Low Cost Commercial Vehicle Insurance
Reader’s Question:
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.
Cheaper Rates On Commercial Motor Vehicle Insurance?
Reader’s Question:
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.
Do I Need Additional Auto Insurance For Pizza Delivery Vehicle?
Reader’s Question:
If I were to get a work as a pizza delivery driver in Watertown, South Dakota, do I need to buy additional car insurance to cover me while on the job?
Snyder
Watertown, SD
According to the South Dakota Department of Insurance most personal car insurance policies will exclude coverage for the car while it is being used for “business purposes” such as pizza delivery. Many car insurance policies in fact have exclusion for using your vehicle for delivery purposes like this.
You can talk with your insurance agent if your personal vehicle insurance policy will cover you as a delivery boy, but likely it will not. The restaurant you work for may already have car insurance liability protection for this kind of activity to cover the restaurant’s exposure. This may however not protect you if an accident happens. The restaurant will typically require additional insurance to protect themselves if you are negligent.
What Are The Penalties For Driving Without Insurance in Virginia?
Reader’s Question:
What are the penalties for driving a vehicle without car insurance in Virginia?
Rhonda
Suffolk, VA
Virginia car owners who are uninsured or have not paid the UMV fee will have their vehicle registration and driving privileges suspended. To have your license reinstated the driver must pay a $500 statutory fee, file a an SR-22 or Financial Responsibility Insurance Certificate with the Department of Motor Vehicle for three years and pay a reinstatement fee.
Being cited for driving uninsured will result in fines, cancellation of the registration on all cars that you own or co-own and suspension of your driver’s license. To check the amount of your fine, call the court listed on the citation since the amount can differ depending on the jurisdiction in which you received the ticket. Some VA courts have a system in which you can pay the fine online.
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