Vehicle Insurance Rate Bethesda, Maryland MD

Reader’s Question:

My boyfriend was driving my automobile yesterday and he was pulled over and was given several tickets; driving without a license, ticket for speeding and driving under the influence (DUI). I am worried, will this affect my car insurance rate in Bethesda, Maryland.

Jane

Bethesda, MD

In general, traffic tickets that your friends receive ( or those you allow to drive your car) while driving your automobile will not affect in any way affect your auto insurance rates. The traffic tickets for driving under the influence,driving without a license and speeding should all have been issued to your boyfriend, as the driver, and not the automobile, so basically it will show up on your boyfriend’s driving record and affect his own car insurance rate.

If your boyfriend had wrecked the vehicle while driving your automobile it would have affected your auto insurance in Bethesda, Maryland because it would most likely be your car insurance that would have to pay out on the car insurance claims resulting from an accident.

You may be able to get car insurance quote here if you want an affordable car insurance in Bethesda, Maryland.

 

Tags: auto insurance, car insurance, car insurance quotes, car insurance rate

Teen Automobile Insurance Baltimore, Maryland MD

Reader’s Question:

My 16 year old daughter caused an accident however our car insurance in Baltimore, Maryland was cancelled 2 days ago before the accident and I would like to know if we will still be covered?

Chelsea

Baltimore, MD

I am sorry to tell you this but neither you nor your daughter would be covered for the accident she caused your car insurance policy in Baltimore, Maryland was cancelled. Once the car insurance policy canceled, because of non-renewal, non-payment or other reasons,the coverages will not be extended to you.

If your daughter was cited for driving uninsured she will have to face the penalties the court places on her. The penalties vary and it depends upon state laws however the penalties may include things such as a registration and license suspension for the car, and fines.

Regarding the damages she may have caused to other people’s property, she as the driver and you as the vehicle owner will be held liable for personally paying for any repair cost. Your state’s insurance regulator may be able to inform you on your liability as a owner of uninsured car whose minor was in an at fault vehicle accident.

 

Tags: auto insurance, teen insurance, Young driver car insurance

Automobile Insurance Discount Towson Maryland MD

Reader’s Question:

My father was kind enough to give me his car. It is both under our name. Since I am now married, I would like to know what I have to do add this automobile that was given to me by my father to my husband’s car insurance policy in Towson Maryland?

Craig

Towson, MD

You may be able to add that vehicle to your husband’s car insurance policy through endorsement usually. You will need to inform your husband’s car insurance company about the car registration since you mentioned that it is under your name and your father’s. Most insurance providers may require you to take your father off from the car registration. Some insurance carriers in Towson Maryland may permit his name to be on the car registration and provide you some options. The insurance company will be able you if you can add your father to be an additional driver on your car insurance policy or exclude him from your auto insurance policy. Your car insurance carrier will give you an extra form to sign if you have decided to exclude him.

You may be also eligible to get multi car discount from your car insurance company in Towson Maryland if you add the vehicle that was given to you by your father to your husband’s car insurance policy. If your car insurance company does not offer this kind of discount, you can always shop around for various car insurance companies that do. You can start shopping online which is more convenient and easy. Type in your zip code on the space provided in this website. I have used it, its very helpful, aside from the fact that it is free!

 

Tags: auto insurance, Car insurance discounts, car insurance quotes, car insurance rate

College Student Auto Insurance Baltimore Maryland MD

Reader’s Question:

I am a 21 year old French student. I am going to school and work in Baltimore, Maryland for a year or 2 and want to purchase a vehicle for that period. I have a French and International drivers license and I would like to know on how to go about obtaining car insurance in Baltimore. Thank you for your help.

Reggie

Baltimore, MD

If you plan to live in Baltimore Maryland for awhile, and go to school, you need to check with the MD Motor Vehicle Administration on what to do to get a Maryland driver’s license.

If you are able to exchange your international drivers license for a US drivers license from Maryland it will be much easier to obtain car insurance so that you can purchase, register and title a vehicle to drive during the time period that you are here in the USA. With just an international driving permit (IDP) an insurance carrier might insure you however they typically will want you to obtain a state license within thirty days or so.

Your age might have some problems with some insurance carriers or might make your car insurance higher since you are under the age of twenty five. You can start getting car insurance quotes now in Baltimore Maryland so you can have an idea how much insurance you could expect to pay in Baltimore Maryland.

 

Tags: auto insurance, Student car insurance, teen insurance