about 8 hours ago - 7 comments
Question by : Automobile insurance more pricey for men? I’m twenty five and looking to get my first car, a small 1.3 Nissan, anyway i checked the insurance and it costs €3250 for one year, that sounds extortionate, no? I then went back and done a quote for a lady driver who just turned eighteen
about 8 hours ago - No comments
Question by Jane: Massachusetts auto insurance market changes? I heard there were some law changes in the Massachusetts auto insurance market lately? If this is true, can anybody summarize what they mean for the consumer? —————————————— Answer by LouiseMassachusetts, known for the highest auto insurance claim rate, now has a new system where auto insurance
about 1 day ago - 2 comments
Question by HULK: what is an insurance quote? people say low insurance quote …. what is it. how does it work and how does the whole vehicle insurance thing work what if i buy a $ 5000 vehicle … how much would i be spending each month including tax, insurance> EXCLUDE GAS —————————————— Answer by
about 1 day ago - No comments
Question by yaguru: Auto Insurance- What does the “Family Protection Endorsement” mean? Hi, I was just reviewing my auto insurance policy. Does anyone know what a Family Protection Endorsement means? —————————————— Answer by Fred CYes, it is basically another term for a type of uninsured/underinsured motorist coverage. It provides primary insurance coverage guaranteeing any bodily
about 2 days ago - No comments
Question by : Am I paying to much for vehicle insurance? I like in Tempe, AZ. I am under my parents insurance and I am paying $ 200 a month for vehicle insurance. I drive a Toyota Yaris 2007. At first I thought what I am paying for was wayyyyy to much, but I got
about 2 days ago - 1 comment
Question by TamiJohnson99: Is it legal in CA for a used vehicle dealer to sell you auto insurance? i purchased a used car, and the used vehicle dealer put in the contract that I was also purchasing auto insurance thru them…but i wuld get a refund of those premiums when I provided a copy of
about 3 days ago - No comments
Question by e e in california: Unsure about auto insurance law? I got a great quote (liability only) from an agent who went through the large auto insurance casualty company for my commercial vehicle. It’s almost too good. It is more than half the price of the next lowest quote I found. The thing is
about 3 days ago - No comments
Question by Lila E: where can I get free legal advice about small claims auto insurance SR22 coverage? My auto insurance company did not inform me I did not have a valid drivers license (I did not know either) and sold me a policy. I got pulled over and lost my vehicle because I was
about 4 days ago - No comments
Question by : Volkswagen GTI owners, how much do you pay for insurance? I am doing a project and I need to get 3 auto insurance quotes. It’s due tomorrow, if it’s not too much trouble could anybody get me 3 quotes? This is the specifics: 2008 (White) Volkswagen GTI 2-Door Hatchback 46,000 miles 2
about 4 days ago - No comments
Question by Jhonson j: Does Colorado Traffic School offers Auto insurance discount along with ticket dismissal? If I take Colorado Traffic School course will it reduces auto insurance fee as well as remove traffic points from my driving record. —————————————— Answer by Nathen AHello Johnson, By completing the Colorado Traffic School On the web Course
about 1 year ago
Of course! One of the questions in the applicationt that must be answered truthfully is similar wording to “please list all accidents you have been involved in as a driver, whether at fault or not, in the last #x years”. They also ask for the approximate amount of any claim associated with the accidents. Some companies want 3 years, some 5, and they do check. If they issue a policy immediately based on falsed information, you would receive a registered letter within days, possibly cancelling it, or increasing premiums substantially. In my office, sometimes I would fax an application and receive a phonce call back within half an hour asking why a certain accident hadn’t been declared by the applicant.
about 1 year ago
Most of the time, yes they will find those prior claims.
Many insurance companies participate in a national database that tracks claims. They will also check you MVR records of any tickets or accidents. It is very difficult to slip one past an insurance company.
Fraudulently stating fewer claims than you actually have is not a good idea. If you filed another claim and the prior ones were discovered, they could deny the new claim, back charge you a higher rate, and/or cancel the policy on the spot.
Because your rate went up due to the claims, it’s not a bad idea to shop around, just make sure they are rating you with knowledge of those prior claims.
about 1 year ago
yes they will find it. when you get a quote they may not run your reports so its up to you to be honest about any points or accidents on your record. if you dont tell them they WILL run your records when the policy is issued and then your premium will be higher than the quote and they have the right to cancel the policy with notice. its probably better for you to wait until your record is clean again before you switch
about 1 year ago
Yes. Most insurance companies subscribe to a service called “CLUE”. It’s basically a data bank where companies share claim information with each other.
Most companies will order a “CLUE” report before issuing your policy and find out that you have had previous claims. It is always a good practice to go ahead disclose this information up front, if not the rate that you are quoted will not be accurate.
I would suggest getting as many quotes as possible!
Because rates vary hundreds of dollars with companies you might be surprised to find out that by comparison shopping your maybe able to get insurance through another company without seeing a huge increase.
As mentioned already the key is to getting as many quotes as possible. The easiest way to do this is by using free on line insurance rating services. I read a statistic that people who use these services usually save an average of 30%-40%. If that holds true for you then it basically you would most likely be able to keep your rates close to what you are currently paying.
There is a consumer site that I came across at: http://www.InsuranceEasy.org that has links to free quoting services that are reliable. By using each of the links listed on their auto insurance page you will end up with the 5 or 6 best quotes from hundreds of companies.
Hope this helps!
about 1 year ago
THE ANSWER IS YES!!!!! 99% of all insurance carriers report to a service similar to a credit bureau. Then all the other companies can pull your DRIVING RECORD which is what the DMV has on record for you and a CLUE REPORT which is a record of claims and accidents (shows everything from major accidents down to towing and rental claims). I hope this helps.