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Auto Insurance denied because of bad driving record?
Hi
My auto insurance was denied by AAA because of bad driving record. I am in Michigan. Where can I get another insurance from. And how do I improve my driving record, is there some kind of test or program I can appear to rectify my record.
RJ
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gomanyes562
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koma
try the general or safe auto
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Krash
You can probably reduce your driving record by 2 points with a defensive driving class but thats it. If thats not enough you may have to look into what is called an SR-22 bond. These are more costly upfront but with most people with less than perfect driving records usually end up paying less over all
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Tim
there are insurance companies that offer high risk insurance . to drivers with bad driving records.. like they do will people with dui’s on there record.. but it is not cheep..
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oklatom
Find an independent agent that can find you companies willing to take higher risk drivers. The SR-22 is not insurance, but merely a form sent to the state proving that you have coverage.
As to improving your record, unfortunately only time, and not getting any tickets or accidents, will improve it. Minor violations will drop off in 3 years.
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Will adding a metal roof lower my homeowners insurance?
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robert k
Not usually, but if your in an area prone to wildfires, it may be to your advantage. Call your insurance agent.
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Smart guy
It might depending on who you have and who puts on the roof and what style it is. You can have a glue like substance spray on your roof and it is guarenteed for 120 mph winds and it is approved by the government
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Will adding a metal roof lower my homeowners insurance?
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robert k
Not usually, but if your in an area prone to wildfires, it may be to your advantage. Call your insurance agent.
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Smart guy
It might depending on who you have and who puts on the roof and what style it is. You can have a glue like substance spray on your roof and it is guarenteed for 120 mph winds and it is approved by the government
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Is auto insurance like Allstate better than other due to it being nationwide insurance?
Like for example in my truck is insured with Carmouche Auto Insurance which is a local insurance company in my city, so is it just as good as say Geico or Allstate, even though its local. Can you all give me your advice, and pointers? Thanks
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Schnauzerface
I have been on the receiving end of auto insurance for 30+ years. (autobody repair)
Most companies big or small will repair your car as cheaply as they can get away with it. The best that I have dealt with is State farm. They are about the only one that doesn’t insist on using cheap parts made in taiwan. -
searay092003
the insurance company you have may be a broker so they buy insurance from a larger company and then sell it to you at an increased rate. Each person is different. Your insurance rate will vary based on driving history, accidents and tickets, age sex, credit score, total coverage be it 100,000 or 1,000,000, and deductible. The only thing you can do is call every company and find out which is the cheapist for the best coverage. For the deductible think about getting in an accident, how much money could you come up with if its only 100 ro 200 dollars then that is the deductible amount you should get. It is hard to say if your insurance company is better than a large chain. Even the large chains are inconsistent. I have nationwide and have had 2 accidents that were handled very quickly, i got my money and no hassles. My inlaws have nationwide, had 1 accident and it was a huge mess and it took them 3 weeks to get there money. Insurance is required so you are kind of stuck and the insurance companies know that. they are there to make money not to make you happy.
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mike1942f
The primary ways to rate car insurance are cost and service. Cost is fairly obvious as long as you are careful to compare same coverage policies and there are no missing things going "gotcha" in them. The latter is part of service and comparing service basically means looking at published surveys of customer satisfaction and at reports from state insurance boards and the Better Business Bureau. Consumer Reports is one source of the former. In those reports Allstate, for example, is more costly and less helpful than State Farm with both being national. Getting a rating or report on a local company is more difficult although the BBB should have something. However, it is likely that what Carmouche is selling is a relatively standard product by a lesser known company that primarily deals with independent agents rather than having its own as State Farm and Allstate. One clue is how you file a claim when you are away from home. One of the advantages of dealing with a national company is if you feel the local people are screwing you around, you can work your way up the chain of command because that is messing with the national reputation. If you sue, it is going to say John Doe vs Allstate not John Doe vs. Unknown Wholesale Insurance Company selling through Carmouche.
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steak5959
Here is a short and easy answer.
