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
Cheap Automobile Insurance Rate Trenton New Jersey NJ
Filed under: DMV issues, SR22, SR22 Bond, SR22 auto insurance
Reader’s Question:
I’m planning to buy a car. I’d like to be practical about things. I am looking for cheap insurance rates. Can you tell me which cars would fetch cheap auto insurance premium? My name is Kevin, and I’m in Trenton, NJ.
Kevin
Trenton, NJ
Hi, Kevin. I’m Rainier, and I’m also in Trenton, NJ. It’s really not just the car that affects the premium rate . The owner has a lot to do with a lot of things. But, yes, the car has an effect on the rate, too. There are certain types of cars that would guarantee a high premium rate. Car types and makes that are statistically proven to be theft prone would fall under that type. If a car is stacked with high tech gears, repair price would be expensive and premium rate will be high. A powerful car would also fall under this category. The faster, more powerful it is, the higher the premium. A mustang, for example, would fetch a high premium as it is a powerful car. The cheapest to insure are small sedans with the most safety features. Bear in mind that cheap cars do not automatically mean that the insurance will be cheap. And also, just because a car is expensive doesn’t mean that the premium will be, too. Safe cars fetch lower premium rates.
Your driving habit and history contributes to the whole premium thing. If you are not a high- risk driver, premium will be lower. Safe car, safe driving history and habits make cheap premiums.
Tags: auto insurance, auto insurance premium, car insurance cost, car insurance rate, cheap auto insurance
What To Do If Your Car Was Stolen
Reader’s Question:
Help! My car was stolen. What do I do?
Paul
New York NY
A stolen car is a very bad experience. Here are things you need to do when your car gets stolen.
1. You should contact the law enforcement officer immediately so that a stolen vehicle report will be filed. Usually a car insurance carrier may deny a car insurance claim or will not process it if no police report was filed.
2. Make sure that you contact your car insurance provider after you report the stolen vehicle to the police. Regardless if you have comprehensive coverage or not, you should still inform your car insurance company about the stolen vehicle. Informing your car insurance carrier about the vehicle being stolen if the he one who stole your vehicle causes damages to other people’s properties. Make sure you also inform your car insurance provider if your vehicle has been recovered so that your car insurance claim will be processed quickly.
If you decide not to buy comprehensive car insurance you can verify if your car insurance policy will cover the rental vehicle.
Tags: auto insurance
Driving Without Auto Insurance Burnsville, Minnesota MN
Reader’s Question:
I recently received a ticket for driving without insurance Burnsville, Minnesota.So I purchased insurance paid the fine, appeared in court etc. When I was at the courthouse, they did not asked for proof of insurance. Later on, the Department of Motor vehicle told me that my drivers license and license plates were revoked when I tried to renew my tabs! How did this happen? I thought I should be fine after paying all the fees and after I appeared in court. Did I miss something?
Jack
Burnsville, MN
That actually should not have happened. This should be resolved with the MN Department of Motor Vehicles . Tell them that you appeared in court and have satisfied what was required of you. The reason for the court suspend or revoke your drivers license would be if if you are arrested, you failed to appear in court ,charged and convicted for infraction of MN driving law. I suggest that you contact them as soon as possible to resolve this
If they inform you that you did not satisfy the requirements in the state of Minnesota, then you may now be required to show proof financial responsibility insurance.
Tags: driving without insurance
Vehicle Insurance Lapse Greenville, South Carolina SC
Reader’s Question:
I still have the plates on my vehicle and I do not have auto insurance in my vehicle in Greenville, South Carolina. I want to trade it in. I am just wondering what the penalties will be for still having the license plates on my vehicle?
George
Greenville, SC
You are required in Greenville, South Carolina to carry 15/30/10 car liability insurance on your vehicle. If your automobile insurance lapses or cancels you need to return your car license plates and registration to the Department of Motor Vehicle or reinstate your car insurance coverage.
If you want to reinstate your license you will be subjected to is $200 fee and a $5 penalty for each day the car was not insured or the license plates were not turned in. The maximum penalty fee for the first violation would be $400 per automobile.
In addition, the South Carolina Department of Motor Vehicle should have been informed by your auto insurance carrier when your auto insurance lapsed or canceled so your car registration and driving privileges might have been suspended. You will have to verify with the South Carolina Department of Motor Vehicle to check what the penalties are for your specific concern.
Tags: auto insurance
Cheap High Risk Car Insurance Loveland Colorado CO
Reader’s Question:
I receive a ticket for intoxicated driving. I am 20 years old and I was wondering how much my auto insurance in Loveland, Colorado will increase because of this?
Green
Loveland, CO
If you are convicted of intoxicated driving which is a type of DUI offense then your car insurance rates are likely to increase a decent amount. Certain violations may cause an insurance company to turn down the policyholder for insurance coverage or to pay high-risk insurance rates.
According to the Department of Transportation in Colorado, your car insurance could go up 30 % on average if you have a DUI offense on your motor vehicle record. With a driving under the influence conviction car insurance rates tend to increase and you will likely be now classified as a high risk driver.
The best way to find the cheapest car insurance rates after you have been convicted of a DUI is to shop around. Make sure you ask for any discounts available to you. This can be for safety features on your vehicle, driver improvement or traffic class, anti-theft devices, etc.
Tags: auto insurance, Car insurance discounts, DUI
Drunk Driving Insurance DUI Boulder, Colorado CO
Reader’s Question:
How long does a DUI remain on your driving record in Boulder, Colorado?
Lawrence
Boulder, CO
Driving histories provided by the Colorado Division of Motor Vehicles reflect activity that has been retained for the last 7 years. The Colorado Department of Motor Vehicle, records are for 7 years and cannot be limited to show any time period less than 7 years. The DMV records are maintained in accordance with Federal and State law, which includes the Fair Credit Reporting Act and the requirements of the Federal Trade Commission.
From this Colorado DMV information it would seem that your DUI remains on your driving record in Boulder for seven years. You may want to contact them directly to be certain a driving under the influence does not stay on for a longer period of time.
Tags: drunk driving insurance, DUI
DMV License Revocation
Reader’s Question:
When does your license plates revocation begin? Is it when you turn in your plates to the Department of Motor Vehicle or when the DMV sends you the card showing that your license plate is revoked?
Bill
Anderson, IN
You did not say which State and since each State has their own reasons and process for license plates being revoked or suspended you will need to contact your state’s Department of Motor Vehicles, or like agency that is requiring you to turn in your license plates, to check when your revocation begins.
You should also find out from the Department of Motor Vehicle how long the license plates are revoked for and when you can have them returned to you. If you lost your license plates because of being without auto insurance, or a lapse in your insurance, then you will likely be required to present proof of insurance to get your license plates back.