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Canadian Car Insurance and Registration

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 09/29/2016

Q: My son (Canadian) will be doing his medical rotation in the States. He will be in Virginia for 6 weeks then back in Canada for 4, then 4 wks West Virginia and Canada 2 weeks, Then Rochester 6 months coming back to Canada every second weekend (near the border). What does he have to do ? He has a Canadian license -he is buying a vehicle – were should he get it registered etc.

A: My first inclination would be that if he has a Canadian license and will retain his Canadian citizenship and will be returning to Canada after he is done, that he will register the vehicle in Canada. Best to ask an insurance agent though and kill two birds with one stone, because then they can also talk to you about the insurance coverage when he crosses the border for those varying periods of time.

Are There Other Car Insurance Billing Plans?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 08/31/2016

Q: It seems like there are only two different car insurance billing plans….pay it all or pay it monthly, are there any other options?

A: With some insurance companies it does feel like those are the only two billing plans available, but there are more. The thing is that most drivers are just so used to paying monthly for their premium or paying it all at once, so they don’t pay attention to any other payment plans that may be offered.

Depending on your company you may also be able to pay:

-Every 6 months

-Every 3 months

-Every 2 months

-Twice during your policy term (not necessarily at even intervals)

-Four times during your policy term (not necessarily at even intervals)

Your agent or your insurance company will be able to go over the different payment plans they have available.

Another Car Insurance Premium Rate Increase?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 08/31/2016

A: Every time my car insurance policy renews it seems like it goes up and when I call and ask why I am told that the company has had a premium rate increase. Why do they need to keep having rate increases?

Q: Just like with any other business, increasing the price of a product is done to keep a company in business. In insurance, they may have to raise your premium because the wages in your state increased, which increased their cost to do business.  They could also need to increase your rate because there was a disaster where they paid out a large amount on claims that were filed in your area. A rate increase could also happen because an insurance company wasn’t charging enough for insurance coverage to cover the number of claims that were filed over the course of the year. There are any number of reasons for why an insurance company has rate increases.

Insurance companies, however, are not allowed to just increase your premium at random though. Every car insurance premium rate increase you may see has to be approved by the state you live in.

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