By author on November 12th, 2008
Reader’s Question:
Would there be any difference in determining auto insurance rates whether a driver is a male or female? I am out to get auto insurance here in Trenton, New Jersey and I am hoping get a cheaper one because I am female driver.
Opal
Trenton, NJ
The gender definitely have an influence on the driving behavior of a person and insurance industry watchdogs think that the issue could be noticeable in other ways as well. A lot of auto insurance providers consider the gender of the driver in deciding on the premium rates. The significance in setting a price are different from each insurance provider and also through claims experience, however, with all other factors being even, a woman between 18 and 25 years old, will have lower rates than a man in the same age bracket.
A lot of car insurance industry professionals will have the same opinion with the presumption that men, especially the younger ones, have the tendency to drive more aggressively than women and show their fierceness directly. Moreover, male motorists are more probable to disobey the law than women and men are more of a risk-taker. Male motorists generally drive greater distances than women and involved usually in risky driving behaviors such as not wearing seat belts and speeding. These are some of the reasons why men have higher insurance rates than women so may be able to get cheaper premiums on your auto insurance in Trenton, New Jersey provided that you have good driving history.
By author on November 10th, 2008
Reader’s Question:
Is it true that driving a sports car can cause higher car insurance rates? I just got a new car, a Firebird (2 doors) here in Camden, New jersey and was wondering about the things I need to know to insure it properly, Thanks!
Arnold
Camden, NJ
Hi Arnold, it is a big possibility that you’re going to have higher car insurance rates for your sports car there in Camden, New Jersey. Car Insurance companies see sports cars as posing a higher risk, or would prove to cost them more to provide coverage. Sportscar are more expensive, making it very popular among car thieves. Sports Vehicles also have exceedingly faster speed limits than a regular car hence, the increased likelihood of getting involved car crashes. So the only way for insurance providers to protect their business will be to charge you far higher insurance rates.
Here’s a few things you should consider before getting car insurance for your sports car.
1.Try to find a niche car insurance provider. There are providers out there that specializes in sports car insurance so you may be able to get competitive rates than with a general auto insurance provider.
2.Maintain an excellent credit history. Keeping your credit history squeaky clean will show your insurance provider that you are a responsible payer and will be more inclined to treat you the same as a driver. His should keep your rates from hiking.
3.Be safe. Be a responsible and safe driver and maintain a good driving record. Investing in additional safety mechanisms against theft or collision will also qualify you for discounts in your car insurance.
By author on November 7th, 2008
Reader’s Question:
My husband seems to have poor driving habits that makes me think if I would just have to exclude him from my auto insurance policy here Jersey City, New Jersey. Still, I wanna keep him insured under my policy so the question is, is there a way that I can keep my premiums down despite of my husband’s driving record?
Terry
Jersey City, NJ
In some situations, your auto insurance provider in Jersey City, New Jersey could keep your husband off your insurance policy. You may think that you would have to pay more for your auto insurance coverage if you list your husband as a primary driver or occasional driver on your auto insurance policy. However, there are still other ways to keep your premiums down despite of your husband’s bad driving history. An auto insurance expert suggests that in these conditions, you may start by having a serious talk with your husband to tell him that he can work out on having safer driving patterns.
Of course, you would want your husband to be fully aware of the consequences of having poor driving record. Speak with him that he may likely have a disastrous incidence because of that. You could tell him that the results would not only be having higher auto insurance premiums but it can also result in a serious accident which no one would like to happen. Auto insurance providers principally cover the couple’s vehicle because they presume that both of you will use that vehicle. This would come down to having a higher risk because of your husband’s poor driving history. So make your way in convincing him to be a safer driver and take refresher driving courses.
By author on November 6th, 2008
Reader’s Question
How does car theft affect my car insurance and what can I do to prevent it? my friend’s new car got stolen here in Clifton, New Jersey and found out they’re insurance wont cover the total price of the vehicle. I don’t want the same thing to happen to me.
Amanda
Clifton, NJ
Car theft, its a nightmare! Plain and Simple. Car theft costs has amounted to Almost $8 billion dollars as of 2008 and it seems that the number of incidences will not go down any time soon. Not only does it cause a lot of emotional distress, car theft also wreaks havoc on your finances especially on your auto insurance. As a victim, you would have to deal with all the paperwork and file all police reports in order to get a claim and, hopefully, your insurance policy will reimburse you for the full amount of your stolen vehicle, barring any complications with the insurance company.
You would want to avoid this at all costs so here are a few things to remember on how to protect yourself against car theft, and your car insurance rates from climbing:
Add additional safety mechanisms – Shop around for after market vehicle security systems, its worth the investment, since most of the time the security features of even the newest models can be overcome by very experiences (and very determined) thieves.
Review your insurance policy – Just because you can say you have car insurance doesn’t mean it will actually cover you in the event of a vehicle theft. Read and understand the term of your policy and know exactly when and how your car is covered.
If your car there in Clifton, New Jersey does get stolen contact the police to file a report immediately. Also get in touch with your insurance agent as soon as possible.
By author on October 31st, 2008
Reader’s Question:
A friend of mine told me that I could still be able to save money on my auto insurance here in Edison, New Jersey. We compared our policies and we almost have the same coverage but our premiums have huge difference. If I switch insurance providers, how would I choose the cheapest auto insurance coverage?
Oceana
Edison, NJ
Selecting the most affordable auto insurance coverage would not be just as simple as looking for the right auto insurance company. There are a lot of insurance coverage that you could choose from and for every coverage, there are more options when in comes to the deductibles. To be able to choose the cheapest auto insurance in Edison, New Jersey, you have to determine first the type of coverage that is mandated by the state that you should have. Uninsured and underinsured coverage are required by the state of New Jersey and you have options for “stacked” and “non-stacked.”
