SR22 Auto Insurance Certificate With Teen Driver
Q: Do you have any tips for saving money when adding a teenager to your SR22 auto insurance certificate insurance policy?
A: Sure. An SR22 auto insurance certificate is a costly type of car insurance, and adding a teen to your policy is bound to make your rates rise yet again, which is why you need to keep your eye on available discounts when choosing a car insurance company. There are two discounts which will save you the most with a teenager, and here they are.
First of all, you should have your teenager be part of a general driver’s education course. You can usually find a class like this at your child’s school. If they take a course in order to get their driver’s license, then once they have the course finished they will be able to get a discount. Don’t forget that your teen needs to be on your SR22 auto insurance certificate while they have their learner’s permit as well.
Second of all, you should keep an eye on your teen’s grades. What does this have to do with your SR22 auto insurance certificate? If your teen makes Bs or higher in his/her classes, then you can save good money on your auto insurance with a good student discount.
Borrowing an Uninsured Car Will My Policy Cover an Accident?
Reader’s Question:
I am from Pennsylvania, and I usually drive my friend’s uninsured car. Will my auto insurance cover it if I get involved in an accident?
Betty
Lancaster, PA
Pennsylvania is one of the largest states that adopted the no-fault law. The no-fault law states that if there was a car accident, the parties involved will be covered by their own car insurance company regardless of who was responsible for the mishap. This no-fault law is an attempt to minimize delays and red tape. Lengthy lawsuits trying to determine who was at fault and who needs to pay who can be quite tedious and bothersome.
In your case, before you borrow anybody’s car, be sure to verify if it has auto insurance coverage. Your friend has to obtain his or her own insurance coverage for the car. It is against the law to acquire a vehicle and not have it covered. This is because every federal government requires its motorists to have financial responsibility if they cause unfortunate accidents. So your friend is obligated to insure it.
If ever you get into an accident while driving your friend’s car, then his or her insurance will kick in first. Your auto insurance policy will be a back up to your friend’s coverage if it so happens that his or her policy limits cannot pay for all the expenses incurred following an accident.
What Car Makes and Models Affect Auto Insurance Rates?
Reader’s Question:
Hello there. I hear the type of car you have can affect the auto insurance rates you pay. Can anyone give me some tips? I’m planning to buy a nice new car soon.
Alex
Philadelphia, PA
Hey there, Alex! I’m sure you’re all excited to get your new car. Sometimes, it’s real easy to get carried away when you’re looking to buy the car you have always dreamed of. Still, unless you’re swimming in money, it would be best to choose a practical vehicle as the auto insurance costs for the lavish cars almost always comes with a high price tag.
If you want to walk on the safe side, I suggest you buy a car that isn’t so expensive to insure. Veer away from the vehicles that cost a lot to repair. Also stay away from cars that are favorites of car thieves. You can check out the car’s safety ratings as this will also affect the auto insurance prices that you pay. You can even get discounts for having additional safety and anti-theft devices installed. If this isn’t your first car, maybe you can ask your auto insurance company for a discount as you will be insuring multiple cars with them. You will need all the discounts you can get to ensure that you can buy enough coverage for your car. In general, you would need more coverage for a new car as it is more expensive to repair or replace. So do shop around online and get your free auto insurance quotes. Happy car shopping!
What Cars Are Cheaper To Get Auto Insurance?
Reader’s Question:
Hello, I’m from Pennsylvania. We have finally decided to purchase our son his own car and get him his own vehicle insurance policy. He is going off to college pretty soon. He’s very excited about this, and I’m sure he would want a fancy one. However, my husband and I want to be practical. Vehicle insurance coverage alone can be draining on the budget. What would be a good choice of vehicle?
Jenny
Philadelphia, PA
Hi Jenny of Pennsylvania! Are you planning to get your son a liability car insurance coverage? This is the minimum requirement in most states primarily because you must be able to take responsibility for any damage you might inflict on another person while driving. This, however, does not cover damages to your own car, so your car choice in this case won’t matter so much.
