Reader’s Question:

If I purchase car insurance here in Texas, who can I include in the policy?

Jamie
Dallas, TX

Buying car insurance is one way of giving your family the security they need especially if you’re traveling. And having car insurance is a responsible way of protecting everyone in your family. With car insurance, you not only protect yourself but all the members of your family who are also drivers.

Remember that if you purchase car insurance, all those who can drive in your family will be included in the policy. After all, the insurance policy is directly connected to your car, so anyone who drives it with your permission will be covered. There are companies in Texas that offer car insurance policies that lets you list a number of drivers to be included in your policy.

You can put on that list everyone in your family who drives. Whether it’s your wife, your boyfriend or your roommate, they can be included in your policy provided that you inform your car insurance company about these inclusions. Just be sure you list even those who drive your car occasionally. To illustrate, if your roommate or boyfriend drives your car and they get into an accident, the car insurance company will pay for the damages provided that the driver of your car was listed on your policy.

Failing to do so might cause delay or even denial of your car insurance claims should that occasional driver get into an accident (while driving your car) without being listed as one of the drivers in your policy.

Discounts are also offered to those who have multiple cars or multiple drivers listed on their policy. But just to be sure, try getting free car insurance quotes online or call your local agent there in Texas.

Tags: auto insurance policy, car insurance, Car insurance discounts

Reader’s Question:

How much does college student automobile insurance here in Florida usually cost?

Brandon

Dallas, TX

The price of automobile insurance depends on a lot of factors. In the case of a college student, the factors that you have to consider are the driving record, the grades, the of the college student, etcetera.

If a certain college student is a first time driver, the prices for automobile insurance may first surprise you because they do not normally cost low. In fact, first time driver automobile insurance policy is one of the most expensive insurance policies available in the industry. First time drivers are considered high risk drivers, thus making their automobile insurance policies really expensive.

Another factor that automobile insurance companies take into account when determining the price of college student automobile insurance policy are the grades of the student. The grades of the college student highly affect the price of his or her automobile insurance premium because good grades are seen by automobile insurance providers as sign of how responsible he or she is on the road. Good grades reduce the price of automobile insurance premiums.

Now, you may be surprised that the sex of the college student are also considered by automobile insurance companies as a factor in determining how much you are going to pay for the college student automobile insurance. Would you believe that female drivers get more discounts than male drivers? This is because men are considered greater risk on the road compared to the women.

Just ask for instant quotes from automobile insurance companies there in Texas. Prices vary from company to company. Just do not forget to mention the details of the college student. Remember that you may get discounts because of some of these details.

Tags: Car insurance discounts, car insurance quotes, First time driver car insurance, Student car insurance, women car insurance

Reader’s Question:

Hi I’m Andre from Dallas, Texas. My mom has been pushing me to get collision insurance for my car. Personally, I’d rather not spend for more than I have to on something I may not use. Is he right to ask me to buy more insurance? Do I need this?

Andre

Dallas, TX

Hi Andre, I’m pretty sure your mom down in Sallas, Texas means well. I think to help you to decide, you will first need to understand what this type of automobile insurance is. We get insurance to protect ourselves, our family and the people around us. We also get insurance to protect our possessions that are of value to us. Now collision insurance, specifically covers our vehicle in cases of accidents that occur wherein the owner is found to be at fault. Meaning, if you bumped your own car either against another car or anything else, read: tree, fence, post, etc. In the event that this happens, your insurance will pay according to the fair market value of your car.

There will also be a deductible which is the share that will come from your personal stash to pay for the repairs. In case of a total wreck though, what the automobile insurance companies give may not always cover for the cost of replacing your car. You’re right, you don’t need to buy Collision Insurance as it is not a requirement by law. Although, if you bought your car through a dealership or used a loan to buy the car, these third parties may require you to get one. If this is still not the case, you may want to get this insurance if you have a relatively pricey vehicle that you may not be able to repair or replace on your own should something happen.

Tags: auto insurance, auto insurance premium, collision insurance coverage