Because they are big, they have a lot of money availible to pay for an accident, make sense, huh?
but, if you are buying liability only, then it wont matter. Cuz, if someone else hits you, ur insurance co cannot help you legally, because they have to spend at least $1 in order to get involve by law. You have to chase their insurance co for the money. If you rear ended someone, doesnt matter, the other guy will chase the money from ur insurance co anyway, not you, you dont have to care, since you wont get money.
But for full coverage, Big co is better. Because they wont go cheap when it comes to fix ur car. Better mechanic, better components and not used. Small co pays cheap, and takes long….. -
bundysmom
Although some people think you should rate insurance companies on the cost and level of service, I completely disagree. In my opinion you should choose your insurance company based upon cost and how well their coverage meets your needs. For example, Geico doesn’t offer GAP insurance or new car replacement whereas 21st Century and Allstate do. Geico doesn’t offer coverage for aftermarket parts (like tinted windows) whereas Allstate will. So if you have a new car with aftermarket items, who would you want to insure it? Or let’s say you’re arrested for DUI and are bailed out…Allstate offers $300 towards the bond whereas other carriers don’t offer anything or a lower amount towards it. As long as the coverage provided meets your needs and the price is right for you, stay with who you are with or make the switch. But here’s something else….Geico, Allstate, and all the other nationwide carriers are better positioned to address the laws of the state your accident happens in and facilitate repairs quickly; your local insurance company may not be and may have difficulty conducting investigations, handing your vehicle repairs, and applying the negligence laws of the state to your accident. So unless you don’t have any special needs or never plan on driving your vehicle out of state, stay with who you are with.
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Can homeowners insurance rates increase for having a non operational car on your property in a rural area?
These two cars do not pose a hazard, and the lot is clean and clear. Its not a chophouse type situation.
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ernesto_tig
Usually an insurance company will not surcharge for junk cars, they’ll usually decline coverage or non-renew to get off the risk. An increase would be a like an endorsement meaning we’ll cover the risk, but are charging more. Like she said, who wants to cover junkers. Just get rid of the cars.
Did you discover the cars when you mowed the grass??
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mohan r
No.
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mbrcatz17
Heck yes! That’s an increase in hazard!!
More likely, though, there’s other "junque" on the premises, and the insurance company will demand it all is cleaned up/removed, or they’ll cancel the policy.
Piles of junk, including non running vehicles, promote rusty cuts, rats which bite, and fire hazards.
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Terry F
short answer is yes
another short answer the company can drop coverage.
if the underwriters feel that its ahazrd of some sort they can bump up prem or drop coverage.
Its likely they are staying with in the State’s insurance guidelines as well
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Sarah J
It may not increase your ates but your insurance company can ask you to have them removed due to the liability risk, if not removed they can cancel your policy.
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can your car insurance company send your bill to collections if you do not pay?
i told them i was going to cancel. i thought you prepay insurance. why would they try to bill me for an extra month?
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gregoryb96
Yes they can and they will. I got sued by Allstate once over $100. Be carful.
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nbpga0469
Yes, if it is for a coverage period that you actually used and they provided you coverage without knowledge of your request to cancel. Most insurers require a written or signed request of cancellation. First of all find out the months of coverage you are being asked to pay. Not all policies are prepaid. If you were actually still driving the vehicle during the period in which you are being charged for and have not paid it is considered the same thing as stealing- because the assumed the liability for you while you were driving around and they had not been paid for it- lucky for you you did not have an accident during that time because since you had not paid the insurer could have denied the claim if they chose to.
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CowboyBil
No. They just drop your coverage. You can’t tell them you’re GOING to cancel — call them and CANCEL your policy. You will get a partial refund if you prepaid.
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PeppermintandPopcorn
Take your total term (6 monthts) divide that by your premium to find the daily insurance rate.
Next, count the total days you’ve used insurance and multipy by your daily insurance rate.
Compare that to the amount that you have actually paid. More than likely, you were either behind on a payment or missed a payment.