It’s a good thing though that you’re being careful about buying a vehicle. There are several factors that affect your premium especially if you’re getting a comprehensive car insurance coverage. What car you drive is one of them. Some cheap cars to insure include Chevrolet Venture, Honda Odyssey, Buick LeSabre, Oldsmobile Silhouette, and so on. You might want to canvass vehicles in this range. If the car you choose is likely to get into an accident, it will be more expensive to insure. If it is costly to repair, vehicle insurance companies will also charge more. Between a sedan and a mustang, the former would be the obvious choice.
Even if you could afford it, I wouldn’t recommend buying an expensive car especially if your son is a beginner at driving. His inexperience could work against him. Both the value of his car and his lack of driving experience will raise the premium of his vehicle insurance policy. These are hard times, and I guess your priority should be utility and safety. He could get his sports car later.
Where Do I Get Teen Drunk Driver Insurance?
Reader’s Question:
Hello from Pennsylvania! Can anyone help me out here? My teenage son was caught drunk driving and got his insurance cut off. Now he wants to start driving again. Will we still be able to get insurance for him? Is there such a thing as drunk driver insurance?
Eric
Pittsburgh, PA
Hi there Eric. Uh-oh… Drunk driving is not good. Are you sure you want to let your son back on the road so soon? Anyway, there’s still hope for insurance although it will be trickier this time around.
You can also your auto insurance rates to go up because of your son’s tarnished driving record. If your son’s license and registration has been suspended, you will need to ask your automobile insurance company to file an SR-22 in your behalf. This is a legal document that will prove to the Pennsylvania’s Department of Motor Vehicle that you have the proper insurance coverage. This must be maintained for at least three years, and there will be reinstatement fees to be paid. I suggest you look for an insurance company that specializes in serving high-risk insurance drivers and SR-22 filings.
You may also want to look into companies that specialize in teen driving insurance. These companies will be able to provide affordable insurance rates even with your son’s record of drunk driving. How about going to online auto insurance companies websites? You can easily get cheap online auto insurance quotes from these websites free of charge! And please, next time he does go on the road, tell your son to drive safely.
What Kind of Car Insurance Coverage Should I Get in Pennsylvania?
Reader’s Question:
If there’s a third party liability, then what’s the coverage for first and second party liability? I don’t think I’ve heard of those here in Erie, PA. I just got my first car and I don’t know what kind of insurance to get.
Chuck
Erie, PA
You are one confused kid, I tell ya. Okay, let us get all the terms clear here, all right? The term first party refers to you, the policy owner who entered in to contract with the second party, which is the car insurance company. So, yes you were correct about not having heard of the first party and the second party liabilities before because in Erie, Pennsylvania and in any other state for that matter, the most common and most sought-after kind of insurance coverage is the third party liability. Well, of course, you got the idea of second party all wrong. Seriously now, the third party refers to the other person or other persons who are involved in the accident, and they are the people to whom the damage is done, whether in terms of body injuries or damage to property. So in a nutshell, the coverage of the first party liability includes the policy owner, his or her passengers. The third party liability, on the other hand, covers property damage and bodily injures on other people as a result of the accident, so you won’t have to worry about paying for repair bills and medical expenses. And there’s no such thing as second party liability, which is like saying that it’s the vehicle insurance company that caused the accident.
Tags: auto insurance, auto insurance coverage
Looking For New Driver Auto Insurance in Pennsylvania?
Reader’s Question:
Hello, wondering if anyone can offer advice here. I live in Pittsburgh, Pennsylvania and I just started working. I am a new driver and I plan to buy my first car soon. What basics should I look at first in getting car insurance? I do plan on having a long relationship with my car and treat it as a valued possession.
Matt
Pittsburgh, PA
Hello there, Matt and congratulations on your move. That is a fine idea you have there, practical and not wasteful. Based on my experience, you buy the automotive insurance based on what you plan to do and how you’ll use your car. I’ll also suggest checking state laws first, on what’s the bare minimum of auto insurance that a Pittsburgh, Pennsylvania car owner should have. Also bear in mind that too little or too much insurance is bad. You can either get caught unprepared in an emergency situation or get caught stuck with payments you can’t afford.
