npbassman asked:


When you ask for a new car insurance quote from your current or a new provider they always ask the question if you have been involved in an accident or have been pulled over recently etc, etc. My question is, do they already know this info and are they maybe testing me or do they really don’t know? I’ve had two moving violations within the past 5 years and I’m wondering how to answer these questions when I shop for insurance on a new vehicle.

crizzy u asked:


I have heard that accidents and tickets will affect car insurance rates for five years. I was in an accident four years ago, that was determined to be my fault. Now, my (old) insurance company just settled this claim. Is this going to affect my rates for five years from the settlement date or from the date of the accident?

happyme asked:


I am in the process of filing an auto insurance claim (it wasn’t an accident, but I did cause some damage to my car due to icy road conditions; I hit a curb).
Now, when do premiums usually go up? At next renewal, or immediately?

Destiny B asked:


Basically I was in a car wreck, I filed a claim against the other driver’s insurance company, they agreed to pay me the face value of the car instead of repairing my vehicle. Today they called and are talking about wanting to pick up the car and the title for my car in exchange for the payment.. Is this normal? They never mentioned that I would have to give them my car.

kadykakes asked:


I’m 19 and I will be getting my first car soon, and I have to look for insurance. Which insurance is the best and has a decent monthly cost?

Caraleigh asked:


Auto insurance companies seem to total older cars whether or not they are in great condition. This made me wonder whether auto insurance companies get paid by the state or whoever to total older cars.

queenB_811 asked:


My car is getting repaired, so I borrowed my friend’s car and I ended up getting into an accident. She never told me that she does not have auto insurance on that car. What will the penalties be for me and her? Please Help! Thanks!

wenpeek asked:


I have the opportunity to take over payments on a car. Since the title is not in my name, how can I get auto insurance for this car until the title is transferred into my name? I’d heard there is a form that the owner can sign that verifies that I will be the only one driving this vehicle. Any suggestions would be helpful.
Am, can you give me the website to your insurance company 21st?

Anthony D asked:


I recently exchanged my Canadian driving license for a full UK license but insurance quotes are so high because most companies only consider that I haven’t had my full license for more than a year (in fact I have had a full Canadian license for 8 years). The insurance companies also don’t seem to consider that I have had no claims on my Canadian insurance for 8 years. Does anyone know of a UK car insurance provider that will consider foreign driving experience in their quotes?

Robert K asked:


I’m switching from GMAC to Capital One, but I can’t afford full coverage auto insurance anymore. When I reduce it, will Capital One find out and what would they do?