Also, check your policy contract. It may state the cancel fee and the cancel process…
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bigleybill
If you owe them , better pay them. They have more money and lawyers than you do.
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Mike K
yes they can talk to thin see if you can work it out
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If someone steals my car during a test drive, will my insurance cover me?
I am considering selling my car, and letting local buyers take it for a drive by themselves. If someone steals the car during the test drive, and I report the car stolen to the police, will my car insurance company cover me for the auto theft even though I gave the person the keys and consented to letting them operate the car?
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speedwell
Yes, as long as you are paying for Comprehensive (theft, fire, vandalism) coverage, it would be covered in the event of a theft. You would need to file a police report and submit the claim to your insurance company.
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Kevin S
no probably not
you should just go with them during the test drive
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iused2bfast
Yes, they’ll cover you, as long as there is no fraud involved, but never let someone test drive your car without you!
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kelly_f_1999
ask to hold their car keys or wallet look at their id know who they are it don thappen that much really but sure it does happen so hold something of theirs
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pplschamp325
Don’t let them drive it alone and you have no problem
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oklatom
Only if you have extended coverage which would include collision along with fire and theft. If you just have basic coverage, it wouldn’t cover it, and you should go with on any test drives.
If you do happen to let someone drive alone, at least make a copy of their license, just in case.
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♥Ðue May 4th • ßaby Girl♥
yes, they will. wut i’d do is keep the registration out of the car at all times and maybe ask them for some kind of form of identification to keep w/ u while they’re driving it, that will help ur insurance find whoever stole it.
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Sherrise
yes-it’s still theft.
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Scott W
Easy answer,nope.Not solvable question,nope.Have a look here http://www.Autoinsurancepro.info/auto-insurance-free.htm ,your answer may be here
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Car Insurance rate increased when I moved????
I recently moved WITHIN the same county and my car insurance rates increased because of the move. Should it increase even though I am in the same county???? It’s seriously like 5 miles from my old house….
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carltoncl
You have to ask your auto insurance company which part(s) of your insurance went up. Typically your insurance will have:
1. Liability
2. Comprehensive
3. CollisionIf you move then your zip code changes and your zip code can have a large role to play in determining how much you pay for insurance, especially comprehensive, but liability and collision can also be affected.
Most auto insurance companies assign what is called a "territory factor" to you based on your zip code. When you move, even 5 miles away, this factor can jiggle around.
So what you’re seeing is entirely possible. It doesn’t make much sense to you as an individual but when you’re a big auto insurance company with 1 million policies it looks a lot more logical!
If you’re a good customer with a good payment history then you could ask them to reverse course and keep your old rate. Some companies might do it, some won’t.
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The Pig
are there are more car thefts near the new address. Did you go from having a garage or not having a garage or from private drive way parking to on street parking or parking lot parking. those all could raise your rates.
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shadya_eldousoky
I had this happen to me too, and the difference in payment was a few hundred dollars. I paid the premium, and then got more reasonable insurance before the next premium came due. I asked also about the changing zip codes but not the city, and was told the same thing.
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mbrcatz17
County doesn’t usually matter – it’s usually by zip code and/or town. I know that if you live IN Pittsburgh, for example, your rates are higher than in Verona, same county, and if you’re one more town out, like Oakmont, the rates are cheaper still.
Sorry!
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Loollea
rates are based on all kinds of info, one being zip code and population level which adds to exposure to more vehicles which leads to more accidents, anytime your "exposure" changes, your rates will change
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Angel1
In the UK the first part of your postcode and the first number of the second part are your rating area. Unfortunately the area you have moved to for this insurer has proved more costly than your other address. the only other thing maybe overnight parking of your vehicle. if this changes that can effect your premium too.
it is bad uck but you may also find your insurer/broker as part of any mid term adjustment charge a flat fee. brokers must disclose theirs but insurers simply call it additional premium but there may well be an element of an administration charge in your premium.
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Some companies specialize in providing insurance to high-risk drivers. You’ll have to pay a lot initially.