Question about car insurance?
Posted on Mar 31, 2008 under Insurance Information |OK, me and my fiancee have gotten a joint loan from our bank for a vehicle. Now I have my own insurance, but he is currently on is parents but need to get his own. What I'm wondering is can I put the new vehicle under my insurance or will he have to be added. I thought that in order to drive you have to have insurance but would it work if I just had the vehicle insured and if he was in a accident while driving it, it would be covered right? I really need help, I know absolutely nothing about this kind of stuff. Thanks for your help
March 31st, 2008 at 10:02 am
If you and your fiancee share or will share a household, you will have to be covered somehow. You cannot leave a fellow household member off your policy unless you can prove he/she has coverage elsewhere. Many companies will not even let you purposely "exclude" household members because they know the risk is great that they will end up driving the vehicles anyway.
If you have a lienholder (car loan) for the vehicle, you will also be required to have full coverage, not just liability insurance, by the bank (in case the car is damaged, they want to make sure you will be able to pay for repairs.)
Talk to a local independent insurance agent that you know, or that a trusted friend recommends. He/she should be able to find you the best rates for your particular situation. In some cases, if a young driver has a poor credit record or driving record, it may be best to leave him/her on the policy with parents and reimburse them for that coverage to save money if they are willing to do it that way.
Most companies will run what is called an insurance score when rating the premium. It is a combination of your credit score, your claims history, and your driving record. Collision claims (accidents) and tickets count against you and may put you in a higher rate category. Vehicles are also "rated" according to how expensive and dangerous they are to own/drive. If you have more than one vehicle on a policy, try to match the best driver up to the most expensive vehicle.
Some of the laws vary from state to state, and insurance rates also vary from even one zip code to another depending on traffic/crime rates for that area. Like I said, a good independent agent that represents several good companies can probably help you best.
March 31st, 2008 at 10:02 am
There are lots of people having the same question like you and yours is just another one. Basically speaking about auto insurance<!–auto insurance is the most widely purchased type of insurance coverage. auto insurance is designed to protect you, your family, and your automobile. You may get your query answered here,
http://www.best-autoinsurance.we.bs/
Cheap auto insurance is a popular avenue these days, but you should be sure that you're getting all of the coverage you need, as damage to your auto or another–>person's auto may cost you money out-of-pocket if you don't have sufficient coverage and your auto insurance rate may go up.
March 31st, 2008 at 10:02 am
The first guy is completely right. You should have no trouble adding your fiancee.
March 31st, 2008 at 10:02 am
This cannot be answered correctly without your policy wording to verify who is covered and when. Typically most "good" policies will cover a permissive user who is not listed on the policy. However, those same policies may have exclusions that void coverage if the vehicle is "furnished for regular use."
I've had good results here…
http://www.surveyland.org/jump.php?link=insurance
Good Luck.
March 31st, 2008 at 10:02 am
Cars are insured, not drivers. If the car is insured, and the driver has permission to drive the car, then the insurance must cover it. Doesn't matter who is listed as the owner. For instance, I could buy insurance for your car if, I chose to or you could buy insurance for my car.
March 31st, 2008 at 10:02 am
you know,if you want to get the most relevant answers,you got to try to find it out yourself,since only yourself knows what you really want.here is a good resource for you to start.http://car-insurance.online-tips.info/best-low-car-insurance-rate.html
March 31st, 2008 at 10:02 am
Hello,
We often take for granted what a convenience our cars are. I was paying a low price for my insurance, but at renewal time, my insurer tried to increase my rates.
My friend sent me a link to this site:
http://www.help-house-mortgage-rent.org
They have a free search to compare auto rates from the major insurers. It saved me a lot of money!
Best of Luck
December 2nd, 2010 at 7:33 pm
Between me and my husband we’ve owned more MP3 players over the years than I can count, including Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etc. But, the last few years I’ve settled down to one line of players. Why? Because I was happy to discover how well-designed and fun to use the underappreciated (and widely mocked) Zunes are.
December 3rd, 2010 at 1:01 pm
Your weblog is admittedly very good. I love browsing it in spite of this, the writing seems to be kinda unusual when using the chrome web broswer
December 3rd, 2010 at 7:57 pm
Thanks a million for this, I appreciate the info
December 4th, 2010 at 1:48 pm
I’m getting a javascript error, is anyone else?
December 6th, 2010 at 12:36 pm
I agree, ty for posting this..
