Commercial Car Insurance Policy in California
Reader’s Question:
My sister and I have put up a travel agency here in California. I sometimes use my car to drive around clients. If I get into an accident with my clients onboard, will my car insurance pay for the damages?
Shelly
San Diego, CA
Since you are obviously using your car to transport passengers that pay you with a certain fee, then your car is considered to be used for business purposes. Whether this transporting of clients is done occasionally or on a daily basis, your car can be under the category of livery use. It means that the car is used to transport or carry passengers in exchange for a fee. It can also mean using the car to deliver packages like pizza or newspapers in exchange for a payment or tip. This type of vehicle use is definitely excluded from your personal passenger car insurance policy. In your case, you will have to purchase a commercial car insurance policy. Although it may cost more than your regular car insurance coverage, it will be a very sound business investment. You would not want to end up in a road accident with injured clients and no financial assistance for necessary medical care, would you?
Talk to a local car insurance agent in California about this matter. You can also check the websites of car insurance companies licensed to do business in California and do some comparison shopping. This way you know all your options and have a higher chance of getting competitive rates.
Auto Insurance Coverage and Discounts for Teenagers Arkansas AR
Reader’s Question:
My teenage son is under my auto insurance policy because he doesn’t have his own car. Listing him under my policy made my premiums double. What is the best way to insure him here in Arkansas but still save on my auto insurance rates?
Laura
Springdale, AR
Removing your son’s name from your policy will dramatically lower your car insurance premiums. In order to keep him insured you will need to buy him his own policy. But since he does not own a car, then this would be impossible to do unless his name is included on the title on one of your cars.
Another obstacle that may arise is if your son is below eighteen years of age. If he is a minor, then he may not be permitted to have an auto insurance policy of his own. Also, if you buy a separate policy for your son, it will definitely cost more than what you are paying now.
Since you want to make sure that he is adequately insured but is looking at lowering your current rates, why not maximize the discounts for which he is eligible for? Let your son take a defensive driving course in Arkansas. Most insurers give discounts to teenage drivers who have successfully completed the course. Having good grades in school can also be a factor to qualify for discounts. And since you live in a city in Arkansas where the vehicle density is not that high compared to others, you may qualify for a discount, too.
Call your local agent. Most auto insurance companies do not advertise their promos. Do not hesitate to inquire about discounts since you are entitled to receive these if you are qualified.
Tags: auto insurance policy, auto insurance premium, Car insurance discounts, car insurance rate, teen insurance
Cheap Teen Car Insurance Illinois IL
Reader’s Question:
My mom promised me that she’s going to buy me my own car soon. But I worry because when I checked out the prices of teen car insurance, they do not come quite cheap here in Illinois. What should I do?
Samantha
Decatur, IL
Well, the first thing you should do is not panic. You should not let the prices of teen car insurance spoil the excitement that you are feeling right now towards the prospect of you having your own car. Although it is true that prices of teen car insurance are quite expensive, it does not mean that you should really be paying for its whole cost. You see, finding cheap teen car insurance there in Illinois also means that you should be aware of the ways on how you could reduce what you are going to pay for. It is not just finding the greatest deal, but also being wise and strategic in order for you to cut costs.
So, here are some useful tips you can follow to find the greatest teen car insurance deal possible:
First, you should try shopping around and asking for instant quotes from different car insurance companies there in Illinois. You could contact these car insurance companies with the help of the yellow page, or you could also require the services of an independent car insurance agent. There is also the Internet to give you some quick and reliable information on the prices of teen car insurance. Just be very careful and choose those companies that are accredited by your state’s Department of Insurance.
When you do contact them, ask them if there are certain things you could do to make you eligible for some of their discounts.
Just to inform you, different companies offer various discounts for different reasons. Some of the discounts they give are: multiple driver discounts, multiple vehicle discounts, multiple policy discounts, student discounts, military discounts, female driver discounts, senior citizen discounts, etcetera. Make sure that you take advantage of these discounts.
I sincerely hope that the information I gave you prove to be useful.
Tags: affordable car insurance, Car insurance discounts, car insurance quotes, teen insurance
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