Reader’s Question:

I am going to renew my auto insurance policy here in Casas Adobes, Arizona next week and I received two different offers from two different auto insurance companies, with discount respectively. Can you please help me determining which one I’m going to choose?

Rafael

Casas Adobes, AZ

Sure Rafael,

Wow! Normally discounts are incentives being offered by the auto insurance companies in Casas Adobes, Arizona to selected drivers only. Also only few auto insurance companies who give certain offers to certain individuals and you’re lucky to get not just one but two offers. So if you are interested with these discounts, might as well contact your local insurance agent in Casas Adobes, Arizona to give you pointers on these offers. The usual incentive discount that an auto insurance company provides is when the driver has a clean driving history or the accident free discount.

There are also discounts being offered to good students, this discount is for the teenage drivers or youth drivers who posses a solid academic records. Also these youth drivers can receive auto insurance discounts upon completion of safety driver awareness educational program.

Discounts are also offered to a family who includes more than one vehicle in their policy. You can also get big discounts when you combine auto insurance to homeowners’ policy. You will notice a big value for your money on this method.

With those discount solutions that I’ve presented to you, I will be glad and happy to hear if one of these days you will be qualified to those incentive discounts. Check your options for auto insurance policies in your are by typing your zip code on a similar form on any insurance websites like the one in this page.

Tags: auto insurance, Car insurance discounts, car insurance quotes

Reader’s Question:

I am a co signer for a car loan for my cousin. He was required to get SR22 which is fine because he already got one but the problem is that I am also required by the state of Arizona to provide an SR22 on that vehicle. I do not use that car and I do not have car insurance on it. I just co signed for that vehicle. If I get an SR22, it will definitely affect my car insurance in Scottsdale, Arizona. What do I do now?

Lisa

Scottsdale, AZ

Well according to the AZ Motor Vehicle Division that the car owners under certain circumstances must carry SR22 for a period of three years. Since you are a co signer on the car loan, you are on the title of the car so that means you are mandated to carry an SR22. That may be the reason why you are being required to carry an Arizona SR22.

The best thing to do to find out exactly why you are being required to carry an Arizona SR22 is to contact the Arizona Motor Vehicle Division. When you contact them, you can ask them why you are being required to carry an SR22 and if you have any options. You may also ask them if there is any way you can remove your name off so you wont have to get an SR22.

You may also see if you can get any legal help from an Arizona lawyer who is an expert on this type of

If in case you are still required to carry an Arizona SR22 and your car insurance carrier does not offer this type of insurance, you can type in your zip code here and see if if you can get an insurance company that offer an Arizona SR22 in Scottsdale.

Tags: auto insurance, sr22 insurance

Reader’s Question:

I accidentally hit the passenger side front-end of the vehicle while pulling into my garage. I have both comprehensive and collision coverage in Scottsdale, AZ, will either of these physical coverage cover the repairs to my car?

Lala

Scottsdale, AZ

Yes, this should cover under the collision coverage in Scottsdale, AZ.

Collision Coverage covers damages to your vehicle when your automobile hits, or is hit by, another car, or other object. This insurance coverage pays to fix your car less the deductible you choose. This insurance is limited to the terms and conditions contained in your auto insurance policy.

One claim typically, should not cause your insurance costs to rise. Most insurance providers have an insurance claim threshold that must be paid by them before increasing your auto insurance rate. Usually minor damages fall below the threshold, unless it is high value car that costs a lot to fix minor damages. If it is one of many violations or insurance claims then you can expect your auto insurance rate to rise.

Tags: auto insurance, car insurance cost

Reader’s Question:

My daughter has car insurance now in Tempe AZ and she has a clean driving record. She wont be driving her car for the next year. She is selling her vehicle, and she is worried that she will be put into high risk if she goes without insurance for that long. What will happen to her auto insurance?

Reed

Tempe, AZ

Sometimes when you have had a lapse in your car insurance coverage it may not be easy to acquire decent car insurance rates when you decide to get auto insurance again. If you have prior insurance this can give you a discount on a new auto insurance policy.

So your daughter would likely lose some auto insurance discounts, such as renewal discounts or good driver discount if she has no insurance company for a year or so. Some car insurance providers will not sell you an insurance policy without at least 6 months prior insurance in Tempe.

Your daughter may want to consider getting a non-owners policy during the time in which she does not own a vehicle instead of removing her car insurance completely. This way she will have continuos car insurance on herself. A non owners policy would provide your daughter insurance coverage while driving a friend’s borrowed vehicle. The non owners policy would work as secondary liability coverage if she was in an accident and the damages extended over the vehicle owner’s limits.

Tags: Car insurance discounts, non owners insurance

Reader’s Question:

Do I need a title in order to get car insurance on my vehicle in Tucson? How about the bill of sale?

Duncan

Tucson, AZ

You will need to prove that you have insurable interest in a car normally through either being the individual on the registration and/or title of the vehicle you are trying to insure. You will need a bill of sale when you go to your state’s Department of Motor Vehicles to register and obtain license plates for the car.

