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Car Insurance Not Needed

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 03/29/2016

Q: – DUE TO ILLNESSES I THOUGHT MY EFT PAYMENT WAS CANCELLED BY CARETAKER BUT IT WAS NOT I DID NOT KNOW THE EFT PAYMENTS WERE NOT CANCELLED ON A SITTING CAR UNUSED CAR UNREGISTERED SITTING CAR ….HADNT BEEN DRIVEN IN YEARS ….ITS MY MOTHERS CAR SITTING IN YARD.
ALSO HAD LICENSE SUSPENDED DURING THIS TIME – SO WAS INSURANCE PREMIUMS NON EARNED BY CARRIER – CAN I GET REFUND IF CAR WAS NOT ON ROAD ETC PLEASE ADVISE ..DO I NEED TO GET LAWYER NOW THAT I FOUND OUT INSURANCE WAS NOT CANCELLED BY CARETAKER ON NON-WORKING CAR? NON-DRIVING REGISTERED CAR THANKS

A: It is unlikely that you will be able to get your premiums back as the insurance company will tell you that it was your responsibility to verify that your insurance payments were cancelled and to cancel your insurance policy if you no longer needed the insurance. I know that you were sick, but the company is going to tell you that they still provided coverage for that vehicle and that if it was in an accident or damaged at the time they would have had a responsibility to cover it.

However, with all that being said the rules and regulations are different in each state and there may be a law that allows you to get your money back if you can prove that you did not have your license at the time and that the vehicle was not registered.. The best way to find out is to contact your insurance company.

Car insurance on Unused Vehicles

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 03/29/2016

Q: I have multiple cars, that the wife & i 90 percent of the time normally drive together. We have insurance through farm bureau & have to insure each car, truck or motor home separately. Is there a type of insurance that i don’t have to keep putting my vehicles in storage, so depending on the weather we would be able to drive which ever car we want?

A: Actually this is the first time I have ever heard of someone having to put their vehicles on separate car insurance policies. The motor home I can understand as it is a recreational vehicle, but not the cars. You may want to shop around with other insurance companies that allow you to keep all your vehicles on one policy.

In regards to the storage issue, in most cases by listing your vehicle as being in storage it saves on having to pay for insurance coverage that you don’t need at the time you are not driving the vehicle. If you want to be able to just jump in your vehicle and go whenever you please and not have to call your insurance company to put coverage back on your vehicle. the only option is to keep the insurance coverage on that vehicle at all times.

Can You Change My Car Insurance Agent?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 03/21/2016

Q: Please change my car insurance agent from Agent X to Agent Y.

A: Unfortunately, this is not something we can do for you here at Car Insurance Guidebook. Car Insurance Guidebook is here to provide you with car insurance advice, the experiences that other drivers like yourself have had with specific car insurance companies and to help you find an insurance policy with an agent or insurance company.

If you are staying with the same insurance company and just want to switch agencies, simply contact the agent you want to change to and they will take care of all of that for you. If you have insurance with a completely new insurance agent and company, your new agent can help you with a letter of cancellation to send to your old car insurance agent.

Car Insurance Discounts

Written by Prog Guy. Posted in Ask An Insurance Question, Research Last Updated: 06/26/2016

5 Questions To Ask When Getting a Quote:
save money with hidden discounts – including 1 secret discount.

 

You can save money by getting auto insurance discounts.

You can save a bag of cash by getting auto insurance discounts.

Who doesn’t what to save money on their car insurance? I know I do. One of the best ways to save some cash on your auto insurance is through car insurance discounts.

Every company offers car insurance discounts. However, not every company offers the same ones. That’s why it’s important to be prepared when getting a quote. You don’t want to give your auto insurance company any more money than you have to.

I’ve prepared a list of questions to ask each prospective insurer so you get the most discounts possible. Ask each car insurance company the appropriate questions whenever you get a quote from them…

Question 1:
I’m a safe driver. Can I get a discount?

Some companies call this one a ‘Safe Driver Discount.’ It’s big. If you stay clean with no at-fault accidents and no tickets, you will have better rates on your auto insurance. Savings could be 10-50%, depending on how many incidents you have. Stay safe and you’ll enjoy keeping that extra cash. But don’t forget to shop your policy every 18-24 months. You could still be losing a lot of money with an expensive carrier, even if you’re a safe driver.

Question 2:
Do you offer a multiple car (multi-car) discount?

If you only have one car to insure, you can skip this one. But if there are multiple cars in your household, then make sure you mention it. Most agents will automatically add this discount to your policy, but it never hurts to ask. It can be a 10-25% discount. And if they don’t offer it, let me know in the comments – every auto insurance company should.

Question 3:
Do you offer a multiple policy (multi-line) discount?

This is another big one. If you carry more than one policy with your insurer, you can usually get a discount on your car insurance. This is also true for other policies. For instance, if you pick up an auto policy AND a homeowners policy from State Farm, you could get a 10% discount on each policy. Sometimes it pays to keep both car insurance and renters/condo/homeowners policy at the same place.

Question 4:
What about my Defensive Driving or Driver Education?

Most auto insurance companies offer a discount for taking defensive driving. Percentages vary between insurers. Regardless, if you’ve taken a driver safety course recently, then make sure your company gets a copy of the certificate.

Question 5:
Do you have a discount for my job (teacher, engineer, etc.)?

Car insurance is a numbers game. Actuaries sit behind desks with calculators and reams of data to determine which people have lower risk versus other people. Each car insurance company does it differently – but some companies have determined your job can lower your risk for an accident. Ask your potential insurer if your job gives you better rates.

Now – Check online and see if you need to replace your current car insurer.
These 3 minutes can save you few hundred $$ per year.


Car Insurance Company’s and a Revoked License

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 02/25/2016

Question:  I have a question about my car insurance company.  They cancelled my insurance because my son’s license was revoked, I asked them to take him of I have been with them for years they told me no what can I do about this why can they not take him off ?

Answer: Honestly, the only thing that I can think of is that your car insurance company considers him a risk and believes that he will increase the chance of a car accident since he is still in your household. It’s not unheard of for those without a license to still drive anyways and if he does get into an accident your insurance company will still have to pay for it, even if he is not on the insurance policy. They could have just as easily had you exclude him from the insurance though, then if he does drive and is in an accident they legally don’t have to pay for it.

Since they have already made their decision and have cancelled your policy, I wouldn’t try to get them to change their mind. Just look for another car insurance company.

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