Reader’s Question:

I need instant auto insurance for myself. My partner and I separated a few months ago, and I moved out of our place. He is the primary driver listed in the auto insurance plan. Can I get my own auto insurance while the current one is active?

Jackie

Carson City, NV

Yes, Jackie. You can get auto insurance for yourself aside from the one that you have with your former partner. You can do it online where there are sites and companies that offer to help you get your own and be the primary holder of your auto insurance. You would need to answer some questions, though, about yourself like your status, occupation, driving history, credit rating, and other information regarding your vehicle such as mileage, car registration, and your current auto insurance coverage. These are but the same questions and answers you provide when purchasing auto insurance. I certainly hope that you at least know the details of your current plan and perhaps you can get a copy from your current provider. It is really easy for you get your own auto insurance. Online agents will be available to answer all your questions and would also help you weigh your options given your current status. It is definitely advisable to get your own auto insurance since you and your partner no longer share the same account address. By doing this, you would get a clearer picture of your coverage and better control over your auto insurance needs. I wish you the best of luck!

Reader’s Question:

I am a stewardess, and I am in a rush to get auto insurance right now. Where can I get instant auto insurance? Should I still get insurance even though I would always be away because of my job?

Carla

Atlanta, GA

I hate to break you the news, Carla, but it cannot be an option for you not to have auto insurance in Georgia. It is mandatory for all drivers there to carry a minimum auto insurance coverage of 25/50/25, which actually means $25,000 for injuries per person, $50,000 for injuries for two or more persons and $25,000 to cover property damages. Some drivers attempt to escape these responsibilities, but the Internet makes it impossible not to be detected. The state government can just check your insurance status by looking at it on the Internet. In any case, having no insurance may also prove to be catastrophic for you in the long run even though your occupation makes it impossible for you to often use your car.

What most people who are not permanently based at any one place do is they get the basic auto insurance coverage requirement of the state and just add comprehensive coverage. Usually, collision and comprehensive coverage come hand in hand, but in your case, it should be different. You might not have the need to avail of collision coverage. You need only have comprehensive coverage to pay for any damages not involving collisions, such as fires, earthquakes and car theft, while your vehicle is in storage. But if you are going to leave your vehicle with someone else, like a family or a friend, you might as well of collision coverage.

You can get instant auto insurance on the Internet or at the offices of auto insurance companies there in your area. You should just find a company that comprehends the nature of your job, so that you can rest assured that your coverage shall be sufficient.

Reader’s Question:

Has anyone ever tried using the websites that offer instant auto insurance quotes? I’ve seen them browsing through other websites. Is it easy to buy auto insurance, and is it safe?

Tara

Aurora, CO

Hi, Tara. I’m glad to share that I did purchase my current auto insurance online. Like you, I saw an ad for a website that offers instant auto insurance quotes and decided to try it more out of boredom than anything else. I was pleasantly surprised when they offered me a cheaper auto insurance rate than my current provider. So when renewal time came along, naturally I did more research on the net and eventually landed a great deal through an instant auto insurance quote I got. It really saved me a lot of money and not to mention my time doing the purchase online.

While there have been news of some insurance fraud happening, this shouldn’t put you off altogether. I suggest you browse through several websites before making a purchase. If you are not comfortable purchasing through broker sites, try going to the auto insurance company sites. You should also look for the signs that the websites you go to are secure such as the verisign seal or other seals that signify that the website is safe from hacks or other malware. Try it out first with a company you feel has a strong web presence. I’m betting that once you see how competitive the instant auto insurance they offer are, you’ll be swayed into your first online auto insurance purchase.

Reader’s Question:

I am a very busy person, and I am telling you, I’m so busy that I’m beginning to compare myself to a worker bee. I don’t have the time to go through the normal process of availing auto insurance. How and where can I find instant auto insurance?

Amanda

New York, NY

Most busy people shop for their auto insurances online. It is the fastest, easiest and most comfortable way of getting one. You don’t need to drive to auto insurance offices and talk to agents and discuss their variety of coverage. With just a click of a mouse and the right website for your queries, you get to have everything that you need to avail or renew an insurance policy. There are many auto insurance companies who provide instant auto insurance quotes that you could compare, so you could easily decide the cheapest coverage that suits you. You just need to provide all the necessary information and payment for them to process your auto insurance.

