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Car Insurance Exclusion of the Vehicle Owner

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 11/30/2016

Q:  I was in accident that was ruled my fault. I also was excluded from the car insurance policy that my girlfriend holds. I own the car & the only reason I was excluded was to save money, I had a point from a accident 3 years ago.  The car insurance company called me back to say they’re checking my vin number on my car & they were going to review it & they might process the claim..can they put me back on the policy..

A: This is really the call of the insurance company. If you are the owner of the vehicle, most insurance companies will not allow you to insure your car on one of their policies and then exclude yourself as a driver to get a cheaper rate.  A driver exclusion means that the excluded driver does not drive that vehicle EVER, that is why the rate is cheaper.  So the reality is, that the insurance company does not trust that you as the owner of the vehicle never drive your own vehicle.

Getting All Your Car Insurance Discounts

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 10/30/2016

Q: I want to make sure I am getting all of the car insurance discounts that I qualify for with my insurance company. How can I be sure that I am?

 

A: Great Question!  Normally, I would say have your agent go over your car insurance policy with you. They are the ones that know the details of the company you are written with and would be the best to help you. However, it is also good to do a little research on your own and know what car insurance discounts are out there, that way you can ask specifically about certain discounts.

Below is a list of discounts that you may see on a car insurance policy. Just be aware that car insurance companies are all different and have different discounts.

Discounts

  • Multiple Policy
  • Multi-car
  • Good Driver
  • Good Student
  • Distant Student
  • Driver’s Training Course
  • Defensive Driver Course
  • Homeowner
  • Accident Free
  • Highly Educated
  • Employment Field
  • Group Discounts
  • Discounts for certain payment plans

 

What We Do at Car Insurance Guidebook

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 10/29/2016

Q: Need sr22 would like to know a price don’t have a vehicle to insure pls call.

 

A: Sorry, we are not an insurance agency or an insurance company.  We do not have staff that are licensed here that can give you quotes or counsel you as to what coverages will specifically fit your needs.

We are a website that provides insurance advice from professionals that work in the insurance industry.  However, if you enter your information above we can gather quotes for you from different insurance companies and get you in touch with a licensed insurance agent that can help you with your car insurance needs.

Missing the Gap Insurance

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 10/29/2016

Q:  A few hours ago bought a 2006 Toyota Sienna and…they financed me thru C$^& A%&%$. The car originally priced at $8,400 became a $9,999 car before any additional fees or extended warranties they told me the bank insisted the investment be with it…and I pay a 22.999% finance rate leaving me with an extensive gap. My payments are at $357.67 which they say are too maxed out for their GAP ins coverage to be added. Of course it is highly suggested I get GAP coverage. My insurance nor any other insurance will cover me for GAP. What to do? Have only had my car few hours.

 

A: Honestly, if you already have a reliable car, I would walk away from this deal. Them hiking up the price of the car sounds extremely shady and the interest rate is atrocious. Fix your credit and get a better deal later.

As far as the GAP insurance, I am not surprised that your insurance company will not offer it.  It is only usually offered on new vehicles.  And if your finance company will not offer it, not much you can do there.

 

 

FR44

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 10/07/2016

 

Q: Interested in quotes for FR44

 

A: FR44’s, FR19’s and SR22’s are all best discussed with an agent.  These are special filings that not everyone needs.  Also, it is best to have an agent on your side in making sure that this gets filed with your state as you would be surprised at how often these filings get lost in cyberspace between your insurance company and the DMV.

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