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Answer by George
The company I sell for offers a discount for this called the early signing discount. To future effect a policy means basically it does not begin immediately. For example if you purchased that discount from me I would take you payment and begin the six month policy except it would begin the following week. They give you a price break for this because it grants them to underwrite your policy absolutely before you are actively a risk to the company, and that saves them lots of money each year. If you can wait a week or so before your insurance starts its practically a free discount.

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Answer by pillabrut02
If the accident was caused by you then you are responsible for paying for the damages to the other person’s car. In some cases, however, the person doesn’t have the means to pay for the damages and they are also uninsured in which case they end up in a place called prison. It is illegal to drive a automobile without insurance.

Answer by MancalledDad
Simply, the insurance is on the car, no matter who the driver is.

Answer by CFP L.L.
When someone allows you permission to drive their cars, their auto insurance is the primary coverage for that trip. Only if there is a gap, your insurance will be liable.

You should would be violating the law if you drive in a say requiring auto insurance without a coverage. But again, if they allow you the permission to drive, their coverage is used.

This would make it seems that the insurance is by the car, but actually it’s also by the owner. For example, if you rent a car, your auto policy will cover the rental car. If you are a pedestrian during a automobile accident, your auto policy also covers you.

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Answer by are_see_bee
The “thinking” is that responsible folks have good credit and it’s all relative to your driving ability….I personally do not agree, my credit stinks, but I am a good driver, and my driving record proves it, however, recently most of the huge insurance agencies did begin using credit scores/ratings to base their rates on. It’s not fair, but what choice do we have

Answer by kirsten h
what can you do in the world this day without good credit? not much. they check your credit because they along with each other business in the world feel that if you are responsible in paying your bills, you are a superior risk and that you are more careful in driving and take superior care of your property. they do not run the typical credit report and can’t see what is on your credit. they run an insurance credit score which basically tells them only if you have a high, med, or low score. the superior the score the superior rates you get.

Answer by mbrcatz17
It’s like prior speeding tickets – insurance companies have found a direct corrolation between credit score, and claims paid out.

There have not been any studies, to the ideal of my knowledge, WHY people with lower scores have more claims filed, and more paid out on claims – so anyone who states “it’s because you do not maintain your car” or “its because you driver carelessly” is speaking out of their hat (or, SHOW ME THE STUDY!!!).

But I have seen the charts with my own eyes!! That show, people with a credit score of 705, on average, have $ 1 paid out in claims for each $ 1 paid in premiums; and people with a 550 have $ 2.50 paid out for each $ 1 paid in premiums.

Insurance departments in just about each say grant credit score to be used as a rating factor, because the mathematical relationship is THERE, and is PROVEN.

Sorry, they really do not care about why.

Now, what you need to do, is get a copy of your credit report and clean it up!! MOST of the time, closing out all the unused, newer accounts can seriously increase your score – as it’s not just about paying bills on time, but how many times you have applied for credit in the past six months, how many accounts you have open, balance due on accounts, available credit (lower those credit lines!!), and the average length each account has been open.

Yep, people who move from one credit card company to the other each year, getting the lowest interest rate, and always paying on time, have a WORSE credit score than someone with a couple late payments, that is had the account for 10 years.

Hope that helps.

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Answer by bonnie m
unfortunately what they stated is true, any insurance company will run a credit report. or even if you are buying anything huge they do a credit report, they want to make sure they get paid.

Answer by J C
Insurance companies several years ago got the commissions in most says to grant them to rate drivers based on credit rating … good credit = good driver, bad credit= bad driver … which is just a bunch of BS. But insurance companies needed another item to based increase charges on. And the kicker is when you shop for insurance and go to several companies, all the checks does lower your score. Just another racket by insurance companies to manipulate the system.

Answer by arealmountainman
The legality of that is questionable, but it is common practice now days in nearly any business. At least they told you about it, most don’t. Employers check it now days also. If your credit report looks bad you will begin having problems getting jobs, rental houses, insurance, and who knows what else, and most denials will not say that it was because of your credit report. Is also ironic that checking your report leaves a bad mark when all the businesses want to check it without your consent or knowledge. Clean up any bad items on your report, wait a bit, and try again. Good luck.

