Reader’s Question:

Do you know any insurance companies that give credit for completing the national safety council defensive drivers course in Dearborn, Michigan?

Christine

Dearborn, MI

The National Safety Council (NSC) defensive drivers course (DDC) is a comprehensive driver improvement program. This is usually a 6 or 8 hour curriculum that provides practical knowledge. The course includes techniques to avoid accidents and to choose responsible, safe, and lawful driving behaviors.

After an individual completes the course they will receive a NSC DDC Certificate of Completion. In most states this makes you eligible for ticket dismissal or point reduction. The NSC site states that insurance providers in 34 of the 50 states allow for a reduction on car insurance premiums to DDC certificated graduates.

You may contact the Insurance Division for the state of Michigan and ask them if they have the list of the specific insurance providers in Dearborn, MI that permit for credit or rate reduction to those that complete the NSC DDC.

Tags: auto insurance, car insurance cost, car insurance rate

Reader’s Question:

How do Wisconsin DMV points affect your driving privileges and how does it affect your insurance rates? I live in Appleton, Wisconsin.

Richard

Appleton, WI

In Wisconsin, if you accumulate 12 or more demerit points in a twelve month period a suspension of your driving privilege will result. To verify what the Wisconsin laws are contact your DMV in Wisconsin.

As for auto insurance rates, how they are determined varies from insurance provider to insurance provider. Some might consider the amount of points or the severity of your offenses as part of the factors they use to decide car insurance rates in Appleton, Wisconsin. You can verify with your state’s insurance regulatory body to see how your insurance carrier does their rating system since they much be filed with this entity.

Tags: car insurance rate

Reader’s Question:

My car was parked outside last night and it was “keyed.” I’d just like to ask which coverage, the collision or comprehensive covers vandalism on my car insurance policy. Thanks.

Blake

Manchester, NH

The collision in your car insurance policy means the impact of your insured car with another object which may have caused the upset of your insured car. Meanwhile, loss caused by foreign projectiles, falling objects, theft, fire, explosion, natural disasters, vandalism and malicious mischief, civil commotion and riots, breakage of glass and colliding with any bird or animal are other than collision losses which is also known as comprehensive.

Your situation is considered vandalism and would be covered under your comprehensive coverage. Your car insurance policy over there at Manchester, NH will pay for these damages less the deductibles that apply.

Tags: auto insurance, automobile

Reader’s Question:

I am wondering what is the penalty for a tourist caught driving without a license? Should an attorney be contacted for a court hearing scheduled?

Dan

Chicago, IL

If you are a visitor or a tourist to the US and found to be driving without a license the penalty will differ depending on what state the violation happened. States have vary on types of penalties for this type of violation. If you are a tourist just visiting the United States it is likely that the penalty would include a fine. Before you contact a lawyer you can contact the court or other entity listed on the ticket to find out what the possible penalties could be. After receiving that information you might choose the best course of action is to acquire legal counsel.

As a foreign tourist coming to the United States., one needs a valid driver’s license from their home country to operate on the roadways. Usually it is helpful to also get an international driver’s license or permit.

Tags: automobile, Driving without License

Reader’s Question:

If you get caught by the law enforcement officer for driving without insurance, does that go toward your criminal record?

Richie

Dallas, TX

When you are cited for a traffic violation and you are unable to show proof of insurance to a law enforcement officer, usually the penalties range from suspension of your license and possibly even fines. This type of infraction is typically added to your driving record and it usually remains on your driving record between 7-10 years depending on your state law.

But, some states consider serious moving violations to be a criminal offense as well. Cases where in DUI leads to a fatality, or even death, reckless driving in states can be considered a criminal violation. So if get involved in a more serious infraction and you do not have an auto insurance, it could be considered a criminal offense. Criminal violations usually incur more severe penalties and these infractions remain on your criminal record permanently.

You may be able to contact your state DMV to get more information about about moving violations and the penalties you may receive for driving without insurance. If you are looking for an affordable auto insurance, you may begin by getting free quotes here by placing your zip code above this page.

Reader’s Question:

Does your auto insurance rates go up once you reach the age of 65?

Rob

Chicago, IL

No, insurance rates do not necessarily increase once you reach age 65. It will depend upon insurance company guidelines and state laws if auto insurance rates will be raised after a motorist turns a certain age.

Some insurance carriers offer lower rates to those between 50 and 65 years of age,because this group has lower accident rates. After the age 65 rates do start to rise again though and those over age 70 may have difficulty looking for an insurance company to accept them as a new policyholder since accidents for this age group tend to go up.

There are car insurance companies though that give senior driver discounts for drivers of a certain age with clean history or discounts to seniors who attend an approved driving course.

Reader’s Question:

What is the difference between car insurance premiums and car insurance rates ?

Monica

Hartford, CT

The terms premiums and rates are virtually interchangeable.

A meaning of “rate” is a fix amount of premium to be charged per unit of insurance. Some agents use car insurance rate to refer to the amount you will be charged and premium as the amount you have agreed or paid. For instance, they will say this is your “insurance rate” and when you pay that is your “insurance premium.’

The meaning of “premium” is consideration paid for a contract of auto insurance. Another meaning is the price of insurance an insured individual pays for a specified risk for a specified period of time.

Your insurance provider may speak of your rate or your premium or even your premium rate.

Either term is referring to the amount you will pay for your auto insurance coverage for the specified period time listed on your policy, normally a six or twelve month interval.

Reader’s Question:

I received a parking ticket in Kentucky and I want to know if this affect insurance rates?

Jim

Louisville, KY

A parking ticket may or may not affect your car insurance rates and this depends on how your specific insurance provider assigns points to such violations. There are insurance providers that will not raise rates because of a single parking ticket but if there are multiple ones or unpaid tickets that lead to a driver’s license suspension your insurance rates would likely be affected.

You should speak with your insurance carrier rating system with your insurance broker or you can contact your state’s insurance regulatory body and find out about your company’s insurance rates that are filed with them.

Reader’s Question:

I was driving my friend’s car and got into a minor accident. Will this increase my friend and my own insurance rates?

Leo

Joliet, IL

Insurance providers determine your rate by looking at different factors or risk factor for a motorist or a car.

Yes, your insurance rates will be affected by this minor accident; insurance providers use your driving record as a risk factor for calculating your insurance rates.

Yes, your friend’s insurance rates can be affected IF their insurance provider had to pay a claim for this accident; insurance companies use claims history (or claims paid) as a risk factor for determining car insurance rates.

If either rate is affected, you should shop for new car insurance. There are insurers that do not use these items as the risk factors. The only way to find these insurance companies is to shop for car insurance.

Reader’s Question:

My son was required to carry an sr22. what is an sr22 and why is it more expensive to have?

Holly

Thank you for asking Holly.

Certain states require sr22 form as proof of financial responsibility by the court or under state law for individuals convicted of a certain traffic infractions. The SR-22 form is filed by the insurance provider to show to the state that the individual who has this insurance policy has car liability insurance in active.

SR-22s guidelines varies in different state so your son will need to get information what the requirements are for in your state. The Department of Motor Vehicles may be able to assist you regarding this. An SR22 is a form that shows you have the necessary liability coverages that complies with the state laws.

Some people thinks the SR22 is more expensive than the previous insurance rate. Actually it is more because the amount of insurance policy they need is more than what they are used to carrying.

Goodluck!

MariCAR