If you are wondering how you can get proof that were already able to able of your new auto insurance coverage, you just have to print the temporary insurance card that they will provide. A few minutes or so, they will send you all the documents for your auto insurance which are also saved in your online account. Some companies snail mail those documents, which you can get in a couple of days, but still you get the printable temporary card. Just make sure you get the right effectivity date that you desire for your auto insurance policy.

It is that easy! Just search then encode necessary information, compare and decide, make payment and print your instant auto insurance online.

Reader’s Question:

My schedule is quite hectic. Where can I get instant auto insurance quotes?

Jim

San Francisco, CA

Auto insurance companies recognize the need to effectively reach out to their busy customers. This is why they take full advantage of the Internet. With information on the products and services now available online (as well as the products and services themselves available for online purchase), busy individuals simply need to browse through company websites. The downside on this is the prevalence of fraudulent online transactions. Obtaining a list of state-approved auto insurance providers from the California Insurance Department is a good way to avoid getting swindled online. This agency is the official insurance regulator for the state of California. With this in hand, you will know which websites to get instant auto insurance quotes from. This also saves you from getting lost in all that virtual clutter and keeps you worry free because you know that you are interacting with a legitimate business entity.

Auto insurance requirements mandated by your state have to be considered when looking for instant auto insurance quotes. California requires its drivers to have liability coverage. This will help you recompense the other driver’s bodily injuries and property damage if you are unfortunate enough to be held responsible for an accident. You may also choose to obtain supplemental coverage (not required by the state) such as Collision and Comprehensive insurance. It is really up to how much your budget can accommodate.

Reader’s Question:

Hi I’m wondering where I can get an instant auto insurance quote for a 1994 Honda Accord. I live in Florida.

Dave

Miami, FL

It’s not that simple, Dave. A lot of factors are involved in determining auto insurance rates. It depends on the age, gender, location etc. If you want to get an instant auto insurance quote, you can go online and check out the different sites that compare rates from the different auto insurance companies. Just fill in the information that is needed. For example, if you are in your teens, your insurance coverage will cost more since you are considered a “high-risk” driver. Auto insurance companies do not want that. As you grow older, statistics tend to be in your favor. Now, when you get past 65, some insurance companies will raise your car insurance rate because it will be considered dangerous for you to drive. Also, gender will matter especially during if you are a teen. The range of auto insurance prices will be more or less the same when you get past 25.

The type of car you drive is also a factor. The 1994 Honda Accord is among the most frequently stolen vehicles in the Miami, Florida area, so that will be a factor (imagine, there are 20,000-plus auto thefts in the city alone). You can save on this by adding anti-theft devices on your car. If your neighborhood has a reputation of being an area where this type of burglary occurs, insurance rates are bound to go up. The travel time within Miami is higher than the national average, so that will also be a factor in the auto insurance calculation (since the heavier the traffic, the greater chances of a car accident).

There are a lot of instant auto insurance websites that would cater to your questions. This will help you save time and money. Also, when picking which company to do business with, do not choose solely on the cheaper price. Make sure that the car insurance company has a good reputation among its customers.

Tags: auto insurance online, Car Insurance Company, car insurance quotes, car insurance rate, instant car insurance

Reader’s Question:

My teenage son will be getting his Arizona learner’s permit. Is it necessary to get him separate auto insurance coverage?

Timothy

Phoenix, AZ

A lot of things need to be addressed first before you let your son take control of the car. Firstly, he should be at least 15 years and 6 months old to qualify for a learner’s permit. He has to provide the Arizona Department of Motor Vehicles with an application for a learner’s permit signed by you. In this way, you, the parent, will be held responsible if anything untoward happens while your son is behind the wheel. Secondly, your son needs to pass the written exam. He also has to complete 10 hours of nighttime driving and 20 hours of daytime driving with a licensed adult aged 21 supervising.

After all this is completed, the permit is given. You need to remind your son that this does not entitle him to drive a motorcycle since that will need a separate permit. Your son should have a clean record until he is able to obtain his full valid driver’s license at the age of 18. You also have the prerogative to request for his permit to be cancelled at any time before he turns 18.

Regarding your insurance concern, he needs to have coverage as soon as possible as he will be driving really soon. The first option is to purchase separate auto insurance for him. However, this may prove to be very costly than just adding him to your current policy. Although it may cause your premiums to rise to 100% for adding a teenage son to the policy, it is still way cheaper than getting him separate auto insurance coverage. You must remember that insurers will be assessing a high premium for adding teenagers, especially a teenage son, to a policy since they tend to be involved in more accidents because of limited driving experience.

Tags: auto insurance coverage, auto insurance premium, DMV, teen, teen insurance