Reader’s Question:

I am a female single and I manage my own business in my home here in Washington DC . My business requires my inclination to delivery services and I am currently using my automobile for it. What should I need to consider when I get my automobile insured?

Kathy

Washington, DC

Because you are using your car for your home-based business in Washington , DC I strongly encourage you to insure your car to protect your investments. In your case, I believe you need to deal with two related concerns when you get an automobile insurance policy. First is that you are a female and second, that your car is used for a home-based business. These two things will be great factors for insurance providers when they give you policy premiums. There are several insurers that have experienced huge claim payouts from their male policyholders. Male drivers are more prone to car accidents than female drivers. Because of this, these insurers give higher automobile insurance premiums in different coverage to male drivers than female ones. However, this is not the case in some insurers; it will be helpful if you shop for insurance quotes because insurers vary from their experiences in claim payouts. Some insurers may give higher premiums to females.

The latter concern I mentioned above will require you choose if you will get a commercial or personal automobile insurance coverage. Since you use your automobile for delivery services, I suggest that you get commercial automobile insurance policy so that your business assets will be covered when your automobile becomes involved in roadway accidents.

Tags: auto insurance

Reader’s Question:

My husband and I are residents of Washington, DC and are very concerned in insuring our three cars. But we are having difficulty in looking for a cheap insurance policy. Now that increasing insurance rates are at stake, how can we find cheap vehicle insurance?

Abbie

Washington, DC

Indeed, vehicle insurance rates are increasing recently even there in Washington, DC . To deal with this, I can suggest two strategies to address your concern. First, look for vehicle insurance quotes. Try to surf different insurance websites and ask for your friends’ proposals. Then, get three or more quotes so that you can have options to choose from. Bear in mind that it is still better to consider not only the amount that you are going to pay for the premium; make sure that the insurance coverage you choose truly covers what you need or want to be insured. Moreover, some insurers also offer discounts to cars having the lower chances for injury or theft.

Second, decide which among the parts of the coverage you least needed and drop it. Usually, I suggest dropping the collision deductible to cut your premium bill to about 15 percent. However, ensure that if you will be involved in a roadway accident you can pay for the damages.

Finally, the moment you subscribe to a vehicle insurance policy be cautious in driving so that you can maintain a clean driving record. Take note that clean driving record helps a policyholder to pay almost similar premium rate upon renewal or change of insurance policy.

Tags: car insurance discounts

Reader’s Question:

I have an old car here in Washington, DC and I still pay collision coverage for it. Would it be wise if I just drop it and what other things can I do to save on my auto insurance?

Nigel

Washington, DC

Your collision auto insurance coverage would be used to pay for the repair of your car in an accident that you cause. Your old car will be considered “totalled” if the repair costs would exceed a certain threshold of its value, such as 70%. At that point, the auto insurance provider would tow away your vehicle and offer you the total cash value of your old car. It might not make financial sense to pay for the premium rates for so many years to maintain collision coverage for an old car. In other words, you may opt to drop the collision coverage for you to save on your auto insurance in Washington, DC.

The other thing that you could do to save on your auto insurance is to take advantage of discount for low-mileage. Some auto insurance providers offer discounts to motorists who put less than a certain number of miles on their car every year. You could also be offered discounts for airbags and other safety features and also ask about discounts on antilock brake.

Tags: auto insurance, car insurance discounts, collision coverage

Reader’s Question:

Will it affect my car insurance rates here in Washington, DC if I modify my car? Will car insurance companies look at it the same way?

Terrance

Washington, DC

For American people, driving a car is more than just a requirement, it can actually be considered as a way of life. A lot of people even appreciate and are fond of their automobiles for so many reasons of their own. Some people like to drive vehicles that make a strong mark on the public, while some simply enjoy the pleasure of performance. In some cases, the charm of an automobile goes beyond the automobile itself and falls in line with having it as a personal experience. Some people are even pleased to make their automobiles as fashion statements.

But owning and driving any kind of vehicle means having the proper type of insurance coverage and if an individual modifies an automobile, they are changing the primary structure and style of the vehicle intended by the manufacturer. This is one thing that would have an effect on the way the vehicle operates on the roads, no matter if the performance changes. You may check with your current car insurance provider in Washington, DC and see how their regulations govern things like modifying the vehicle. Not all car insurance companies look at it the same way because policies and rates vary between competing companies.