December 6th, 2010 at 1:44 pm
i was reading throught some of the posts and i stumble on them to be very interesting. sorry my english is not exaclty the bloody best. would there be anyway to transalte this into my patois, spanish. it would really assist me a lot. since i could compare the english terminology to the spanish language.
December 6th, 2010 at 1:47 pm
Very efficiently written post. It will be helpful to anybody who usess it, as well as yours truly :). Keep up the good work - i will definitely read more posts.
December 6th, 2010 at 5:06 pm
Insightful post, thanks for taking the time to write it. I like the direction you are taking your blog. I’m bookmarking your blog in order to follow along in the future. Looking forward to more posts soon.
December 6th, 2010 at 9:50 pm
Well i was going to agree with the poster before me, it seemed like he had a valid point, and yet you deleted it. What’s the point of these blogs if you wont let genuine people comment? It just spoils it for me! Anunturi Romania
December 7th, 2010 at 12:12 am
Well I definitely enjoyed studying it. This information offered by you is very constructive for correct planning.
December 7th, 2010 at 1:33 am
i agree, why jesus lets this go on is concerning
December 7th, 2010 at 6:53 am
This is a splendid info man. Thnkx But I’m experiencing problem with the rss feed. Don’t know why Fail to subscribe to it. Does anybody facing similar rss feed issue? Anyone who can assist kindly respond. Thank you.
December 7th, 2010 at 11:55 am
Thank you so much for this! I havent been this thrilled by a blog for quite some time! You have got it, whatever that means in blogging. Anyway, Youre certainly somebody that has something to say that people should hear. Keep up the outstanding work. Keep on inspiring the people!
December 7th, 2010 at 1:49 pm
A fantastic blogpost, I just passed this onto a friend who was doing a little research on this. And he in fact bought me lunch because I found it for him. smile.. So let me reword that: Thanks for the treat! But yeah Thank you for spending the time to discuss this, I feel strongly about it and love reading more on this topic. If possible, as you become expertise, would you mind updating your blog with more details? It is extremely helpful for me. Big thumb up for this post!
December 8th, 2010 at 5:11 am
I am very pleased with how much better I feel now that I don’t smoke regular cigarettes, and the kids don’t complain about the smell. We can use these in the house, not in the cold garage, where we smoked cigarettes.
December 8th, 2010 at 11:22 am
Concise and written well, thanks much for the post
December 8th, 2010 at 2:07 pm
I was extremely tickled to stumble throughout this site.I wanted to thank you for this Fascinating blog!! I truly loved each small bit of it and I have you favorited to check out new tales you post.
December 8th, 2010 at 2:13 pm
hello friend, I recently found this website from cuil.com and start reading a few of your many other pages. They are superb. Pleasee continue this great work! Cheers,
December 8th, 2010 at 4:03 pm
Article’s title ought to be unique, catchy and related to your business or website. A well written article holds the attention of the reader till the last sentence. Submitting your article in additional than one article directories additionally helps in increasing its readership, consequently driving additional traffic to your website. Some good article directories are ezine articles, about. Press unharness submission is another technique used to make. Press release will be defined as “a public relations announcement being issued to the news media and other targeted publications for the aim of letting the public understand of company, specific event or product launch. ” you’re better suggested to form press unharness submission an optimal half of your selling campaign. Article marketing
December 8th, 2010 at 10:03 pm
I am always searching online for ideas that can assist me. Thx!
December 9th, 2010 at 7:46 am
My boyfriend is crazy about gym workouts. I’ll gift him P90X on his birthday.
December 9th, 2010 at 11:25 am
seriously this kind of loan is possible.. i want to know some loan providers name..
December 9th, 2010 at 3:23 pm
This really is such a fantastic useful resource that you’re providing and you give it absent free of charge. I love seeing web websites that understand the value of offering a top quality useful resource free of charge. It?s the old what goes about arrives around routine.
December 10th, 2010 at 11:01 am
Have you ever considered getting in touch with a good seo company to see if you can improve your ranking?
December 10th, 2010 at 10:40 pm
thanks good post
December 11th, 2010 at 7:40 am
Buying designer handbags is considered a luxury for most people. These bags cost a fortune which is why some people just consider this as luxury.
December 11th, 2010 at 5:58 pm
I agree, ty for posting this..
December 11th, 2010 at 6:24 pm
When I click your RSS feed it looks like a page of garbage, is the deal on my reader?
December 11th, 2010 at 8:37 pm
thanks good post
December 13th, 2010 at 12:16 am
Strange this post is totaly unrelated to what I was searching google for, but it was listed on the first page. I guess your doing something right if Google likes you enough to put you on the first page of a non related search.
