Women’s Auto Insurance Colorado CO
Reader’s Question:
I heard from a friend here in Colorado that women can get better auto insurance rates than men. Is there any truth to this?
Rita
Denver, CO
Hi there, Rita! the Nuggets’ current season in Colorado? Anyway, your friend did make a valid point that you should also look into. Women can get lower auto insurance rates and even female-specific services when available. You can try surfing the internet and read up on insurance specifically marketed towards women.
I am sure that you will find this interesting piece of information: women are considered to be safer drivers compared to men. Why? Most major vehicular accidents can be traced to a male behind the wheel. I don’t know whether there are more male drivers than females, or maybe the cost of claims of men are substantially higher than the women drivers. Regardless of what version of the truth is out there, auto insurance companies did find this to be juicy enough to consider women as less risky to insure and thus offer them lower auto insurance rates. However, even if this is a specific product offering, the female should still consider browsing around for the best auto insurance rate possible. I am sure that with a bit of good old fashioned “get a lot of quotes” approach, one can still find a low or cheap auto insurance rate.
Tags: car insurance quotes, car insurance rate, cheap auto insurance, Female Car Insurance, women car insurance
Driving Without Automobile Insurance Massachusetts MA
Reader’s Question:
I am a college student in Massachusetts who has just been involved in a car collision which resulted in, luckily, only minor damage to my car. At the time of the accident, I didn’t have the car insurance policy inside the car. The police officer who was there told me I am really screwed. What do you think will be my legal problems?
Vince
Boston, MA
I hate to state the obvious, but you really are screwed. According to Massachusetts law, you are required to bring the insurance or certificate from the car insurance company at all times with you (it should be easily accessible), or else it will be prima facie evidence that you have not maintained your car insurance as required by law.
I advise you to jot down all the details and circumstances about the accident. Get the contact numbers of the driver (or drivers) involved in the car collision. It would be wise also to get the contact number and information from any witnesses on the scene. (Wait. The accident has already happened, so if you didn’t get the contact info of the important people, then you are really really screwed.) In any case, call your car insurance agent and give the details of your vehicular accident. Not having your proof of car insurance may be used as presumption of not possessing car insurance, but of course this may be rebutted. In a worst case scenario, get a good lawyer.
If you are a nonresident of Boston, I hope you had filed a nonresident driver statement (this is required for nonresident students) with the law enforcement agency in your school’s vicinity. Not doing so will earn you a fine of $200 and above. The school or college you are attending is also obliged by Massachusetts law to inform you of this requirement. In fact they will be fined for not complying with this law.
Good luck, Vince!
Tags: auto insurance policy, car insurance, car insurance law, driving without insurance
Tickets and Car Insurance Rates New Jersey NJ
Reader’s Question:
I got a couple of tickets for speeding here in New Jersey. Would that affect my car insurance rates?
Jimmy
Bayonne, NJ
There are certain factors that would affect your car insurance rates, and that includes rating systems of different insurance companies as well as state laws and guidelines. These state laws and insurance guidelines will definitely have an effect on the prices of your car insurance rates. Some insurance companies will let a speeding ticket slide, and there are some who will consider cancelling your policy. But these factors vary from company to company and from state to state, so be sure to contact your insurance provider to get some more details.
You have to know that most insurance companies there in New Jersey are going to look into your driving record in assessing your rates. The duration of your offense is also critical in deciding your premiums–for example, the number of speeding tickets you had in a certain span of time. If those speeding tickets occurred within ten or more years, then your insurance provider might not increase your rates. But if the speeding offenses happened in the span of only five years or less, you might be considered as a high-risk driver, which could mean higher rates for your car insurance. And if you get speeding convictions within only a year or even less, then that could result in skyrocketing policy rates for you and possibly the cancellation of your driver’s license.
Remember that a clean driving record will always be the key factor in determining your policy rates, so drive safely to avoid accidents. A couple of speeding tickets will likely result in your rates going up, and if you’re not careful enough on the road, then more speeding tickets may lead to your policy being cancelled altogether.
Different insurance companies have varying ways and guidelines in assessing your rates, so be sure to check it with your insurance provider. You can also gather information regarding this matter in your state’s insurance department. Or try going online for more answers to your car insurance query.
Tags: car insurance law, car insurance rate, high risk insurance, traffic violation