Tags: car, car insurance company, car insurance rate

Reader’s Question:

I need to save as much as I can on several things especially on my auto insurance. What do I need to do to be able to find the cheapest auto insurance here in Washington, DC?

Josh

Washington, DC

In terms of purchasing auto insurance, a lot of vehicle owners would like to have the process as quickly as possible. Therefore, they most likely purchase the first car insurance they see that appears to be affordable, regardless of whether they are getting the best deal or not. Not every auto insurance companies are the same. You would be surprised how much amount you could save if you spend only a little more of your time looking around. There are some things that you need to do to get the cheapest auto insurance in Washington, DC and at the same time, provide all the coverage you need.

The most apparent way to find the cheapest auto insurance is to get in touch with as many insurance companies before you decide the one you will purchase. This process would be easier of you have a list of questions to ask and always ask the same questions to each insurance company you call. You need to decide what type of coverage you need and ask what types of plans the insurance company could offer to suit your needs, and then inquire for insurance quotes. If you are getting confused, you could write down all the answers you get then compare them.

Tags: auto insurance, cheap auto insurance

Reader’s Question:

In buying a comprehensive auto insurance here in Washington, DC, do you think I’d settle for high deductible to save some money on my monthly rates?

Pat

Washington, DC

The regular auto insurance policy consists of coverage for accidents that happen while the vehicle is moving and for any kind of theft. Comprehensive insurance covers almost any type of accidents you could think of that will damage the vehicle. From high winds and blizzards to vandalism and theft, you could collect on the claim even you couldn’t exactly identify the culprit.

However, do not make the same mistake that a lot of people do when paying for comprehensive coverage. These people discovered too late, much to their sorrow, that purchasing a lower rates comprehensive insurance with high deductible only saved them some amount every time the premiums came due. They did not consider what they will do or how they will come up with the cost to totally repair the vehicle if something happens to it because of somebody breaking into it, or because of any natural disaster. Spending just a little more on your comprehensive insurance in Washington, DC every month and lowering the deductible could well be in your best interest because no one can ever predict what will happen.

Tags: auto insurance, auto insurance rate, cheap auto insurance, comprehensive insurance coverage

Reader’s Question:

My brother is in the military and I was told that he can have some kind of a discount for his car insurance here in Washington, DC. What happens to his car insurance if he goes overseas for a while to serve in the military?

Judy

Washington, DC

Since your brother is currently serving the country in the military, he could be eligible for a discount on his car insurance in Washington, DC. But this will ultimately depend on the car insurance company who gives or would give him coverage. He can speak with an insurance agent to find out for sure if his current car insurance provider or potential provider offers discounts for people in the military. A lot of car insurance companies would offer discounts to a person who is a military personnel, active or retired.

There are some car insurance providers who would allow your brother to drop all of the coverage he has and just keep the comprehensive if he would have to go abroad with the military and he will be storing his car, which means that no one will use it while he’s gone. Also, if he would be based to a country where the government gives him hostile fire pay, a car insurance provider would discount the amount he should pay for his comprehensive policy by as much as 25% so long as it remains in storage.

Tags: car insurance, car insurance policy, military car insurance

Reader’s Question:

My friend was driving my vehicle here in Washington, DC when we were pulled over and he was charged with DWI. Will my insurance rates increase since it is my vehicle and will it be reported to my insurance provider?

Caroline

Washington, DC

Normally, if a ticket is written to a motorist only and not against the automobile, then it would be the driver’s record that will be affected. If this would be the case and your friend got the ticket for DWI in Washington, DC in his name, then it will generally be his license and insurance premiums that will be affected by his DWI charge. It will not have an effect on your insurance rates unless there was a crash or accident which you will be liable for even though you were not the one driving.

The District of Columbia has tough laws against driving while intoxicated. A court conviction of a DC DWI includes punishments or penalties such as jail time of up to 25 days, possible alcohol education and treatment program, fines between $300 and $10,000 and possible installation of ignition interlock device. If you and your friend are in need of an affordable and dependable auto insurance, then I’m sure you’ll find it here so get an online rate quote now from this website.

Tags: auto insurance, auto insurance quotes, drunk driving insurance, DWI