December 13th, 2010 at 3:04 am
messed when I see it on my iphone. I’m not sure if it has something to do with my phone’s browser or your website? just sayinglicensed mortgage bankers
December 15th, 2010 at 8:56 am
You should Google and is light years ahead of competition.
December 16th, 2010 at 4:55 pm
Great! Thanks for post
December 16th, 2010 at 10:56 pm
That was informative. I dig your site, I’ll try to spread the word.
December 18th, 2010 at 12:46 am
Play station phone confirmed by UK TV gadget show host, Jason Bradbury, just thought you might like it.
December 18th, 2010 at 2:58 am
hi everyone, my canvas is european and i virtuous want to say that this is an excellent blog situation and i truly constitute it adjuvant, would it be o.k. if i submitted posts to this journal nearly topics i initiate newsworthy?
December 18th, 2010 at 8:13 pm
Super info it is without doubt. My father has been looking for this information.
December 19th, 2010 at 6:10 pm
Thanks to the Amy Adams character, we really get to see how an “outsider” views the family, and vice versa.
December 19th, 2010 at 9:47 pm
thank for post
December 19th, 2010 at 10:14 pm
said here tells us view of the situation. Thanks for your insight, It is nice to see views that interesting and helpful anyway.
December 20th, 2010 at 2:54 am
This is a fabulous internet site filled with tons of content. This particular piece is my favorite.
December 21st, 2010 at 12:02 am
There’s a huge amount of great tips in this page. I will be signing up to your rss feed.
December 21st, 2010 at 7:16 am
thank for post
December 21st, 2010 at 1:38 pm
man you hit the nail right on the head! great post
December 22nd, 2010 at 9:00 am
cool info keep up your good work thanks
December 22nd, 2010 at 12:16 pm
helpful. many tell you It is nice to see people
December 23rd, 2010 at 8:13 am
Hey, i just found this post on google, where do you get your details to write these posts?, i would like you to visit my www and tell me if you like it. We have put much energy into it, Thanks and have a good evening
December 23rd, 2010 at 8:54 am
Thank you! This will greatly help a beginner like me.
December 23rd, 2010 at 10:59 pm
Looks like you’ve done your research
December 24th, 2010 at 2:51 am
Many thanks for publishing this. This clarified quite a bit of concerns that I had.
December 24th, 2010 at 4:11 am
Good blog post! This is a incredibly interesting web-site in which you have.
December 24th, 2010 at 5:43 am
yesss very thanks man i love this site
December 24th, 2010 at 5:53 am
Great! Thanks for post
December 25th, 2010 at 9:26 am
1. Awesome article it is definitely. We’ve been searching for this info.
December 25th, 2010 at 1:11 pm
great thanks \o/
December 26th, 2010 at 4:27 am
very good information keep up the work! thankx
December 27th, 2010 at 2:49 am
One of the most useful weblogs I have come across for knowledge in this specialized niche. I’m going to be coming back regularly for brand-new articles or blog posts.
December 27th, 2010 at 11:15 am
I’m pretty delighted that I stumbled on this particular blog post. This’s just the information I was on the lookout for.
December 27th, 2010 at 9:18 pm
qwertyuiop4
December 28th, 2010 at 7:59 am
Pharma Whey [PhD Nutrition]: Very good product. Good value for money and added glutamine and BCAAs. Everyone is different and I actually liked the strawberry one, although you have to wait for it to settle after mixing. But what matters is that I made good progress while on this
December 28th, 2010 at 8:11 am
A fantastic post, I just given this onto a workfellow who was doing a little research on that. And he in fact bought me lunch because I found it for him…. :).. So let me rephrase that: Thankx for the treat! But yeah Thankx for spending the time to discuss this, I feel strongly about it and enjoy learning more on this topic. If possible, as you become expertise, would you mind updating your blog with more details? It is very helpful for me. Two thumb up for this share!
December 28th, 2010 at 9:40 am
I have read a few of the blog posts on your web site since yesterday, and I truly like your style of blogging. I bookmarked it to my bookmark website list and will be checking back soon. Pls visit my web site also and let me know what you think.
December 28th, 2010 at 12:01 pm
I would like to thank you for the efforts you have contributed in composing this blogpost. I am hoping the same top-grade work from you in the future as well. In fact your creative writing skill has inspired me to start my own blog now. Really the blogging is spreading its wings rapidly. Your write up is a fine example of it.
December 28th, 2010 at 9:15 pm
Thank you, I have recently been searching for information about this topic for long time and yours is the best I have discovered so far.
