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  • Do I have to get auto Insurance?
  • What is PIP auto insurance
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  • Will a defensive Driving course
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  • Can my boyfriend borrow my
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Questions & Answers

What is a rough estimate of how much my car insurance would cost per year? I'm a 19 year old male purchasing a 2006 Toyota Camry.

Auto insurance premiums vary greatly from driver to driver. It is pretty much impossible to give you an estimate of how much your insurance will cost without knowing more information about you. Auto insurance companies look at your age, location, driving record, make and model of your vehicle, credit history, etc.

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I am 18, and I am sick of paying outrageous prices for auto insurance. When will my rates go down?

Unfortunately, when you are 18 you are still considered a high risk driver, and your car insurance provider will charge you higher rates. Normally a young driver will see their auto insurance rates drop once they reach the age of 25, so you still have a few years of paying higher rates to go. Some auto insurance companies will give drivers a break at the age of 23 if they have a clean driving record.

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I live in Austin, Texas, and I am trying to find a new auto insurance company because my current provider is charging me too much. Where can I find the cheapest auto insurance in Austin?

There are lots of different ways to find cheap auto insurance no matter where you live. It just takes a little bit of effort on your part. Luckily the internet has made the search for auto insurance easier than ever. In order to find cheap car insurance in Austin you should compare auto insurance quotes from at least 3 different companies.

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I have had my driverís license for 3 years now. Why is my auto insurance still so expensive?

You are still considered an inexperienced driver after only having your driverís license for 3 years. Car insurance companies consider inexperienced drivers more high risk. Statistics show that teen drivers are much more likely to get in to an accident and to be at fault in the accident. Itís going to take some time for your auto insurance rates to come down, and unfortunately itís probably going to be more than 3 years.

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I have been in 2 major accidents and received 5 speeding tickets this year. Can my auto insurance provider decide to cancel my policy?

Yes, your auto insurance company can decide to cancel your policy if they feel that you have become too much of a risk to insure. If you have had multiple insurance claims and numerous traffic violations your insurance provider might decide that simply raising your rate just isnít enough and may terminate your policy. If this happens, you will need to start searching for another auto insurance company immediately so you donít have a long period without insurance coverage.

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Do I have to get auto insurance?

Yes, almost every state requires that drivers have auto insurance coverage. Most states have a minimum liability insurance coverage amount that a driver must have. If you get pulled over without insurance you will receive a ticket and possibly be required to get an SR-22 filing that provides proof of insurance to the state. If you get in to an accident without auto insurance coverage you will be required to pay for all of the damages out of pocket which could cost you tens of thousands of dollars.

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How long are you required to have SR-22 insurance for in Richmond, Virginia?

The state of Virginia requires that a driver needing an SR22 filing maintain SR-22 insurance coverage for a period of 3 years. It is important to note that you must carry continuous SR-22 insurance coverage during this time period. If you let your SR22 policy lapse or your insurance provider terminates your policy, you will have to begin your 3 year period all over again.

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What is PIP auto insurance coverage?

PIP stands for personal injury protection and is a type of coverage that you can choose to add on to your auto insurance policy. This type of auto insurance coverage covers the medical, funeral and hospital expenses of the insured driver and any passengers or pedestrians that are hurt in an automobile accident. You can choose the dollar amount of coverage that you want included in your car insurance policy.

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I got a speeding ticket last week. Will this cause my auto insurance rates to go up? If so, how much?

That just depends on your auto insurance company and your driving record. If you have had multiple tickets or have been convicted other moving violations there is a greater risk of your auto insurance premium going up. If you have had a clean driving record up to this point, your auto insurance company might be more lenient and not raise your rates. There is no set dollar amount that auto insurance companies raise rates when drivers get a ticket.

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If I allow my boyfriend to drive my car, will my auto insurance cover him if he gets in to an accident?

The general rule is that auto insurance follows the car not the driver. If you have insurance coverage on your vehicle, it will normally cover any one you allow to drive your vehicle. You need to check with your insurance company though because some policies do not provide coverage for every driver that drives your car. For example,

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Can I get a discount on my auto insurance by getting a car alarm?

Yes, most auto insurance companies do offer a discount for having a car alarm. Your auto insurance premium is determined by how much of a risk you are to insure. Having a car alarm will lower your risk of having your car broken in to or stolen and will also lower your car insurance rate. You might want to call your insurance company to see how much money you can save every month by getting a car alarm.

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I own a 1992 Honda Accord, and I only drive it about 2000 miles a year. What can I do to get a cheaper auto insurance rate?

Since you are driving an older car, you might want to consider just carrying liability insurance (required state minimum coverage). Liability insurance is much cheaper than full coverage. Liability insurance only provides coverage for damage you do to other peopleís vehicles, property and any injuries you may cause. It does not cover any damages to your vehicle. Sometimes basic liability insurance is a good option for a driver with an older car that doesnít drive many miles because it isnít worth it to them to have full coverage and pay higher premiums for a car that isnít very valuable.

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I am turning 16 next month, and my parents are buying me a car for my birthday. I really want a sports car, but I am worried that the auto insurance will be too expensive. What can I do?

Well, unfortunately teen auto insurance is going to be very expensive no matter what you drive. You are better off driving a small 4 door car or a minivan. Itís really not a good idea to drive a sports car when you are an inexperienced, young driver. Statistics show that teens that drive sports cars are much more likely to get tickets and in to accidents, and insurance companies charge ridiculously high rates to offset this risk.

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Do I have to get full coverage auto insurance for my new car?

That depends on if you financed the vehicle or not. If you financed the vehicle, the lien holder will most likely require that you carry full coverage insurance. They will also require that you send in proof of insurance coverage. If you do not provide proof of insurance or do not maintain auto insurance coverage for the life of the loan, the bank has the right to repossess your vehicle or take out an auto insurance policy on the car and send you the bill.

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If I take a defensive driving class, will my auto insurance company lower my premium?

Typically, most car insurance providers will give you a small discount when you send in proof of completion of a defensive driving course. The amount of the discount varies from company to company. Insurance companies see you as less of a risk to insure after completing this course and are more willing to offer you low cost auto insurance.

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