I’m a mother of a 19 year old kid. He is starting a delivery service and I am worried about car insurance. What can I do as a mother to find the cheapest  commercial vehicle insurance.

Marian

Jackson, MS

Your kids will not drive their toy cars forever. Eventually, they will grow and learn to drive the real thing. Although the idea of it can be uplifting (knowing your babies are grown up and starting to be independent); it can also be daunting. It is simply because they are inexperienced and they are not yet fully aware of the dangers of the road.

Well you can always do something about it. You can be a role model to them. Teach them how to drive safely. Enroll them to driving classes. However, we can never tell when accidents will happen. They might not find it but it can find them. Let us face it. The world is full of careless and irresponsible drivers.

Therefore, if prevention does not work, the right protection you can give to them is car insurance. However, there are certain things you need to learn about car insurance for young drivers.

First, expect that purchasing car insurance for young drivers will wind you paying for higher rates. As mentioned above, most of them are inexperienced drivers. Therefore, they are most likely at risk for accidents. Second, statistics have proven that younger drivers are also prone to accidents. Insurance companies consider age as a factor for calculating premiums. In this case, it will normally be high. Third, the gender of your kids can also affect your rates.

However, you can always save if you decide to cover them under your policy. You can also inspire your kids to get good grades at school. Encourage them to keep a clean driving record. Lastly, pick out cars, which are safer to drive. Eventually you will be entitled for discounts to lower you rates. Doing these things will not only protect your kids from accidents; your savings is also ensured.

What will affect my commercial vehicle insurance quote in Michigan? Is there a list of commercial vehicle insurance companies I can choose from?

Irene

Detroit MI

There are different types of insurance being offered by insurance industry. There are health insurance which aims to take care of the financial factor when you get sick. In this kind of insurance, the main factor that will affect the insurance cost is your health status. There is also life insurance which aims to take care of the family left behind by the policy holder. In this type of insurance, the probability of how long or short you will live will affect the insurance premium. And, there is also vehicle insurance which is also known as car insurance, motor insurance or auto insurance. This type of insurance aims to protect you from financial backlash when your car gets involved in a car mishaps.

One of the major factors that will affect your vehicle insurance quote is the level of protection or coverage that you want to include in your policy.

• If you just want to meet the required coverage mandated by law, then you can get the bodily injury liability and property damage liability coverage. These 2 give protection to the innocent third parties – people and properties hit by your car.
• There are 16 states that require personal injury protection (PIP). This will give you reimbursements for your medical bills and salary loss incur due to car accident.
• Collision and comprehensive coverage will pay in the incident that your car get damaged or stolen, even if it’s your fault.
• Uninsured and underinsured motorist coverage will cover you if the motorist at-fault has none or does not have enough vehicle insurance policy coverage.

There are still a lot of different types of coverage to answer your different needs. But the above mentioned are the most common types. The law only requires you to have bodily injury liability and property damage liability coverage. If you will only get what is required by the law, then your vehicle insurance quote will be minimal.

But if you want to include other types of coverage because you and your car need them, then you can expect to get a higher vehicle insurance quote. Nevertheless, you will feel more secure about your car as you will be financially protected from whatever kind of mishaps your car will get involved with.

I am new to this online purchasing of insurance policies in Texas. How can I get cheap commercial vehicle insurance quotes from the Internet and purchase a policy?

Dave

Houston TX

The Internet has provided a magnitude of benefits to us these days. It has given us the convenience to make our lives easier as we continue to do our tasks each day. Without the Internet, learning about the world of vehicle insurance will be an arduous task for us. Thanks to the Internet, we have great wealth of information sources to discover the importance of having insurance policies in our lives and the tips that will help us get the most out of our policies.

The power of the Internet will allow you to grab as many motor vehicle insurance quotes that you will need in your search for the vehicle insurance policy with good insurance coverage at reasonable price. That’s not all. You even receive these large quantity of quotes all in a matter of minutes. It is that fast and easy, thus increasing your productivity and efficiency.

First and foremost, the most obvious thing that you need is having access to an Internet connection. This shouldn’t be hard for you since almost everyone has access to it. Whether you are at home or in the office, make sure that your personal details is secured in the computer you are using.