December 29th, 2010 at 12:35 pm
1. Top-notcharticle it is without doubt. Friend on mine has been seeking for this tips.
December 31st, 2010 at 5:03 am
Hello. I know it is not in line with your blog, but I am reading your website using my husbands new apple macbook but your post won’t display in the correct fashion, do you have any suggestions? Do you use a mobile theme for your site, if you do can you please make sure it is working and everything is correct at your webpage. I will also look at some of my other favourite websites to ensure it is not only myself. Thanks buddy.
December 31st, 2010 at 2:56 pm
woh I am delighted to find this website through google.
January 4th, 2011 at 10:58 am
Im extremely grateful that I seen this specific post. This’s exactly the info I was initially on the lookout for.
January 4th, 2011 at 7:20 pm
I’d just like to tell you how much I learn from reading blogs Bookmarked u.Hope to be back in the near future for some more good stuff
January 5th, 2011 at 3:35 am
I am enormously happy that I seen this particular post. This’s exactly the advice I was initially hoping for.
January 5th, 2011 at 7:12 am
There’s a good deal of great info within this document. I am signing up to your rss feed.
January 5th, 2011 at 11:37 am
I’ve found this particular page to be highly entertaining. Thanks a ton for creating it.
January 6th, 2011 at 12:16 am
This is a superb internet site filled with a whole lot of insight. This specific article is my favorite.
January 7th, 2011 at 5:34 pm
So Thanks a lot!
January 8th, 2011 at 3:25 pm
pleased also on article content Remarkable work long term future.If possible checkout my own timeLet me
January 8th, 2011 at 11:39 pm
this is a very riveting post, as a consequence of you on the information. Contrite my english is not the uncommonly best. do you remember if it is practicable to translate this to the spanish language. that would be very helpfull.
January 9th, 2011 at 7:52 pm
One of the finest weblogs I’ve come across for content throughout this specific market. I’ll be looking back constantly for unique articles.
January 8th, 2012 at 9:35 pm
… [Trackback] …
[…] Read More here: kingkings.com/2008/03/31/question-about-car-insurance/ […] …
January 18th, 2012 at 12:56 pm
More info…
[..] More info here [..]…
January 19th, 2012 at 4:54 pm
Sites You Should Check Out…
http://www.efreepsychicreading.com/lotus-tarot…
January 21st, 2012 at 2:06 pm
… [Trackback] …
How do you do? I simply love your gorgeous blog thanks and pls keep it up…
January 24th, 2012 at 12:46 pm
Sites You Should Check Out…
http://www.jucy.getlisted.co.nz/trailer-hire-christchurch…
January 27th, 2012 at 12:13 am
Online Article……
[…]The information mentioned in the article are some of the best available […]……
January 30th, 2012 at 4:30 am
… [Trackback] …
[…] Informations on that Topic: kingkings.com/2008/03/31/question-about-car-insurance/ […] …
February 2nd, 2012 at 1:02 pm
You should check this out…
[…] Wonderful story, reckoned we could combine a few unrelated data, nevertheless really worth taking a look, whoa did one learn about Mid East has got more problerms as well […]……
February 3rd, 2012 at 8:55 am
… [Trackback] …
[…] There you will find 64195 more Infos: kingkings.com/2008/03/31/question-about-car-insurance/ […] …
February 4th, 2012 at 3:30 pm
[…]the time to read or visit the content or sites we have linked to below the[…]……
[…]here are some links to sites that we link to because we think they are worth visiting[…]……
February 4th, 2012 at 7:32 pm
[…]we like to honor many other internet sites on the web, even if they aren’t linked to us, by linking to them. Under are some webpages worth checking out[…]……
[…]Here are some of the sites we recommend for our visitors[…]……
February 5th, 2012 at 3:16 am
[…] that is the end of this article. Here you’ll find some sites that we think you’ll appreciate, just click the links over[…]……
[…] Every once in a while we choose blogs that we read. Listed below are the latest sites that we choose […]… …
February 5th, 2012 at 12:04 pm
[…]Sites of interest we have a link to[…]……
[…]usually posts some very interesting stuff like this. If you’re new to this site[…]……
February 5th, 2012 at 2:39 pm
[…]always a big fan of linking to bloggers that I love but don’t get a lot of link love from[…]……
[…]just beneath, are numerous totally not related sites to ours, however, they are surely worth going over[…]……
February 6th, 2012 at 4:47 am
Awesome website…
[…]the time to read or visit the content or sites we have linked to below the[…]……