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Will my car insurance rate If I add someone onto my car
insurance policy and that
person gets in an accident,
will my rate climb. If it does
can I remove that person from
my policy to keep my rate the
same.
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Yes, they will likely rise. Most companies will not allow you to delete someone from your policy if they are still living with you, unless they have their OWN car policy. A few will let you, but only if you "exclude" them from all coverage - pretty risky, as if they DO drive while excluded, the policy is void. If you want some more information, I would check out... http://www.safelinked.info/go. php?link=insurance Take care. |
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What affects your car More specifically - does the
number of years having your
license have anything to do
with your insurance rate? I
got my license a couple of
months ago and realized car
insurance for a 21 year old in
New York is WAAY too expensive
for my blood. I was hoping it
would go down next year? With
me being older and having the
license longer?
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Yes, the more years you go accidents free, the cheaper your insurance will become. It also pay to constantly keep an eye on the market for prices so you know you aren't overpaying |
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If you buy a car that's been I want to purchase this car. I
think it's a great price, but
the dealer told me it's been
in an accident and that
insurance paid for the
damages. Since it's on record
and if I were to buy it would
my car insurance rate be
affected??
this is what the dealer told
me about the accident and i
quote him
"The report reads primary
impact point of right door.
Not branded or salavaged
though. It was fixed through
the insurance co so it sounds
worse than it is."
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The fact that a car has been in a prior wreck has no bearing on you paying higher insurance premiums. That is basically saying that you would have to pay a higher health insurance premium than the other employees at your work because you broke your arm in the past and they haven't. Anyway the more important issue is to check to see what kind of accident it was in, what part of the car was affected. Just because the car is a good price doesn't mean it is a good deal. The car could cost you a lot more in the long run to fix reapairs, alignments, prematurely worn out parts associated from the accident. Look in to it a little more than insurance premiums. You may find that has acrued extensive damage that increases the risk for future problems. Hope this helps, and to reiterate no you insurance will not be more on a previously wrecked vehicle compared to a non wrecked. If someone tells you otherwise you need to contact you insurance company they will confirm what I told you. Thanks |
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