Next, you need to know where you will get your motor vehicle insurance quotes in Texas. There are many web sites that can process your request for quotes. Most often, they are affiliated with many vehicle insurance companies where they can get your quotes from. In a matter of minutes after you submit your request, you’ll have many vehicle insurance quotes at hand.

Make sure you compare the motor vehicle insurance quotes against each other. Which quotes are offering you insurance coverage types that you need? Which ones are offering you enough insurance coverage? Which ones fit your budget?

Before you purchase your vehicle insurance policy online, check how much you’ll be paying. Is this the same amount as quoted in the proposal? When can you start paying? Are there no questionable or ambiguous terms and conditions in the policy? Once you feel secured with your policy, you can purchase it already. Happy hunting!

A friend of mine, who’s only 20 years old, has been complaining about his commercial vehicle insurance here in California. What can I tell him to do so that he can be able to save money from it?

Gem

Anaheim, CA

A young driver like your friend could be able to get lower commercial vehicle insurance in California if he just follows some simple things. Here are some helpful tips for him:

1. Make sure that his vehicle is equipped with safety features such as anti-lock brakes, car alarm, airbags, etc. If he already does, let his vehicle insurance company know about this so that he will be considered low risk, thus, he can save money from his vehicle insurance.

2. If he still studies, he can get a good student discount on his vehicle insurance if he has an average of at least B in school.

3. Let him know that he has to reduce his mileage so that his risk to have accident will be reduced as well.

4. Tell him that he has to take care of his credit history so that he can be perceived as a responsible person, thus responsible in driving as well.

5. Keep a low profile vehicle and inform him not to drive a sports car because this has higher vehicle insurance premiums.

6. Advise him that he has to shop around for vehicle insurance quotes and compare them. He has to visit at least three vehicle insurance comparison quotes sites so as not to miss offer from other sites. This will give him a much wider basis for comparison and boost his chances of having better vehicle insurance quotes.

I heard commercial van insurance companies in Maryland offer discounts for security device system but I am just wondering what security devices are they. I need to get discount on my car insurance because I cannot afford it any longer. Do you know any car insurance companies who offer this kind of discounts?

Michael

Baltimore, MD

Generally, most insurance companies in Maryland and in other states will allow to get anti-theft or security device discount which would apply to Comprehensive coverage.

The discount that you can get may vary from one insurance company to the other but typically this can save you up to 5% to 20% savings and this is usually applied to car with a passive disabling device which renders the fuel, ignition or starting system inoperative.

Most newer car models have this type of system already installed as standard equipment. The car insurance discount will usually also apply to cars with LOJACK devices. Usually, proof of installation, such as a receipt or service order must be provided as a proof.

Do not worry, a lot of Maryland car insurance companies are offering this type of car insurance discount. Other than that, you can also take advantage of other discounts as well such as low mileage discount, good driver discount and defensive driving discount.

How exactly do I get myself affordable commercial motor vehicle insurance coverage without sacrificing coverage or liability limts?

Joe

Hartford, CT

Good question. There are still many ways to get affordable auto insurance coverage these days. Here are some very useful tips to help you out:

1. Get Your (Driving) Act Together - A good driving record can help you a lot in keeping your auto insurance within budget. The less risk you have getting into car accidents, the lower your rates become.

2. Good Credit Helps a Lot – Excellent credit can go a long way to save you money. Insurers look at people with good credit as more responsible drivers who deserve cheaper rates.

3. Bigger Deductible, Bigger Savings – Set your deductible to a higher amount to lower your premiums. Just make sure you don’t make it too big.

4. Drive Less, Save More – Reducing your total annual mileage can make you eligible for low-mileage discounts (check with your insurer for exact mileage threshold).

5. Avoid Filing Claims Frequently – Filing claims are essential, that’s the reason you got insurance in the first place, but the more you file claims the higher the risk you represent to your auto insurer. Save that claim for when you actually need it.

6. Do Some Legwork – Shopping for auto insurance online can cut you some slack on expensive coverage. With the help of an online auto insurance comparison website you can get and compare the latest offers coming from a wide selection of insurers.

I have a vacation home in Orlando, Florida and I reside most of the time in New York. I want to buy a car in Florida, register and insure it there. Is it possible that I could use it when I went on vacation? This is a commercial vehicle, can I still get a quote online?

