Car Insurance Rates Bridgeport, Connecticut CT
Reader’s Question:
If a 19 year old driver with a good driving record receives a speeding ticket and the law enforcement officer did not take any insurance information will the car insurance rates rise for the driver? I live in Bridgeport, Connecticut.
Richard
Bridgeport, CT
Yes, it is possible for this speeding ticket to increase the driver’s car insurance rates. The police officer that stops a driver, and writes up the citation for traffic violations such as speeding, is not directly reporting the violation to your insurance provider. When a law enforcement officer requests insurance information it is to be sure the car or the driver that is properly insured.
Insurance providers typically finds out about their policyholder’s traffic violation once you pay the fine and plead guilty .After this is done in many states the violation is then put on your driving record by the courts forwarding the information to the DMV. Your insurance carrier then in Bridgeport, Connecticut finds out when they next pull your MVR from the DMV.
Tags: car insurance rate, teen insurance
Young Driver Insurance Coon Rapids Minnesota MN
Reader’s Question:
I am eighteen years old and just got a speeding ticket in Coon Rapids, Minnesota. This is my 1st speeding ticket and I would like to know if my insurance rates will go up for sure? Is there something I can do so that they do not go up?
Jerry
Coon Rapids, MN
When you are convicted of a speeding ticket in Coon Rapids, Minnesota you will be fined and the offense will go on your Minnesota driving record. If you are charged with recurring or serious violations of the Minnesota law, the Minnesota Department of Public Safety may take away your drivers license or restrict where, when and what type of car you can drive.
Since this was your 1st ticket, your car insurance rates may not change however if you have a safe driver discount it might be removed. Insurance providers vary on their rating system but most consider the seriousness of your offenses and assess rate changes accordingly. To verify what type of rating system your insurance carrier uses, contact your current insurance broker.
You might also consider taking a Driver Improvement Clinic or traffic school to help take the ticket off of your driving record or improve your car insurance rates if they increase. The Minnesota DPS office should be able to assist you on this matter.
Tags: auto insurance, Beginner car insurance, teen insurance, Young driver car insurance
Young Driver Flora Illinois IL
Reader’s Question:
I’m seventeen years old, getting my GED and I want to obtain my driver’s license while I’m seventeen instead of waiting till I’m eighteen. Can I do that?. I live in Flora, IL.
Bryan
Flora, IL
In Illinois you cannot get a full driver’s license until you are eighteen due to the graduated licensing system in place. You can begin the initial licensing phase at age seventeen though. This initial licensing phase has certain restrictions such as:
- Parental consent to acquire license and a parent must verify that a minimum twenty five hours of behind the wheel practice have taken place.
- All occupants under the age of eighteen must wear seat belts.
- Limited to 1 passenger under the age of twenty for the first six months or until the driver reaches age eighteen. Siblings, step-siblings, children and step-children of the motorist are exempt.
- Legal blood alcohols content (BAC) limit is .00
If you need more information on the Illinois licensing system you can contact your local Driver Services agency in Flora, IL.
Tags: New Driver Insurance, teen, Young driver car insurance
Young Driver Insurance East Orange New Jersey NJ
Reader’s Question:
My daughter is 18 and no longer living with us, he lives in East Orange, New Jersey. She is driving her car without insurance. If she gets into an accident, are we going to be responsible?
Maria
East Orange, NJ
At 18 years old your daughter should now be considered an adult and no longer a minor. Since she has moved out of your household and lives in East Orange, New Jersey in most cases she would be responsible if she gets into an accident.
This is unless the vehicle she is driving without insurance is a car that you own. If your name is on this vehicle then if he was in an accident and could not pay for the damages he cause on another person or property you could be held responsible for this. You would be vicariously liable since as the owner of the vehicle you are responsible for those who drive your car.
Speak to your daughter about the penalties for driving without insurance, which can include, depending on what state you are in, the car being impounded, license suspended, license plates revoked, and fines to name a few.
Tags: auto insurance, car, driving without insurance, Young driver car insurance
16 Year Old Teen Auto Insurance Quote in Colorado
Reader’s Question:
My 16 year old daughter is purchasing a vehicle from a private seller in Colorado. The seller said she has heard that it is illegal to sell to a teenager. Is this true?
Helen
Arvada, CO
Your 16-year-old daughter should be able to buy a car Colorado. But, a parent or legal guardian will probably have to co-own the car until she turns 18-years-old. Until she turns 18, she is a minor. Minors are not permitted to enter a legally binding contract on their own. After your daughter turns 18, she will be able to buy any car on her own. If she buys the car, she has a regular driver’s license, and needs car insurance, depending the state which she resides.
Your daughter may be able to enter her zip code, hit the ‘new quote’ button, so she can obtain a car insurance quote. Also, she will also be able to buy her policy immediately too online!!!
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