j_l_t_1984 asked:


I am borrowing a “spare” car from my mother for about six months. Do I need to go through the process of transferring the title to my name, or can I just put insurance on it under my own policy and be “okay” legally? BTW, I live in Texas.

Maka asked:


I am 18 and have a minnimum paying job.. what would be the cheapest car insurance i can get? its a 86 honda accord.

maricella87 asked:


My boyfriend has a car that is in his name, and he is fully insured through the car. But, I need to drive it every once in a while and I don’t want to be screwed if I get in an accident. Will his insurance cover me while I drive his car, if he gives me permission to, or do I need to get non-owner’s insurance to cover my ***? If so, what is the best company I can go to, or is non-owner’s car insurance called something else?

Howcast asked:

Insure your car wisely with these insurance-buying tips.

whenwillthelambsstopscreaming asked:


My boyfriend (he’s 39 years-old) still uses his parents home address for his car insurance even though he has lived in the neighboring state for the past 12 years. He just recently was involved in an accident (not his fault) and he’s freaked out that the insurance company is going to find out. How would the insurance company go about investigating this to find out?

bossmac7 asked:


I have already contacted The Dept. Of Commerce & Insurance about the situation, but still no justice! The wreck was not my fault and they know that, yet they still will not cover the full balance of my D**M Car! I’ve been with them for 8yrs!

Ideally, you should start comparing insurance policies before your current policy expires. Once you have allowed a lapse in coverage, there may be additional difficulty getting new coverage at a fair price. Remember, insurers look at many factors to figure premium, and these include: age, gender, occupation, credit history and current insurance. A gap in coverage will raise questions that will need to be answered. Did you simply forget to pay a bill, or is there something more serious? Do you frequently allow insurance coverage to expire, and what is the length of the gaps? Longer gaps may indicate that you drive without insurance, which makes you a higher risk person.

If you can plan a change, there are some good times to change auto insurance providers which should net you a reduced premium. For instance, your rates will go down at age 25, so if your insurance is set to expire the month of, or after your birthday, start shopping with your new age in mind. If you know that you are about to move or change jobs, consider changing your insurance provider before hand. It might be harder to get insurance if your move was over a long distance; you will now be an un-established person in a new town, which equals higher rates. Your new occupation can change your rates as well, especially if you begin work in a high risk category, or if you will use your vehicle more than you did before.

But, if your driving record is spotless, you are 25 or older, there have been no major changes, and your rates have either stayed the same or gotten higher, than you might consider now the time to shop for a discount. Some companies will match a policy and its price if you tell them upfront that you are doing this. Smart research and some basic knowledge will assure that you are getting the best insurance coverage for the best price.



By: The Internet Car Guy

About the Author:

Auto insurance is one industry which always remains full of activity due to several various reasons. Most of the potential auto insurance buyers do not get correct and timely information about the suitable coverage they need, the extent of risk that must be covered by them, cost of coverages, claim processing, customer service, etc. For this very reason, the internet has provided a way to help consumers complete a car insurance comparison to ensure that they are receiving reliable protection from a reputable company at an affordable price. Individual’s need to also take the time to understand the limits which are required by their particular state in order to be properly protected and abide by the state’s laws. Like any other state, Michigan requires that each owner and driver of an automobile must carry the proper liability coverage and it must be maintained at all times while their vehicle is being operated.



Minimum Liability:

Michigan auto insurance laws require No-fault insurance and it is against state law to operate a car without no-fault insurance. The minimum limits of a satisfactory policy issued has three parts:



Minimum BI/PD coverage limits for the state of Michigan

Up to $20,000 for a person who is injured or killed in an accident. Up to $40,000 for more than one person are hurt or killed. Up to $10,000 for property damage.



These limits are often described as 20/40/10.

However, in case of legal proceedings, courts sometimes award more than these minimum limit amounts. In such case, the insured would be responsible for paying the amount not covered by the limit on the policy. To protect themselves against these situations, consumers should compare additional coverage in order to ensure that they have adequate protection. If within a person’s budget, they can choose higher limits to protect against incurring financial hardship in the event that they are involved in a collision in which they are found to be at fault and their policy’s payout has been exhausted.

Obtaining and comparing auto insurance quotes for higher amounts of liability may surprise many, as they may find that the difference of being covered more extensively may not be as expensive as they thought. Similarly, there are some optional insurance coverages one may wish to consider. These optional coverages are not mandatory but can prove to be quite beneficial. Such options include collision and comprehensive coverage, which unlike basic liability, will compensate the insured if they suffers a loss and not just the other party.

The advantage of utilizing the internet for the purpose of receiving prices for premiums is that within minutes, web surfers can receive multiple rates from a variety of insurers. This gives them the opportunity to compare not only prices but the companies as well. Although price is important, the integrity of an insurer should be considered as well. There are agencies that rate carriers that anyone can access to help determine who they would like to do business with. The internet also provides a way for potential customers to make a comparison of different types of coverage which may benefit them. Quotes can be provided to inquirers free of charge and with absolutely no obligation. The option to purchase is also made available so that customers can become insured instantly and receive instant proof of insurance.



By: Online Car Insurance

About the Author:

robert o asked:


I know you’re considered in a lower-risk age bracket so your car insurance will be less but how do insurance companies calculate this reduction?

Steve asked:


The difference in my car insurance quote from the bare minimum ($356.50) to second or third in each category ($1,422.90) is over a thousand dollars. This is for a 6-month quote.

I’m a very safe driver and have never been in an accident that is my fault. Someone rear-ended me once but there was only damage to his car.

Should I risk going with bare minimum coverage? What do other people out there do? What level of insurance do you guys have?