Do I Need To Have Auto Insurance On A Car I Seldom Drive?
Reader’s Question:
I’ve always wanted to be a journalist since I was a kid. And now, I’m living my dream! Although I have just started, I can tell that this is what I’ll be doing for a long time. Trouble is, I travel all the time! I have a car, insured in Pennsylvania, which I rarely use. Is it wise to keep this auto insurance? I really barely use the car, you know.
Jean
Philadelphia PA
How amazing for you, Jean, to live the dream you’ve always had! I’m sure that your lifestyle has drastically changed because of all that traveling, not to mention the hours required of your job. But, nothing beats passion! I’m sure you don’t mind the changes because like you said, you’ve always wanted to be a journalist! Great!
You know, Jean, it’s all about risk. Whether or not you want to keep your existing auto insurance should be determined by how much risk you are comfortable at. True, you may use your car very so often, but remember that accidents can happen anytime, no matter how long or how infrequent you’ve been on the road. What you can do is perhaps let somebody else – a family or a friend – use your car and enroll him or her as an authorized driver? This however will entail costs so you should also consider if you will be willing to take this option.
Another option is to reduce the coverage so you can reduce your premiums as well. If you feel that because you are on the road less frequently and will therefore require less coverage, then you can look at other auto insurance packages that cost less but with reduced coverage. You can get free quotes from this page by entering your zip code in Philadelphia Pennsylvania PA.
Lastly, you can check with your insurance company if they offer discounts for reduced mileage. Many insurance companies in Philadelphia Pennsylvania PA offer this kind of discounts and it will be beneficial for you to check if yours does.
It’s not necessary to stress yourself with these things, Jean. I’m sure that your local insurers will be more than happy to assist you. The important thins is that you’re living your dream.
I will certainly look out daily for you in the papers!
Will My Car Insurance Rate in Pennsylvania Increase if I Commute To NY?
Reader’s Question:
Why do insurance carriers ask Pennsylvania (PA) residents if they commute or work in NJ or NY? Does that increase your insurance rate?
Allan
Erie, PA
Insurance providers differ in their rating systems so it is possible that some insurance companies within Pennsylvania include usage of the vehicle, meaning in this example commuting out of state into NY and NJ for work, could be used as a rating factor.
It is likely that driving into New Jersey and New York on a regular basis may find you to be a higher risk driver to an insurance provider since those states may have higher statistics of uninsured motorists and/or accidents. Risk analysis is what insurance carriers use when determining your car insurance premiums. Risk is probability; the probability that you will get involved in an accident and the probability of the severity of the incident.
It look like the PA laws permit usage of the vehicle, such as commuting into NJ and NY can be used to help assess your insurance rate. Whether it will increase your car insurance rate or not will depend upon the individual insurance carrier’s rating system so you can ask if working in or commuting to New Jersey or New York will affect the cost of your insurance.
How To Get Low Cost SR22 Auto Insurance
Q: How can I get low cost SR22 insurance on a new car which I will soon buy?
A: Although price is a big factor, one of the huge thing your car insurance company is going to pay attention to when rating your SR22 insurance policy is how safe your car will be on the road. Your own driving history will come into this, but so will the driving record of the car and how safe it is. So, if you want to get low cost SR22 insurance, you need a car which is safe.
How do you know if a car is safe? First, check the safety ratings. Safety ratings come from crash tests which show how much damage cars suffer and cause when involved in different kinds of accidents. It isn’t very hard to find a car with excellent safety ratings, so never accept second best in this area.
Another way you can insure that your car is safe enough for low cost SR22 insurance is to make sure that it has all of the best safety features installed on it when you buy it. By doing this, you can make sure you get low ratings and a car insurance discount as well.
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