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Young Driver in a Car Accident

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 11/25/2015

Young drivers in car accidents can expect car insurance premium increases.

Question: So I barely backed up into a car . I have my own insurance . Im 18 so I’m still in that expensive range insurance. how much more do you think my insurance will go up?

Answer: While I cannot tell you how much your car insurance will go up, it will be going up.  Yes, you are in that expensive range of car insurance and that is also the range of car insurance that the insurance companies come down on the hardest for the slightest infraction. You will find out on your next renewal how much your premium will be affected from the car accident.

Back Dating and Insurance Premium

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 11/25/2015

Can you get an insurance premium refund for a vehicle removed in the past?

Question: 2 yrs ago I scrapped my vehicle but still kept the paying for the insurance. I thought I needed if I would drive another vehicle and so I wouldn’t have a lapse which would result in a higher premium later. If I go to my insurance company and cancel the coverage, how far will they pro rate my payments to. Can I get a refund for the full 2 yrs Thank You!

Answer: Great question!  There are a number of things to address with this though.

First, were there other vehicles on your policy at the time? If there were then you are not going to be able to get a refund on the whole premium.

Second, if that was your only vehicle and you have not owned it then you should be able to get a refund back to the time you stopped owning it.  However, you are going to get push back from your insurance company about this and you are going to have to provide proof of the date you stopped owning the vehicle. Also state laws may favor your insurance company in regards to having to have continuous coverage or there being a certain time limit in which you needed to report to your insurance company that you no longer needed to insure that vehicle.

The only way you will know for sure is to call and talk to your insurance company.

Pay For it or File Insurance Claim?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 11/14/2015

Your deductible and personal threshold for an insurance claim.

Q: I was parked and I reversed and a car passed, then I made my way out and a car moved forward as I was turning out and I beeped the horn and everything was fine. I did not feel myself hit the car and the passengers didn’t either. I get a call an hour later from a friend(I found out I knew the person) saying I scratched their car, but my main concern was that it would look like it because I was hit in the front years prior, and that scratch would look like I scratched her car. So I met her up and she had a minor scratch on the side of her car and it was white, so I’m pretty sure it was me. I am unsure if I should go through insurance because I’m not sure if they would make my dad pay a deductible and if his rates would go up, or if I should just go the paint job way and pay out of pocket?

A: Okay there are actually two questions here, so let’s address each one separately.

1st: The only time you pay the deductible listed on your car insurance policy is when your insurance company is paying for the damage to your own vehicle. There is no deductible you have to pay if your insurance company pays for the damage to another person’s vehicle.

2nd: Never commit to paying for another person’s damage out of your pocket. Have them get a quote for how much it will cost to repair the scratch and then sit down with your dad and decide whether or not to file an insurance claim or not.

Happy Halloween from Car Insurance Guidebook

Written by Michele Wilmonen. Posted in Research Last Updated: 10/31/2015

Don’t let Halloween fun trick you into higher car insurance rates.


Halloween greetings from Car Insurance Guidebook!

We here at Car Insurance Guidebook want to wish everyone a happy and fun Halloween. We also want to see you safely on the other side of the holiday and without your car insurance rates heading for an increase. So here are some friendly reminders to keep your Halloween a treat.

Halloween Costume Driving

If you absolutely have to wear your costume while driving, here are some things to keep in mind:

  • Never drive wearing a mask.
  • Pull over if fake hair or eyelashes have detached into your eye.
  • Don’t drive if your costume gets in the way of operating your car.
  • Don’t drive if your costume is too tight.
  • Remove your gloves to be able to operate the steering wheel. safely.
  • No clown shoes. Wear shoes that allow you to easily operate your car.

Watch For Halloween Trick-or-Treaters

Per the Center for Disease Control, children are more likely to be killed as a pedestrian by a car on Halloween than during any other time of the year. This is why you as a driver need to be especially vigilant of little ones walking along the side of the road and stop when it looks like they are thinking about wanting to cross the street. The only thing they are paying attention to is the Halloween fun they are having, so it is up to you to help keep them safe.

Pay Attention on Halloween

Don’t let texts, Skype or Facebook distract you while you are driving on Halloween. With the trick-or-treaters out and also your costume on, you have enough distractions to have to focus on while driving on Halloween. There is no reason to add other distractions into the mix.

Don’t Drink and Drive on Halloween

We remind drivers of this every year and this year is no different. DON’T DRINK AND DRIVE!

There are usually extra patrols out on Halloween night to catch drunk drivers and you can expect that to be stepped up even more with Halloween falling on a Saturday this year. So don’t risk it. Either go sober, have a designated driver, make arrangements to stay the night wherever you decide to party or call a cab.

Stay safe, undistracted and sober this Halloween!


Can I Be Double Charged for Insurance?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 10/31/2015

Being double charged for insurance happens more often than you may think.

Q: I was with an insurance company and they told me that they were cancelling my policy so I switched to another company. The 1st company actually never canceled my policy. Should the 2nd company owe me a refund since I was Double insured?

A: Actually, your first company owes you the refund because they never cancelled your insurance policy. Contact them as soon as possible and advise them that you have had insurance coverage with another company as you thought they were cancelling your policy with them.  They will want you to send them a copy of the new policy to verify the date the new policy started, and then they owe you a refund from that date forward as you cannot be double charged for insurance.

Car Insurance Guidebook Unravels the Car Insurance Mystery

Unless you work in the car insurance industry, the topic is probably a mystery to you. The words deductible, comprehensive, collision, liability, premium, loss of use and bodily injury are all gibberish when they reach your ears.

Unfortunately, insurance is something that you are required to have by law if you want to drive. Because of how confusing it is many people go around in almost an insurance daze while they get car insurance quotes from the auto insurance companies that they have heard of. In reality, they are completely lost as to what they are actually buying.

Instead of looking at what each insurance company offers in the terms of protection for both themselves and their car, they are instead looking for cheap car insurance. Finding the cheapest car insurance coverage makes having to buy the required product all that much less painful, but misses the whole point of having insurance.

Learning about insurance through your insurance agent or websites like Car Insurance Guidebook will give you the upper hand when you looking for car insurance. You can take your knowledge and not only find the best price for insurance, you can use it to find really great insurance to protect you and your assets. Then you aren’t stuck settling for just average car insurance that can hurt you financially if you ever need it because there isn’t enough protection.

For example, when looking for insurance the car insurance rates are just the first of many factors that need to be taken into account when you are shopping around for car insurance. You also need to take into account the type of vehicle that you are driving. Many people don’t know this.

Are you driving around a vehicle that is a new sedan and can be protected under any blanket insurance policy? Or do you have an old car that you fixed up that needs special protection and could be better covered under classic car insurance?

Don’t just assume that when you compare car insurance that it will be a one-size-fits-all policy. This is where the insurance knowledge will come in handy; you will know what you need to protect yourself and your vehicle.

You will understand what your insurance agent is talking about when they use insurance terms and you will actually be able to make an informed decision. This is much better for you instead of the “nod and smile” approach people take in their insurance agent’s office.

Also just like your life changes your insurance needs will change. This year you may just need to learn about the best deductible to have. Next year you may need to educate yourself on car insurance for young drivers. As the years pass, motorcycle insurance may be something you will need to know.

Many wise people say that you never stop learning, so take their advice and educate yourself on the insurance that you spend a lot of money on and can’t get away with not having.