Henry

Orlando, FL

Yes Henry, it should be possible for you to register and insure a car to keep at your vacation home in Florida. There are actually many “snowbirds” that live part of the year in Florida and the other part in different parts of the US or even out of the country. The state of Florida requires any seasonal or part time resident living in Florida for 90 days or more during the year to get a Florida personal injury protection (PIP) and property damage liability (PDL) car insurance for their vehicle.

Since it sounds as if your car will remain in Florida year round then you will need to keep this Florida minimum insurance on the car for the whole year. For the months that you are not in Orlando, Florida you must continue to maintain car insurance on your vehicle or surrender your Florida tag and registration at the nearest driver license or tag office. If you opt to do this, when you next return to Florida you can register the vehicle after you have obtained proof of Florida insurance once again. Contact the FL Department of Highway Safety and Motor Vehicles (HSMV) to get information on how to register a car in Florida.

I’m from South Carolina, and I have been with the same car insurance company for many years now. Since my insurance policy is almost expired, I went to the company to have it renewed, but they refused to approve it. What could be the reasons to refuse car insurance renewal?

Steven

Greenville, SC

In South Carolina, it is legal to drive uninsured, provided that you pay the annual fee of $550. You also need to be financially responsible if you cause a car accident. With medical and repair cost shooting up each year, having car insurance coverage will save you from the worries of having to pay huge amounts of money if ever you do cause an accident. That is why it is very important to consider a few things that may become reasons for refusal of car insurance renewal.

Firstly, you need to get an online review of your current car insurance coverage. Check out other companies’ websites to get an idea of the prevailing prices. Try to read on the pros and cons about the options available since many websites give out different options for insuring your car. This way, you will know if you really are getting your money’s worth from your current car insurance company.

Secondly, you need to review the points that may affect the favorable decision on your policy renewal. If you had multiple accidents in the past, your insurer may refuse to renew your policy based on this since you have a higher potential of filing claims, which could mean a great financial loss for the car insurance company. If you got multiple moving traffic citations, it could also affect your policy renewal. Although you can always take a driver improvement course to remove the tickets, the citations will be on your driving record, which is periodically checked by insurers.

If your renewal is refused, shop around. Companies use different methods in calculating risk. There always are car insurance companies out there that cater to those who have been refused by other insurers.

My car’s windshield got broken in an accident that involves my friend’s surfboard. I want to know if I can claim from my car insurance or not. By the way, if I don’t get the glass replaced soon, can I still drive the car around even with that broken glass? Will I be ticketed by the Florida police?

Ryan

Miami, Florida

In Florida, if you carry only the Personal Injury Protection (PIP) and the Property Damage Liability (PD), which is the minimum auto insurance required by the state, then expect that your damaged windshield will not be covered.

Typically, the repair or replacement of a windshield is covered by the Comprehensive Coverage. In your state, if you carry this kind of policy, the deductible is waived when the windshield is being replaced. This is noted under Florida Statute 627.7288. So, if you only have liability coverage in your policy, it is likely that you would have to personally fund the replacement of your windshield.

It is possible that you may be ticketed for a broken windshield, especially if the law enforcer finds the damage to be obstructing your view and considers it unsafe. Under Section 316.2952, it is stated that a vehicle must have a windshield. However it is not stated that the vehicle has to have a windshield that is in “proper condition.” Therefore, this conviction would have to be assessed further in court. If the court finds the broken windshield to be unsafe, then it would state that you are violating Section 316.610, which is driving an unsafe vehicle.

I’m wondering if an insurance policy in Baltimore, Maryland is written with two adult names and one of them dies, is the premium lowered?

Frances

Baltimore, MD

Good question Frances. If there are two adults on an insurance policy and one of them is taken off of the policy (for many reasons, such as death), then the rate can be affected. It may possibly be lowered, it depends upon the rating system and if the insurance policy premiums were higher at all due to the second adult driver being on the insurance policy.

Contact your insurance agent in Baltimore, MD since insurance guidelines and rating systems differ, to find out how your specific insurance companies rating system works and how your rates would be affected in this type of situation. If your rates would not be lowered you can compare by shopping online if you have internet access, for better car insurance rates. The only rating factor difference that some rating systems may see for is a widow versus single, but typically a widow rating variable would cost less than a single rating variable.