Most insurance providers require that you have an insurable interest in order to be able to insure a vehicle on your motor vehicle insurance policy. Some insurers require that your name appear on the registration or title in order to be able to buy a car policy in your name.

Tags: auto insurance

Reader’s Question:

Can I rent a car in Yuma, Arizona if I am currently driving my mother’s vehicle and covered under her insurance but not on my own?

Anne

Yuma, AZ

Many rental car companies in Yuma, Arizona will rent you a vehicle as long as you meet the requirements of their “terms & conditions” and a rental vehicle is available. Most rental companies offer a lot of ways to insure your rental vehicle, simplest is either by using your own car insurance policy, or by buying rental insurance from the rental company.

Since you are already included in an insurance policy, you may be able to use your own insurance to insure your rental vehicle. This all depends on the coverage you have and the rules of your insurance provider with regards to rental cars. You can contact your insurance provider to know what kind of coverage you have and what you can do when renting a vehicle. There is no standard answer with rental vehicle coverage transferring. It is especially not easy because each state is different.

Tags: auto insurance

Reader’s Question:

If I pay my car insurance every month, does it help build my credit record in North Pinal, AZ?

Ben

North Pinal, AZ

Not exactly Ben. Typically auto insurance premiums are not paid on a loan contract, but rather directly to your insurance provider. You pay for future coverage and if you don’t make the payment, then you have no future coverage, therefore no credit is being given to the policyholder. In some cases, you may finance your car insurance through a premium finance contract but those contracts do not report to a credit bureau and again if you don’t pay the collateral (coverage) is cancelled.

If you have unpaid premiums or outstanding balances for coverage received then a carrier will try to collect. If they cannot collect they may forward to a collection agency. Those will negatively affect your credit report in North Pinal, AZ.

Building good credit is essential and paying your bills on time each month is a good way to start. Your credit report is something that the insurance provider will look at when you start a policy and is part of many insurance provider’s rating systems as well so it is essential to build and maintain a good credit history.

Tags: car insurance, credit report

Reader’s Question:

Is it true that if I take the driver improvement course in Arizona there will be no points charged to my license or increase in my auto insurance rate premiums?

Ben

Catalina Foothills, AZ

If you receive a ticket for a non-criminal traffic violation and elect to attend a basic driver improvement course in Arizona there should be no points on your driving record. If, as a result of a traffic violation, you elect to attend and complete a basic driver improvement course, you will receive the following advantages:

1. Your insurance rates will not go up and your car insurance policy cannot be cancelled because of this infraction, unless this involved an accident where you were at fault.

2. Points may not be added to your driving record, adjudication of guilt is withheld, the fine is reduced up to 18% and safe driver status is maintained if applicable.

Tags: car insurance rate, cheap auto insurance, traffic violation

Reader’s Question:

Is a car rental agency liable to the damages to my vehicle if the person they rented the vehicle to does not have auto insurance at all in Peoria AZ?

Mike

Peoria, AZ

It will depend upon laws of the state if the rental car company can be held liable for the damages caused by a motorist who rented from them and caused an accident and without car insurance. A person renting a car typically signs a rental agreement which puts responsibility for damages caused in an accident on the renter.

Though many people believe that rental car companies will assume full responsibility for the vehicles they rent, in most states, rental car companies are not obligated to take responsibility for the actions of their rental motorists including Arizona.

If you were hit by an uninsured driver driving a rental car in Peoria AZ, you should contact the car rental company to see if they are going to take responsibility for the damages their renter have caused. If they are not, then you can contact Arizona insurance regulator or a lawyer to find out the state law that requires rental car agencies to do in this type of situation.

Tags: auto insurance, car

Readers Question:

I have a 16 year old daughter who needs auto insurance in Arizona. Can you give me some tips for a cheap auto insurance rate?

Ariel

Chandler, AZ

Ariel, I can give you some tips.

Although the rates for your daughter as a teen is generally higher, it is still possible to find cheap auto insurance in Arizona - you just have to know where to look for.

Auto insurance for teens is designed to protect teenage drivers like your daughter especially if your daughter is inexperienced. Another possibility that can increase her premiums would be if she has a new license and the likelihood of her having an accident is high. Now you could disagree that anybody who just passes their driving test is a liability.

What can you do to get cheap auto insurance for your daughter? Apart from higher rates, you still have the same options as any other when it comes to cheap auto insurance policy. You can choose to take out basic third party cheap auto insurance.

There are some things that you can do to get cheap auto insurance for your daughter and that includes purchasing an older car. Your first auto should never be anything too fancy or sporty; otherwise you will have to pay a fortune on insurance. If you look around however you should be able to find a few good deals to suit her. Remember that there are things that you can do to lower her auto insurance rate. So even if she is a teenager, she can make certain changes that will lower her insurance rate.