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Answer by Trim Whitman
Check progressive.com

Answer by K&K
i live in fort walton im 17 with a leaners permit and my insurance is 109 a month on my 2008 z06 corvette.

Answer by Camaro355Z/28
I would think more around $ 200 a month would be a tiny better. It is very high but I was in the same boat once and remember paying $ 213. You can shop around more if you’d like, it’s your money.

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Answer by rottendog93
Yes they are high, and for minimum coverage. Minimum coverage might keep Johnny law off your butt, but it will not do much for you if you injure someone or do major damage.

Answer by Entidtil
Basically…..Some check credit, some don’t. Simply call around for quotes and select the ideal quote for you and your circumstances…..basically

Answer by lucy
Safe Auto is high risk insurance, that is the reason they say they do not check credit, since most people who purchase it, cant purchase from a huge name auto insurance company due to their credit, driving record of tickets, or multiple accidents in the past.

Your ideal bet is to get multiple quotes from at least 3 companies. I recommend you call a agent and discuss and they will give you their suggestions. Also, with any high risk auto, most only have minimum limits only, so if you have any assets, you need more than the minimum to protect you.

As a general rule, any accidents/tickets etc will stay on your record for 3 years and if as you say you driving record is good, I recommend you try some of the other companies even with bad credit, since the rates they will charge will most likely be cheaper than Safe Auto.

good luck

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Answer by fighting saints
CA is a “no pay no play” state. Which means an uninsured driver who is not at-fault for an accident can not collect for pain and suffering resulting from an injury. He might get his medical bills paid but he will not get any of that money because it will go directly to the doctor.

He can collect on the automobile damages with no problem.

He can file a claim but he will be severely limited in what he can collect on. The at-fault celebrations insurance company should notify him in writing what can can be paid and what cannot be paid.

Driving without insurance is going to cost this person a good chunk of injury money.

Answer by David
Yes, he can, and he can probably collect, too, but he will have issues with the DMV when he cannot prove his insurance–such as a suspended license. And if he has an at-fault accident, it will only get worse.

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Answer by answer man
Driving a automobile and owning a home are privileges which can be regulated.
Anyone alive MUST now get health insurance.
Living is not a privilege and can’t be regulated.
Read the constitution….if you can.

Answer by sociald
the key being everyone ‘who drives a car’ not everyone drivees a car. not everyone owns a home.

Answer by Mark
Exactly, insurance is all a scam anyway.

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What do you think? Answer below!

Sounds to good to be true. Is it? Has anyone had a bad experience with them? Good experience? Please share.

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Answer by odieman42
21st is a major player in the insurance industry…going with a huge name brand like that is only a good thing….go for it!

Answer by Steve in Kansas City
Yes, they are a legitimate regional insurance company based on the west coast.

If they give you the ideal rate, go for it.

Answer by oklatom
If you are sure you are comparing apples to apples and they gave you a superior rate for the same coverage, go for it.

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Answer by Bill P
You are right. It had nothing to do with driving. Find another insurance company

Answer by JetDoc
Obviously they CAN do it, because they did do it!

Actions have consequences, and if you break the rules, you will just have to deal with what happens when you get caught.

Welcome to the world of adult responsibility!

Answer by ncranger
THAT SUCK’S DUDE
YOUR POPO MUST NEED MONEY BAD….IS THERE SUM’N YA AINT TELLING US…..I DID NOT GOOGLE THIS….BUT I WALK WHERE EVER I WANT TO DOWNTOWN….THIS LAW IS SO OLD…IT SHOULD NOT BE ON THE BOOKS IN ANY TOWN WHAT IS THE REASON FOR IT……I KNOW THEY COST A LOT N I HATE EM…BUT A LAYWER COULD…HELL WOULD GIT IT OFF UR RECORD..ILL GOOGLE IT TOMORROW…GOTTA GIT TO BED……….ROBERT

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