Cheap Monthly Car Insurance

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Your Questions About Cheap Monthly Car Insurance

March 8, 2013

Thomas asks…

Somebody broke into my car. Alert insurance or no?

Hey

I was studying at school about an hour ago and as I was going home, I go to my car and see the passenger seat window completely busted.

Don’t think anything was taken and no visible damage. Just shattered glass eveywhere.

Called the cops, they didnt come but told me to file a report at my nearest station. Will do that first thing tomorrow.

My question is: would you alert the insurance ? I spoke to my mother about it (the car‘s under her name – cheaper insurance) but she doesn’t want to tell them. Said our deductibles will skyrocket and our monthly rate as well.

Any advice ?

Administrator answers:

That’s covered under comprehensive coverage, less your deductible. A glass claim wouldn’t cause your rates to increase. A series of glass claims coupled with some speeding tickets and or an accident, well, that’s a different story. What’s your driving and claim record like? There’s your answer.

As for “car’s under her name-cheaper insurance” that’s a whole other set of worms. Do you primarily drive the vehicle? Do you have care, custody and control of the vehicle? Do you live with your mom? How old are you? There are several factors that may work out where the insurance should be in your name so that you have all rights to the policy. If you mom owns the vehicle, she may be listed as the additional insured to protect her financial interest, but depending on who you have insurance with, there could be a coverage question (not in a simple glass claim case, but a larger claim could cause a serious denial of coverage).

People play games all the time with who owns what & who drives what. It can come back to bite you and all those premiums you thought you were saving are flushed down the drain when you don’t have a vehicle any longer and no way to pay for the damage or replace it. Be very careful.

Linda asks…

Teenage car insurance?

Well im 15, gonna be 16 in 2 weeks and Im about to get a car. How much will the insurance be?
I live in Arizona, have straight A’s and am a girl and the insurance im gonna have has benefits if you have good grades and its cheaper if you’re a girl too. So I would like an idea of how much it would cost monthly?
The car would be a 1990 toyota camry 4-cylinder

Administrator answers:

You can only be insured through your parents or guardian insurance. The rates will be lower if you take a defensive driving course or drivers ed. It will also depends on your parents record. That old of a car will be a little higher due to newer safety standards. Best to check with the insurance carrier.

James asks…

Can you get car insurance scams? £80 insurance?

im 20 years old and looking for car insurance for the first time on my first car. I have a friend who knows someone working at diamond who has quoted me a really cheap amount for both me and my brother. it comes to £994 a year for me and my brother both and a monthly payment of £80, however he is asking for a personal fee of £650 for doing it so cheap. is this trust worthy? im so baffled please help!

Administrator answers:

The whole thing is a scam.

All the money goes in his pocket and all you get is a printed piece of paper saying you’re insured, rather than an actual insurance policy.

This works perfectly well right up to the point where you drive past a Policeman who will be able to see you’re not insured, and you lose the money, the car and your licence, in that order.

Ruth asks…

what would my insurance be in this situation?

I am 20 years old I have had my license for 10 months but did not have insurance nor have i ever had insurance or a car under my name. I am goin to buy a cheap non sports car and am wondering what it will cost me for LIABILITY only to have insurance, yearly and monthly , and do i have to make a down payment?
I am 20 years old I have had my license for 10 months but did not have insurance nor have i ever had insurance or a car under my name. I am goin to buy a cheap non sports car and am wondering what it will cost me for LIABILITY only to have insurance, yearly and monthly , and do i have to make a down payment?

i have nothing on my record, im in north carolina, and im going to school, i dont need an exact number but just a guess in what range cause i havnt gotten a car yet

Administrator answers:

Do you have tickets/accidents on your record? Are you in school and getting good grades? What state do you live in? Is your car going to be financed or will you pay for it outright?

Too many factors missing to make a guess.

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