Here is one basic tip that I think you should check out. If you are a new driver and looking at acquiring an expensive brand new car and you’re confident about dealing with deductibles, you can look at having collision and comprehensive coverage in your auto insurance. With collision coverage, you’ll be prepared for vehicular accidents on the road i.e. you hit another car or another car hits yours. With comprehensive coverage, your car is insured for damages that are not caused by other vehicles. Let’s say, by some freak event, a tree just drops on your car, the resulting damage to your car will be covered by your auto insurance
I Am Buying a New Car Do I Need To Get a New Auto Insurance Policy?
Reader’s Question:
Edward here from Philadelphia, Pennsylvania. My car’s has been freaking out lately so I’m thinking of retiring it and getting a new one. Will I also have to buy new insurance for the new one or can I just use the current one I have?
Edward
Philadelphia, PA
Hi Edward, that’s a good question. My advise to you is, talk to your automobile insurance provider in Philadelphia, Pennsylvania about it. Different insurance companies will have different rules about this. Here are a few things to note if you want to carry over your current insurance to the new car. Your new car will be covered for the same amount that your old car was covered. If it’s a pretty old car, I’m pretty sure you went the economical route and got just the minimum coverage amount required by law. This exposes you to greater financial risk if something unfortunate does happen. Also, your dealer or financer, (read: loaning agency) will most likely require you to buy additional insurance for the car. This would be your collision insurance to cover repairs for damage to your car if you get in an accident. You will most likely also need comprehensive insurance to cover most anything else that could happen that will cause you to lose your car or for it to be damaged.
The insurance companies have different policies and restrictions on replacing or adding vehicles under an insurance policy. Some extends the coverage of your insurance to the new or added vehicle for a couple days, while some give you more lee way. The main thing is, do update your policy as soon as possible to avoid possible financial blunders caused by little or no insurance coverage.
Can I Lie To My Auto Insurance Company About Where My Car is Parked?
Reader’s Question:
I live in Philadelphia, Pennsylvania and it is really not cheap to park your car here so I garaged my vehicle in my girlfriend’s house in the suburbs. Is it legal if I change my zip code (where the vehicle is parked) in my car insurance information.
Sam
Philadelphia, PA
The place where the vehicle is garaged is typically where you live majority of the time regardless of where you garage your vehicle occasionally. Even though you use your girlfriend’s garaging address to keep your vehicle, you likely still need to operate the car to where you live, by using your automobile on a regular basis. So your residential address would be the similar as your garaging address.
Insurance carrier’s guidelines can vary though so I would recommend that you speak with your insurance carrier to know what rules they have for garaging addresses. If how you are garaging the automobile is acceptable to them and permitted according to their rules and guidelines then you may be able to use the garaging address.
If the insurance carrier does not allow this, you might think about shopping around for car insurance and obtaining auto insurance rates from other insurance companies to check if you can get cheaper premiums in Philadelphia, Pennsylvania.
Tags: auto insurance, car insurance rate, cheap auto insurance
Will Comprehensive Auto Insurance Pay For Hit and Run Accident?
Reader’s Question:
My car was parked in front of my house in Reading, Pennsylvania and last night it was hit by another vehicle. I have comprehensive and uninsured motorist coverage. Will these cover the damage on my vehicle?
Marla
Reading, PA
Comprehensive insurance coverage covers your car for things other than collision such as fire, flood, or animals or if your car gets stolen. Collision coverage on the other hand covers your vehicle when your vehicle hits, or is hit by, another car, or other object. I do not think your comprehensive coverage would cover the damage to your car you mentioned if it was from another vehicle since that would usually fall under the Collision coverage.
Uninsured motorist can be either for property damage or bodily injury. If you have the bodily injury (UMBI) then it will not pay for damages sustained to your automobile. Normally this insurance covers you, your passengers or insured members of your household for bodily/personal injuries, death or damages caused by an at-fault uninsured or hit-and-run motorist.
If you have uninsured motorist property damage (UMPD), and if the damage are from a hit and run accident then your vehicle may be covered. Typically UMPD covers your car when property damage is sustained by an insured and the other party does not have car insurance.
You may contact your insurance carrier in Reading, Pennsylvania to get better understanding of the coverages you have on your car insurance policy and you may also ask if the damages sustained in an accident would be covered.
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