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Will my job effect how much I pay for my insurance premiums?
Doug,
Garland, TX.
Doug,
You will be able to use your good driving record to your advantage due to your status as a “good driver.” There’s a discount available for people with an engineering or science degree; specifically, most insurance companies offer a teacher discount because teachers are rated as “above average drivers” by the Auto Insurance companies.
Excellent Question.
What is a SR22 Insurance?
James
Grand Prairie,TX.
James,
An SR22 filing is a procedure for filing your DUI insurance with your state department of motor vehicles office. It’s the process of actually filling out the form with them forming the guarantee that you have the required high risk DUI auto insurance which is required after
conviction.
The SR22 is required to be kept on file at the DMV for a minimum of 3 (three)years and could be possibly longer depending on the circumstances of your offense. It is a type of high risk auto insurance that came about because the state decided that people with drunk driving convictions were a danger on the roadways. They determined that in order to re-acquaint those offenders with the driving public they would need to be assured that they would carry a specific amount of coverage due to the increased risk that these very same DUI offenders have the potential to re-offend and possibly cause bodily harm or property damage.
Excellent Question.
What is Medical payment coverage for with my auto insurance and do I need it?
Hank
Plano, TX.
Hank,
Medical payments (called MedPay) coverage pays for the medical expenses of you and your passengers after an accident. This includes accidents while you’re driving your car, while you’re driving someone else’s car (with their permission), or injuries to you or your family members while you’re pedestrians. MedPay will pay no matter who caused the accident, although if someone else is at fault your insurer may subrogate against them, meaning it will seek damages from the other party.
Great Question.
What will classify me as a high risk driver?
Beth
Plano, TX.
Beth,
Generally, the biggest issues that will get you classified as a high
risk driver are traffic violations, dui/dwi offenses, and previous at-fault accidents. It is the best practice to be honest with your insurance agent when talking to the about your past driving history. If they find out later that you lied, or didn’t tell the whole truth about your driving past, they often times can, and will, cancel your car insurance policy.
High risk drivers can find cheap car insurance with online car insurance
quotes. This is the easiest method and the most time saving. Why? Instead of driving all over town looking for the right agent wasting time and gas, using online car insurance quotes for finding cheap car insurance for high risk drivers will save you time and money.
The internet has made it really easy to find cheap car insurance online. High risk drivers can be younger drivers that don’t have a lot of experience, or older people that have had an increase in accidents or claims. Road rage incidents and DUI/DWI arrests can also classify you as a high risk driver.
Great Question.
Does what I do for a living determine my insurance rates?
Jed,
Grand Prairie, Tx.
Jed,
At least one insurance company maintains that there is a direct relationship between what you do for a living and your risk of being in a car accident. Therefore, a scientist will pay the least amount of money and owners of businesses will pay the most. Not only does job type determine the cost of your insurance premium, geographic location, driving record, claims history, credit history, gender, age and car make and model also determine the cost of your premium. Therefore, if you are a teacher, you are in luck. The reasons for this are justified with statistical evidence.
Great Question.