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 Shauna : If you have two autos that carry full coverage, do you have to add your husband to the policy?

Response : You should, particularly if he has any access at all to the vehicles and/or drives them, even on an occasional basis.

The reason behind this is that you pay a premium for the drivers in your household. If you’re paying a premium for only yourself, and your husband uses the vehicles, you’re not allowing the insurance company to rate you correctly. This could be called misrepresentation, particularly if your carrier has asked you to give them information on all the drivers in your household.

But…if your husband has a good driving record, and is free of accidents, you probably won’t see much of a rate change, if any at all. If he has a bad record, you might want to consider having him made an excluded driver on your policy. That way, you’re square with the insurance company and your rates won’t reflect his record. But beware: An excluded driver means just that, and if he ever drives one of your vehicles and has an accident, there is absolutely no coverage. You can imagine what this can do to your finances if you’re not careful. You must declare all the members of the family who are living with you and have a driving license as per the insurance norms.

Check out for your low quotes and am sure that there will be no problem adding him along. You will in-fact lower your insurances and have the peace of mind. Compare auto insurance quote and review car insurance coverage.

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Stephen : Auto insurance is very expensive now, especially when I have lost my job. What would happen if one would not buy auto insurance.
Response : This year the Insurance Research Council reported that one in six drivers in the U.S. may be driving uninsured by 2010 due to a continuing economic downturn. . There are 3 compelling reasons to avoid the temptation of skipping your auto insurance coverage namely :
1. Driving without car insurance is a crime
Yes, it is a crime in all states to drive without car insurance coverage. No driver can be certain that he will avoid an accident. You might think you can get away without it, but you can’t be sure. On top of that, your odds of being in an accident with an uninsured driver are substantial.
2. Your auto insurance rates will increase when you reinstate your policy
Remember, most states have laws requiring you to show proof of insurance. Many states make it a practice to stop drivers unexpectedly just to inspect if the driver has proof of car insurance. And if you cannot furnish proof of auto insurance coverage, you will be required to mail in proof of insurance showing you were covered on the day you were inspected.
If you think car insurance coverage is expensive now, just try getting it after being caught without insurance. You’ll be in a new high risk category, and you’ll be expected to pay a lot even though you’re not a bad driver.
For those who choose to drive without insurance, they could lose any assets they own if they hit someone and get taken to court. Letting your coverage lapse can result in having to pay an initial 25% to 50% surcharge for a new policy. Because they consider such drivers irresponsible, Insurance companies charge more upon policy reinstatement.
3. You very well may incur stiff penalties.
Penalties for failing to maintain car insurance can range from a fine, to a suspended license, to jail time. If you get caught, your car or license plates could be impounded until you can pay the fine. Then, you have to pay another fee to reinstate your registration

It is better to go online and shop around for low auto insurance quote. Compare auto insurance quote online and you will find very low and car insurance quotes. Review car insurance quote and check out the quotes above. Grab your low auto insurance quote now.

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Dianara :What determines the price of my auto insurance policy?
Respionse : There are many factors that influence the price you pay for auto insurance. The average American driver spends about $850 a year. Your premium may be higher or lower, depending on the following :
1.Your driving record:The better your record, the lower your premium. If you’ve had accidents or serious traffic violations, you will pay more than if you have a clean driving record. You may also pay more if you haven’t been insured for a number of years or are a new driver.
2. Mileage of use :The more miles you drive, the more chance for accidents. If you drive a lower than average number of miles per year, less than 10,000, you will pay less. For instance, some companies will give discounts to policyholders who carpool.
3. Geographical area :-Where you live. : Insurance companies look at local trends, such as the number of accidents, car thefts and lawsuits, as well as the cost of medical care and car repair.
4.Your age:In general, mature drivers have fewer accidents than less experienced drivers, particularly teenagers. So insurers generally charge more if teenagers or young people below age 25 drive your car.
5.The car :The car you drive decides your insurance rate.Some cars cost more to insure than others. Variables include the likelihood of theft, the cost of the car, the cost of repairs, and the overall safety record of the car.
6.The amount of coverage.Of course, like anything else, the more coverage you have, the more you pay. However, you may qualify for discounts.
It is best to compare your car insurance rates and auto insurance online for free and see what the changes are. Friends this is a dynamic market and so it pays to compare auto insurance quotes – 411.

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