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Question by filaaa: do I need car insurance once I get my driver’s license?
Can I just get my driver’s license and not drive the vehicle? Because I know if you drive a car you need insurance, but what if I just have my license and am not driving anything? Also, I heard about this “family policy” that if I’m driving a parent’s car with my driver’s license I’m covered under THEIR insurance? I am not talking about a learner’s permit, I’m talking about an actual driver’s license. I can get my license on December 4th. Thanks for your answers!

Best answer:

Answer by UCANTCME
IF YOU LIVE AT HOME WITH YOUR PARENTS THEY WILL NEED TO INFORM THE INSURANCE COMPANY THAT YOU NOW HAVE A DRIVERS LICENSE AND YOU CAN DRIVE THIER VEHICLE BUT THEIR RATES WILL INCREASE NOW THAT YOU HAVE A LICENSE.

Know better? Leave your own answer in the comments!

Do Your Homework Before Working With Car Insurance Brokers

Buying insurance for your automobile can be a time consuming and tedious task. There are many insurance companies to survey and it can be difficult to compare pricing and features. To help make this job easier we have car insurance brokers. For many people, using car insurance brokers is the perfect solution. It saves both time and money. The job of information gathering is left to someone who has experience and expertise in the industry. The trouble is, using car insurance brokers can be a tricky proposition. How do you know if the car insurance brokers you find are reputable and can be trusted to look after your best interests?

Your first step in determining if the car insurance brokers you are interested in working with are the types of companies you want to leave this important decision to is to look at their pricing structure. Reputable car insurance brokers will not ask you for a fee up front. Instead, they will take a commission on the fees you pay. Reputable car insurance brokers will also not request that you pay them via wire transfer or similar methods that can be manipulated. You certainly want to visit the offices of the car insurance brokers you are interested to confirm that they have a physical office. While you are there, ask to see the broker’s certifications. If you would prefer, you can consult the licensing agency in your area. You may also want to check to see if your broker belongs to the key industry associations for your country or state. Once you have taken these steps you should have a good idea of any red flags that you should be aware of.

Remember, car insurance brokers make their money from commission on the fees you pay. This means that unscrupulous brokers can be tempted to try to sell you options you don’t need. You need to make sure you know what type of insurance you need and what features are best for you.

There are alternatives to using car insurance brokers that can save you time and money. Internet car insurance portals can function in much the same way but you will be acting as your own broker. You will not have the benefit of the broker’s experience and you will need to do a little more homework. Using these sites you are essentially cutting out the middle man (i.e. the broker) so you may be able to realize some cost savings.

Whether or not to take advantage of the services of car insurance brokers is a decision that only you can make. For many people using a broker is a great option. If you are more of a do it yourselfer and you are good with the computer then buying insurance on your own may be the better option. Either way, you need to do your homework in order to ensure that you are getting the best policy for you and paying the best price you can. Buying car insurance is an important transaction and it is well worth any time you invest

About – Cheapest Car Insurance Online

If you are looking for cheapest car insurance and more information or doing that little bit of extra research online before purchasing a cheapest car insurance policy, then you’re in the right place. While the web can be a time-saving tool in the search for the online cheapest car insurance quote, it is important to be aware of some of the pitfalls found in the world of online cheapest car insurance. Because generally cheap car insurance is for insuring safe drivers, therefore cheapest car insurance is for motorists with four years or more no claims discount. You should check the cheapest insurance group of a new car before you buys. Whatever your budget, car insurance is something you don’t want to waste extra your pennies on it. Keeping a car on the road can be an expensive business, so cheapest car insurance is one way of trimming the overall cost of motoring.

It is of critical important that you are aware of the factors that are considered by an insurance company before they extend insurance cover to your vehicle and determine the premium you are to pay.

The cheapest car insurance is offered to the people who fall in the lowest risk category. So, while deciding which insurance you must go for, it is important to know in which category you fall. This will enable you to understand why your next door neighbor gets to pay lower premium on the car of the same make from the same insurance company while the company takes hefty premiums from you.

Insurance

The lower the group, the cheaper your car insurance quotes. When shopping for cheapest car insurance there is a danger of being dazzled by the array of discounts on offer. If you have a claim-free driving history, you will be entitled to a no claims discount, which could result in a cheapest car insurance quote. Cheapest car insurance is available online, but again motorists need to beware of attention-grabbing headlines and prices that mask inadequate protection in car insurance policy. There are so may car insurance companies online that provides cheapest car insurance with a range of benefits including discounts and fast approval on valid claims.

This might leave you puzzled, but actually it is very simple. It is not just the make of the car that is considered but there are several other factors that are carefully analyzed before your premiums are determined.

Conclusion For Cheapest Car Insurance

Therefore it is advisable to search maximum car insurance companies online for cheapest car insurance.

Do not tempted by high claims and enticing offers but instead go in details of terms and conditions.

Do remember to mention your past no claims or good track record because that you will entitle you for cheapest car insurance.

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Michael A. Schafer is an attorney who concentrates his law practice in personal injury litigation. His office is in Louisville, Kentucky. Mike graduated from the University Of Louisville School Of Law in 1985. He was an assistant Commonwealth s Attorney in Louisville for three years. He then spent two years working for an insurance defense firm. He opened his own practice in 1990. Mike now represents people who have been injured in automobile accidents. He helps them through the maze

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