Can I get a separate insurance policy with a different insurance company for an additional car in the household? I planning purchase another vehicle and add my 18-year old son as an occasional driver. My current insurance provider said that my car insurance rates will double because they said the car that I am planning to purchase will be driven primarily by my son. I checked different quotes with a different insurance company with myself as the insured and my son as an additional driver and the quote was very low. We live in Baldwin Park California.

Michelle

Baldwin Park, CA

Yes, you can purchase a separate insurance policy for the new car from a different car insurance company in some situations but all insurance providers have to be informed of all drivers and exclude them or rate them on the their car insurance policy.

Additionally, many insurance companies will require the liability limits to be the same on all insurance policies because both policies can be held responsible in certain car insurance claim situations.

You may shop around for car insurance quotes for all the cars to be placed on one insurance policy online.

Hi! I just received a speeding ticket out of state and I am wondering if this will make my car insurance cost go up? I have a good student discount and I would my insurance company find out about the speeding ticket or not? I got it in WI and I live in Bloomington, Illinois.

Jam

Bloomington, IL

Once you have been convicted of the speeding violation, the state of WI courts will likely send the information about this speeding citation back to Illinois. According to Administrative Code information out of state traffic violations will be added to your IL driving record and assigned points.

As for your insurance cost, if the WI speeding violation is put on your  Illinois driving record then your insurance provider, could see it the next time they pull your Motor Vehicle Record. Depending upon their rating system this out of state traffic ticket may or may not increase your car insurance premium cost.