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

Auto Insurance Quotes Bethesda Maryland MD

Reader’s Question:

I would like to know if insurance providers in Bethesda, Maryland are able to see and use a red light camera tickets as a factor in car insurance quotes?

Adams

Bethesda, MD

An insurance provider in Bethesda, Maryland will be able to see the conviction of red light camera ticket if they are on your MD motor vehicle record (MVR) but they should not use either as a factor in determining your car insurance rate quote or your auto insurance premiums.

The state of Maryland does have red light cameras that permit for photos to be taken of those entering an intersection after the light has turned red and therefore sends them a citation. The Maryland District Courts site states that payment of the penalty for this type of offense does not result in Maryland points being assessed to your driving history and cannot be used to raise your car insurance rates. Basically, it is handled as a parking ticket.

 

Tags: auto insurance, Car Insurance Company, quote

Maryland SR-22

Q: What sort of car should I buy if I want to save money on my Maryland SR-22 policy?

A: Well, I hope you aren’t attached to new, flashy, and expensive cars, because those three types are likely to send your rates going crazy if you decide to get a car in those categories. First off, any car you should insure with your Maryland SR-22 policy shouldn’t be brand new. Brand new cars cost more, and the older they are, the more you save. I had a 2007 car from June to December, and now from January to June my overall premium is going to be $120 cheaper than the last six months because my car is no longer brand new. If you get a certified pre owned car, it’s just like getting a new car, but cheaper to own and insure.

You also need to avoid getting big trucks or SUVs on your Maryland SR-22 policy, because these cause a lot of damage and so you will have to pay high rates on your liability insurance. The same logic goes for small cars, but for the opposite reason, because they can be easily damaged. You might have to sacrifice a little fuel economy for strength.

In the end, though, just get some quotes before you go to the lot on the cars you think you may want.

Non owner Maryland SR22

Q: Can you explain non owner Maryland SR22 insurance to me?

A: Non owner Maryland SR22 insurance is an alternative type of policy for those who do not have a car in their name. Most car insurance policies are pegged to the vehicle, and a non owner policy changes this up by not being attached to any particular car, but to the insured driver instead. So, if you have a non owner Maryland SR22 policy and you drive a friend’s car, then their insurance will cover you first, but if it isnt enough, then your own will kick in after that.

Non owner Maryland SR22 policies aren’t cheap. Because no car is involved, insurance companies can’t use safety features or anything else in the rating, so you will often get a convertible rate even if you’re most often driving a Honda Civic.

You still can save money on your non owner Maryland SR22, although there are fewer options open to you. Look into student discounts, discounts based on employment and degrees, and group discounts to make up for the car related discounts which are off limits to you.