You should take note of the coverage including the cost of deductible that New Jersey requires. In general, they only demand you to have a deductible of at least $1000. You would also have to take note of the insurance coverage that your lien holder insists you to have. Most of them would demand that your automobile should have coverage against theft and collision. Once you know the legal requirements for auto insurance in the state of New Jersey, you can now shop around for coverage from different carriers and compare them. This way, you will be sure that you have the best options available in the market to find the cheapest auto insurance with sufficient coverage.
By author on October 24th, 2008
Reader’s Question:
I am already away from home and my parents are getting divorced soon. What worries me is my 16-year old brother and his car insurance as well. I may help him get his own insurance policy here in Newark, New Jersey but I am not sure of that yet. In case I can’t get him his own, can he be under both of my parents’ car insurance policies?
Nia
Newark, NJ
Your teenage brother may have to split his time between your parents once they get divorced. Regarding his car insurance, a lot of insurance providers would recommend that the parent who has custody of your brother the most must add him to his/her car insurance policy. In some cases, insurance carriers say that it would be whoever parent has custody of your brother if he is attending school.
If the same car insurance provider gives coverage for your parents and they have joint custody, your brother would be covered by both of your parents’ car insurance policies, no matter if he is listed as a driver on either policy. The reason behind that is because some car insurance policies define “an insured” as “an individual who is related to you by blood, marriage, or adoption and is a resident of your household.” Not all car insurance policies are the same so make sure that you check with your parents’ policies or get in touch with the insurance provider for some information.
By author on October 23rd, 2008
Reader’s Question:
I am very fond of having a collection of antique cars here in Elizabeth, New Jersey and all of them are insured. Is there a special type of car insurance that would give coverage for them?
Travis
Elizabeth, NJ
Since you are fond of having a collection of antique cars in Elizabeth, New Jersey, you have to know about collector auto insurance. If you drive your collectible cars less than 5,000 miles a year, you must consider buying collector car insurance. You may think that you’re already in great shape regarding your insurance because you already have regular insurance on your collectible cars. But if something happens and damages your precious cars, maybe at a car show, you would have a not so good time in your effort to file a claim.
The car insurance claims adjusters are already used to processing claims on regular automobiles and would not want to consider if you insist on having your special car repaired at a shop that understands antique cars, or why you would have to pay more that the regular rate for any parts or services necessary. Moreover, a regular car insurance policy would not guarantee the stated value of your antique car when it is lost or if you get involved in an accident.
By author on October 17th, 2008
Reader’s Question:
How would I know the type of insurance that I need for my car here in New Jersey? Also, how does getting car insurance quotes online work?
Raffy
Bayonne, NJ
You have to think over real hard as to what exactly the type of insurance you need for your car in Bayonne, New Jersey. If you have a huge savings account, have your own real estate property or stocks or own a home, be sure that you have the appropriate liability insurance for protection of your assets. There are instances that the other party in an accident would try to file a lawsuit against you for ‘pain and suffering’ and if you don’t have proper liability insurance to pay off the cost of the lawsuit, you could see yourself forced to sell out a property to be able to come up with enough cash.
In getting car insurance quotes online, certain websites would allow you to obtain quotes from more than one insurer all at the same time. Be sure that you have all the information that you need so that obtaining online rate quotes for your car insurance would be faster. You need to have with you your license, car registration form and existing insurance form. Some insurance company would not give you quote immediately. Some would send them to you through email and some would have a representative who lives in your area call you on the phone.
By author on October 15th, 2008
Reader’s Question:
What good will it give me if I get full coverage for my auto insurance here in New Jersey instead of just getting the minimum liability coverage?
Paris
East Orange, NJ
Auto insurance coverage is one thing that is decided by every state. There would be different regulations and required guidelines by the state that controls these rules and also the ones that give the coverage. One of the components that are determined by state rules would be the minimum amount coverage that the law mandates and this is the minimum liability coverage.
The other basic type of auto insurance policy is a more comprehensive full coverage. Full coverage doesn’t mean that every incident would be afforded protection by the insurance policy. So in this sense, full doesn’t mean complete coverage. With this type of coverage, you would get further areas of coverage aside from the basic liability. These coverage types would be the collision and comprehensive coverage. Comprehensive coverage would protect you from other kinds of damage such as vandalism, theft, natural disasters, etc. Collision coverage would give you extra protection in auto collisions. In case you’d like to have full coverage for your auto insurance in East Orange, New Jersey, you’re not obliged to get all of the three elements. Some insurance policies would allow you to have comprehensive without the collision coverage.
By author on October 14th, 2008
Reader’s Question:
I am afraid that my DWI charge here in Camden, New Jersey would have great impact on my car insurance. Is it true that it can be canceled once I get convicted?
Kale
Camden, NJ
There would be different costs that you would have to pay if you get convicted for your DWI charge in Camden, New Jersey. Aside from the penalties that would be imposed by the law, there would be a significant effect on your car insurance. You will receive insurance points on your driver’s license because of your DWI and so it could lead to losing your car insurance. You can also be turned down by other car insurance companies for a new coverage and if you find one that will insure you, the insurance would be higher that what you used to pay.
If your car insurance policy is cancelled by your current provider, you could see that seeking for another car insurance would be a challenge. A lot of car insurance companies don’t want to provide coverage to a person convicted for DWI. But this doesn’t mean that you can’t find a car insurance company to insure you. The new car insurance policy that you are trying to find could just be on this website so you can get a free quote here.
