Archive for the ‘Commercial Auto Insurance’ Category
March 19th, 2010 | 
Author: There are these commercials on TV in the Delaware area for an auto Insurance company. The commercial’s a blue dot character who says "Other insurance companies base their rates on credit scores and education level.. f*ck them! What? I can’t say that?" Whats the name of the company? I can’t remember!
Cure Auto Insurance
Posted in 
I have to say – this field is RIPE for a good consumer survey that gives some general ranges of insurance by state or region. Nearly everything online – (correction – EVERYthing) on line links to get quotes from insurers (commercial sites) . Fine, but suppose a kid is in the early stages of learning about cars and parents are new to the kid driver insurance game and they just want to get a feel for ranges of prices based on region, car type, first time driver, male/female, etc. Let’s assume a modest new car in the $25,000 new range and a responsible kid with middle income family – good insurance history. The new driver is added to current parent policies. Is the range $1000 to $3000? Or narrower … $1500 – $2500.
I have seen Insurance go up by 800-over 5,000 by adding on the first teen driver. The best bet, and easiest way to save money is to find a company that will actually let you rate the driver to the vehicle they drive and NOT the highest rated driver to the highest rated car (which is what a LOT of them do). If you can find a company that will do this, buy a car that you will not need full coverage on. This will save the most money.
I (Wife) need to get insurance on my truck. My husband already has Insurance on his truck in his name (Commercial insurance), do I have to add him to my policy? I am asking because he has had 1 ticket, and it is making my insurance sky high, and if I don’t have to claim him, my premium is much lower.
Yes. That commercial insurance policy does NOT cover him, the way a personal Auto Insurance policy would – he has NO personal coverage, under that commercial policy.
So you need to add him. If you don’t add him, then you have to EXCLUDE him from your policy – meaning, he has no coverage, and neither do you, if he drives your car. And HE has no coverage, AT ALL, if he’s driving a borrowed vehicle, or rents a car, etc.