Reader’s Question:

I have my teenager listed on my own car insurance policy in Phoenix, Arizona. He reared a brand new mustang and we had to make claims from our insurer. Will my car insurance premium go up upon renewal if my policy should expire?

Tom

Phoenix, AZ

That is one big crash to your bank account if you didn’t have car insurance policy in Phoenix. Your insurer must be in a bad shape after paying for the damages on that mustang! For most insurers, accident rate of listed drivers will definitely affect car insurance premiums. In fact, being accident prone and high probability of road accidents for teenage drivers is reason enough for your premiums to get raised by your car insurer in Arizona.

You might experience irreversible results for now on your car insurance premium’s possible increased rates because of that accident. However, you can always ask the insurance regulating agency in Phoenix, AZ to check if you are not overcharged if any increase happens. Your insurer in Phoenix will be more than happy to explain to you their rating system.

A good way too for you to check if your rates are reasonable is to shop around for free quotes online. You can get good quotes from around Arizona through this website and I think it is wise for you to do that. Once you submit your zip code, you will be given a comparison chart for local insurers in your area who can give you some free quotes. Once you have those quotes, simply compare that to the probable new rate you might be charged by your present insurer and see if you are not charged too high.

I hope your car insurance rate would not increase as much!

Tags: auto insurance online, autos, insurance discounts

Reader’s Question:

I recently received a ticket in Glendale AZ but I am from the state of Washington. I know that the two states are part of the DLC, but I was just wondering, when AZ reports the violation back to my Washington state will they assess points or place an out of state infraction on my driving record?

Mark

Glendale, AZ

You are correct that both Washington State and Arizona are members of the Drivers License Compact (DLC) therefore if you are convicted of the ticket you received in Arizona then their courts will forward the information to the Washington Department of Licensing (DOL) regarding your traffic violation conviction.

Since your Glendale AZ ticket should be placed on your Washington driving record than your insurance provider will see them the next time they pull your MVR.

As for points, I think the Washington State does not have DMV points system attached to moving violations so points would not be assigned for an AZ traffic ticket. Although the state does not have a point system for penalizing repeat violators among its drivers, the WA DOL does outline the repercussions of multiple moving tickets or other violations. You can obtain information on how many traffic violations you can get before being deemed a habitual traffic violator (HTO) by contacting the WA DOL.

Tags: car insurance

Reader’s Question:

I have an auto insurance policy in Mesa, Arizona which is about to expire. I am thinking of buying a new policy from another company because I think I am paying so much for my insurance policies, especially for my auto insurance. Is there anything that I can do to have cheap auto insurance policy?

Kathy

Mesa,AZ

Hello there, Kathy.

Of course, you never run out of options in Mesa, Arizona for you auto insurance savings. There is always something that you can do to save on auto insurance. If you intend to purchase any insurance policy, you better practice shopping around before you buy. This is because insurance rates will vary from one company to another. You can check on cost before you buy a car since the type of car you own will impact how much you pay for car insurance.

I hope you select higher deductibles since your auto insurance rate is affected by the amount of the deductible you select. Say for example, your collision and comprehensive deductibles from $100 to $500 can produce savings.

You can ask your agent or insurance company if they offer any special discounts. For example, there are usually discounts available to young drivers who are good students or who have finished a driver’s education course. There is also something called multi-line discounts which some insurance companies will give to policy holders. Try to review your policy if you have some duplication such as an overlap in coverage like medical, collision, or uninsured motorist property damage. You can try to uncover all discounts which you might be eligible.

If you want, you can start shopping online to compare rates and benefits from various auto insurance companies which have websites. You do so by typing your zip code on the relevant space found in this page and get some free quotes.

Reader’s Question:

I’ve just recently been in an accident and I would like to know How will the insurance company in Arizona issue the check to repair my vehicle?

Terrence

Gilbert, AZ

The answer depends on whether or not you are in a first-party or third-party claim situation in Arizona.

In a first-party situation, when the claim is being paid by your insurance company, the check will likely be made out to you and the repair shop.

In a third-party situation, when the claim is being paid by the other motorist’s insurance company, it’s likely that the check will be made payable to you alone.

I would suggest that you contact your insurance company in Arizona to get more information on how they will issue the check when you get your car repaired because of the accident.