Can I compare auto insurance rates online?

Val

Spring, TX

Great Question Val,

You definitely want to compare insurance policy features; compare the wide range of deductibles that are offered and compare the level of coverage they provide, they can vary quite a bit. When you’re doing your research you’ll want to check out the companies rates, the types of coverage they provide you, the deductible information and any and all discounts that they have available to their customers.

Once you become insured and you have an accident or theft, for example, and you need to phone your agent, you want to know that he or she will be available and ready to help you no matter what your needs are and no matter what time of the day or night it is.

Jenny

Houston TX

Jenny,

Normally if you have been convicted of driving uninsured in the state of Texas for a second time your license will be suspended. To have your license reinstated you will be required to get and carry a SR-22 automobile insurance for a period of two years after the conviction date.

In the state of Texas motorist in Texas are required that they are able to pay for any car accidents they cause.

The requirement of financial responsibility is established for the car through:

• a motor vehicle liability insurance policy
• a surety bond filed under Section 601.121;
• a deposit under Section 601.122;
• a deposit under Section 601.123; or
• self-insurance under Section 601.124.

If the Texas Department of Public Safety told you that an SR-22 automobile insurance is required then you need to inform your car insurance carrier. An SR-22 automobile insurance is a certificate of insurance that show proof of insurance for the future to the Texas Department of Public Safety. SR22 automobile insurance is car liability insurance which requires the insurer to certify coverage to the state, and the insurance provider must inform DPS anytime the car insurance policy is cancelled or lapses.

Ken

Houston, TX.

Great Question,

These days it seems like the price for everything is rising. The cost of gas, the cost of food, even the car insurance cost has risen dramatically in the last few years with no reduction in sight. The high auto insurance cost has caused many low income families to choose between paying for food and paying for car insurance, with auto insurance most frequently losing out. But there are many factors that can affect car insurance cost and knowing what these factors are can save you money in the long run.

The age of the insured person can have a big effect on auto insurance cost. Generally, people under the age of 25 will pay a much higher premium for car insurance because insurance companies believe that they have not had their license long enough to demonstrate good driving habits. A large percentage of accidents in the United States are caused by people under the age of 25 driving in an unsafe manner. To recoup the costs of these accidents, all people who are under the age of 25 are required to pay a higher auto insurance cost.

How much does an SR22 form cost?

Kelly

Houston TX

Kelly,

Typically, insurers are allowed to charge this proof of financial responsibility certificate to the state. The cost of SR22 insurance form filing fee range from $15 to $25.

The cost of SR22 insurance form will be calculated depending on all the various factor that go into rating car insurance policy regardless of the SR-22 form filing.

Your driving history is one of the rating factor and the reason that you are mandated to get the SR-22,( to reinstate your drivers license due to suspension after a DWI DUI or ticket for driving without insurance,) may affect your car insurance rates but the cost of SR-22 insurance form itself does not beyond the filing fee.

Can I get good quotes from insurance companies online for my antique car?

Greg

Spring,TX.

 Greg,

Many people choose to restore and show antique cars as a hobby. But even these cars need some type of insurance to protect against accidental damage. This is why many people search for car insurance for an antique car. There are many companies available that provide car insurance for an antique car, with many companies specializing in antique car insurance. By having a wide variety of car insurance companies to choose from, the consumer has the ability to choose the right type of insurance for their needs.

Many commercial car insurance companies can also provide car insurance for an antique car. Also called collector car insurance, these policies are tailored to the car you are attempting to insure. A car insurance representative will take all of your information and discuss different policy options with you to ensure that you are obtaining the coverage that you need. They will also help you decide which types of coverage are within your target budget and which deductible and limit levels you will need.

Purchasing car insurance for an antique car through a commercial car insurance company will give the policy holder peace of mind, knowing that the company that they have chosen to do business with is an established company with a good reputation. The policy hold may also have their everyday use cars insured with the same company. The security of having an established company provide car insurance for an antique car is well worth the premium that they will charge you to provide insurance for your antique car.

 Will the cost of a insurance policy for my vintage car be expensive?

Mike

Spring, TX.

 Mike,

The cost of the insurance policy will depend on the car make and model, the rarer model usually carries higher premium. The insurance cost is also higher if the car has high market value or more expensive. Furthermore, make sure that your insurer will guarantee the valuation of your car before signing the policy agreements. There are some insurance companies that denied claims for complete valuation. Including a guaranteed valuation in your policy will incur extra charges, but this is worth it because you’ll be protected in the event that your car is stolen or damaged.

Some good places to find insurance companies for your vintage cars are the Internet, yellow pages or car magazines. You can ask for insurance quotes from different companies so that you can compare the prices. You could get all this information by giving your car’s details and specs through the phone or by visiting the companies offices.

If you don’t fancy meeting face-to-face with an insurance agent, you could obtain the quotes through the Internet. Again, get quotes from different companies and do comparisons until you find the best deal. Take note of everything that is covered in the policy before signing any agreement.

Great Question.

 Is there such an insurance plan for teachers or someone in the education industry?

Jane

Bellaire, TX.

Jane,

It is proven statistically that teachers have better accident records and have lower records of reported claims than other drivers. Teachers have lower insurance because they are typically more alert. There is an insurance program particularly for teachers entitled the Teachers Insurance Plan. Under this plan, both active and retired teachers may obtain insurance coverage at a more affordable cost. This is a reward for the wonderful driving plan of teachers.

