries of one person and $50,000 for two or more persons.

For the uninsured motorist liability, $25,000 worth of coverage is required for one injured person, and $50,000 is required for two or more persons.

If you think that by getting the just minimum required coverage is not enough for you to get vehicle insurance that’s cheap enough, you may try checking with the insurance company if they offer discounts that are applicable to you.

How can I enhance my chances of getting cheap insurance for my vehicle?

Hanna

Chicago, IL

There are a lot of ways for you to get cheap vehicle insurance. It starts by shopping for a cheap insurance policy from a good insurance provider. You can browse the Internet and look for websites of insurance companies that can provide you with affordable vehicle insurance. Alternatively you can visit websites of insurance brokers which can help you in comparing insurance policies and rates of various insurance companies.

When applying for cheap vehicle insurance, always make sure that you provide the most accurate information as possible. This will enhance your chances of getting the cheapest possible insurance for your vehicle.

If you want to get cheap vehicle insurance, you should present a good driving history. You should not have too many traffic violations. You should present yourself as a responsible and defensive driver.

Another way of getting cheap car insurance is to give your car a boost in terms of security. Installing it with anti theft devices and immobilizers should help you get discounted rates.

If you have a good credit history, present this to your insurance company so that it will give you further discounts.