Auto Insurance

You will have to pay fines if your car gets impounded for no insurance, registration, and inspection in PA. You will have to registration before the car is released.

$100. Just kidding. There is far too much information needed to calculate auto insurance rates than is possible to do so in a forum such as this. Some companies use as many as 88+ factors to in their calculation of rates.

Does Granddaughter not live with you anymore and not drive vehicle ever? If Granddaughter has moved into her own house and never drives any of your cars then yes you can drop her from your insurance. If she is still a member of your household or drives any of your vehicles then no you cannot taker her off your insurance.

No, your insurance can't be raised by $100.00 just because you are a woman. There are a lot of factors involved with the way your insurance is priced.

All insurance companies must abide by the same rules and regulation as far as grace periods and cancellations as all other companies in the same state. In my state a company must give a 10 day notice on a cancellation for a regular monthly payment. Where you have to be careful is when you have a renewal period. If you have a renewal date then you will not have any grace period or extra coverage after the policy period ends.

Absolutely. Would you pay someone who owed you money. The no claims bonus is a gimmick anyway. Allstate advertises the refund of premium bonus if you don't have any claims. However, in order to get this bonus check you have to purchase an endorsement that costs you as much as the bonus could possibly be.

Sure. On your insurance application that you fill out when applying for auto insurance you agree that you are reporting any and all accidents and tickets. Most likely the insurance company will find out anyway through a system call C.L.U.E. If you are truthful to the agent when shopping for insurance they can usually give you a better rate based on the information given.

It varies from state to state.

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Because younger drivers have more accidents that experienced drivers. This is a proven fact. Insurance companies do not just charge younger drivers more for fun. The statistics are very plain, more experience results in few accidents.

Generally the owner of the vehicle or property must be the insured on any policy but in the case of married couples and usually underage children most insurance companies allow all vehicles or property to be listed under a family policy thereby having all on one policy so you can take advantage of multicar discount and the like. You are also required to list all family members on the insurance policy as drivers in the case of auto insurance.

Probably not. Insurance companies will always look for ways to negate or lower the amount of claim damage they have to pay out as compensation.

Driving the vehicle without a license (or a suspended one) would constitute a breech of the contract/ agreement and they would not pay.

Although if the vehicle were stolen and then driven by an unlicensed party (and the incident reported to the authorities), they would have to pay.

You would receive the lowest adult rates for auto insurance but it is not possible to give estimates on a forum like this. There are far too many factors that go into rating auto insurance these days to give even general estimates. Just some of the factors effecting rates are your State, Zip Code, driving record, claims record, vehicle information, types and amount of coverage desired, credit rating, use of the vehicle, discounts for multiple vehicles, discount for experience, other drivers in the house, miles to work or school, and many more. Some companies use over 50 different factors to determine rates. With computerized rating programs the number is almost unlimited. I remember the day when we had to rate policies by hand which would be impossible now especially when we are comparing multiple companies at one time in order to find the best rates for each client.

Yes, if you are hit by an uninsured driver, you typically need to pay your auto deductible if you file a claim through your own insurance policy. This is because your insurance will cover the damages after you meet your deductible. However, if you have uninsured motorist coverage, it may help cover costs without the need to pay a deductible, depending on your policy specifics. Always check your insurance policy for details on coverage and deductibles.

Call an insurance agent, and they can give you an exact quote.

Yes, children with a learners license should always be reported to your insurance company. Most companies will not charge an additional premium for drivers with a learners permit but they must be added as a driver.

Loaded Question!

If your insurance ran out, the car was parked, no.

If there is something that happened to cause the former insurance company to drop you, yes.

If something happened to the un-insured car that may need to be reported.

If there is just a gap, no.

Any moving violation, including disobeying a traffic control device can effect your insurance premiums

The basic insurance/third-party liability covers third-party persons. But if you have comprehensive car insurance, it not only covers you, third-party persons but also your car.

This is to determine if injuries from an auto accident can be paid from your insurance coverage or from Medicare. Several years ago the Federal government made auto insurance primary for paying for such injuries medical expenses and Medicare would pay secondarily over and above the auto insurance. They also made Medicare secondary to any other insurance you may have from a former employer under a retirement provision. This was a drastic swing of lots of money off of Medicare and onto other insurance programs for payment.

Yes, They also charge higher premiums for young drivers. It's all about your risk category which is in small part determined by your age along with other things like your driving record, your claims history and comparable claims filed by others in your region.

You really cannot have a policy issued without the insured person knowing it as they will have to sign the policy as it is a legal contract. If you sign their name you have committed a felony of forgery and this is illegal.

You cannot legally be sold auto insurance if you have no car to insure.