You are eligible to use the Teachers’ Insurance Plan if you are currently teaching or are a retired education professional. It is great that many insurance companies reward the education community for good driving habits with savings for teachers and other education professionals who are the pillars of their communities.

Great Question.

 Will my rate increase with a DUI/DWI conviction?

Bob

Spring, TX.

Bob,

A DUI conviction may also carry indirect penalties, such as increased

automobile insurance rates and limitations on future employment opportunities.

Of course, employment opportunities may be naturally limited by the

transportation problems created by a DUI license suspension, but increasingly the conviction itself may preclude work in certain fields or with certain companies.The powerful lobby of organizations like MADD bringing constant publicity to the issue, and the growing ease with which employers can conduct criminal background checks, that impact is spreading beyond fields directly requiring a clean driving record.

Excellent Question.

How do I read my insurance policy?

Fran

Spring, TX.

Fran,

Wherever you live in the United States, you should carry auto insurance. Most states require it, along with minimum coverage levels you must buy. In states that don’t require auto insurance, you must show that you have enough assets in case you cause an accident, and if you don’t have enough assets you then have to buy auto insurance.

 However, the state minimum is not necessarily “adequate.” The Insurance Information Institute recommends you carry $100,000 of bodily injury protection per person and $300,000 per accident.

 How to read liability limits

 Here’s how to read the following table of liability minimums.

 First number: bodily injury liability maximum for one person injured in an accident.

 Second number: bodily injury liability maximum for all injuries in one accident.

 Third number: property damage liability maximum for one accident.

 Thus, in Alabama, for example, the minimum liability limits are $20,000 for injury liability for one person in an accident, $40,000 for all injuries in an accident, and $10,000 for property damage in an accident.

 What is no-fault?

 If your state has a “no-fault” auto insurance law, your auto policy must pay medical bills for you and your passengers regardless of who caused the accident. No-fault laws are intended to keep insurance fraud down.

State Liability required? Liability minimums (in thousands of dollars) PIP required? No-fault state? Uninsured motorist coverage required?

Alabama Yes, 25/50/25 No No No

Alaska Yes, 50/100/25 No No No

Arizona Yes, 15/30/10 No No No

Arkansas Yes, 25/50/25 Yes No No

California (1)  Yes, 15/30/5 No No No

Colorado Yes, 25/50/15 No No No

Connecticut Yes, 20/40/10 No No Yes

Delaware Yes, 15/30/10 Yes No  No

Florida (2)  No, 10/20/10 Yes Yes No

Georgia Yes, 25/50/25 No No No

Hawaii Yes, 20/40/10 Yes Yes No

Idaho Yes, 25/50/15 No No No

Illinois Yes, 20/40/15 No No Yes

Indiana Yes, 25/50/10 No No No

Iowa Yes, 20/40/15 No No No

Kansas Yes, 25/50/10 Yes Yes Yes

Kentucky Yes, 25/50/10 Yes Yes No

Louisiana Yes, 10/20/10 No No No

Maine (3) Yes, 50/100/25 No No Yes

Maryland (4) Yes, 20/40/15 Yes No Yes

Massachusetts Yes, 20/40/5 Yes Yes Yes

Michigan Yes, 20/40/10 Yes Yes No

Minnesota Yes, 30/60/10 Yes Yes Yes

Mississippi Yes, 25/50/25 No No No

Missouri Yes, 25/50/10 No No Yes

Montana Yes, 25/50/10 No No No

Nebraska Yes, 25/50/25 No No No

Nevada Yes, 15/30/10 No No No

New Hampshire No, 25/50/25 No No Yes

New Jersey (5) Yes, 15/30/5 Yes Yes Yes

New Mexico Yes, 25/50/10 No No No

New York (6)  Yes, 25/50/10 Yes Yes Yes

North Carolina Yes, 30/60/25 No No No

North Dakota Yes, 25/50/25 Yes Yes Yes

Ohio Yes, 12.5/25/7.5 No No No

Oklahoma Yes, 25/50/25 No No No

Oregon Yes, 25/50/10 Yes No Yes

Pennsylvania Yes, 15/30/5 Yes Yes No

Rhode Island (2) Yes, 25/50/25 No No Yes

South Carolina Yes, 25/50/25 No No Yes

South Dakota Yes, 25/50/25 No No Yes

Tennessee (2) Yes, 25/50/10 No No No

Texas Yes, 25/50/25 No No No

Utah (2) Yes, 25/50/15 Yes Yes No

Vermont Yes, 25/50/10 No No Yes

Virginia Yes, 25/50/20 Yes No Yes

Washington Yes, 25/50/10 No No No

Washington D.C. Yes, 25/50/10 No No Yes

West Virginia Yes, 20/40/10 No No Yes

Wisconsin No, 25/50/10 No No Yes

Wyoming Yes, 25/50/20 No No No

Hope this help you with your answer.

Great Question.

 What am I looking at if convicted of DUI/DWI?

Sam

Woodlands, TX.

Sam,

 The consequences of Driving Under The Influence, or DUI, charges

are far reaching. The criminal justice system can be a complicated process and the penalties of a DUI are quite severe. You should be aware that in some cases, those convicted of a DUI are subject to significant fines, legal costs, court costs, and even jail time.

Every person facing this charge is in need of a good defense and protection of their rights. The reason you need to obtain an experienced DUI lawyer is that research shows that many individuals arrested and charged with DUI are not guilty because they haven’t had too much to drink. While the State has a duty to enforce the law, persons accused of crimes such as driving under the influence are still innocent until proven guilty.

Great Question.