Question by Irv S: How does auto insurance work when you “loan” your car to another?
I have been thinking of “loaning” my car (which I own) to my 87 year old father. I would then lease a vehicle for myself. Then at the end of the lease period (let’s say 3 years) if he is no longer driving, the car returns to me. Can he purchase auto insurance on himself and the car or does it fall upon me and my policy? My father has an excellent driving record and so do I.

Best answer:

Answer by snorzle
He would need to get his own insurance for the car, or to be added onto your policy as a driver.

Either one would work, but it might be cheaper (and easier) to add him to your existing policy.

Your coverage (in most cases) would not pay for any damage done to or done by the car while Dad is driving.

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Question by Tara H: What are some discounts that many auto insurance companies offer that might help save some money?
10pts to best answer. Question about auto insurance policies?

I just earned my drivers liscence. My father is dreading the cost of adding another driver to the family auto insurance policy. What are some discounts that many insurance companies offer that might help save my dad some money when the premium is due?

Best answer:

Answer by Amy E
good grades
some offer programs you can do to become a good driver..that gives a discount.
Don’t be put as the primary driver on the newest vehicle..

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Question by Choklitte Razberri: What is the cheapest auto insurance for a 19 year old female?
I am soon going to buy a used Toyota Corolla and I live in North Carolina. I am just starting to get my driver’s license and I was wondering what auto insurance is cheaper? Would it be cheaper if I was on my parents auto insurance?

Best answer:

Answer by REV B
Allstate, in your parents name.

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Question by Kurt: How to get auto insurance from a state that your college is in rather than your resident state?
I live in New Jersey where the auto insurance is relatively expensive. However, I go to college in South Carolina where the auto insurance is a lot cheaper than in New Jersey. How can I get the cheaper South Carolina auto insurance? Do I need a South Carolina driver’s license to do this? Should I buy a car from a South Carolina dealership?

Best answer:

Answer by David
You can’t legally–you have to register and insure the car in your state of legal residence, in this case NJ. However, call your agent and check into a “college” rate–many companies give a discount if you’re at school over a certain distance from home. That may help.

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Question by Average American 1124: How are forced health insurance and auto insurance the same?
Many on here say that forced health insurance i sthe same as auto insurance, but how is that?

I do not need auto insurance if I do not own a car. I make that choice whether to drive or not. I do not get fined if I don’t have a car for not having auto insurance.

So in what way are these in any way the same?

Best answer:

Answer by Skeet Jr.
If you don’t want to pay for car insurance, opt out of driving.

If you don’t want to pay for health insurance, opt out of…..life?

Call me crazy, but I’m not so sure that biking to work and suicide are the same…..

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Question by CogitoErgoCogitoSum: How is auto insurance (a contracted business service within a capitalist economy) legally enforceable?
How can a government, who supposedly stays as far out of a capitalist economy as possible, enforce that you purchase auto insurance? Isnt that a consumers right to buy or not buy?

One could argue that the privilege to drive at all is granted by the government, and you should abide by their requirements. But by that logic, wouldnt having insurance first be a prerequisite before you could get licensed?

Best answer:

Answer by Schmoolie
No, your logic is flawed. In this country we insure cars, not drivers. It is not driving that is illegal but driving a car which is not insured. I agree with a point you suggest however, in that I think we should insure drivers, not cars. Thus the government could colect a fee fro every driver and enforce a minimum insurance police on every driver then leave it to drivers to obtain more insurance if they want.

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Question by : How does auto insurance work in this situation?
I currently have two cars, a Toyoya and a Galant. My auto insurance will be renewed starting Feburary 1st which is in in about 2 days. I really think I will sell both cars w/in the next few wks(Toyota has high mileage and the Galant uses alot of gas) for a more fuel efficient car like a Honda. Is it possible to change automobiles in the middle of a coverage period? I’m not sure how it works. This is my 1st time with my own insurance. Thanks for the clarification!

Best answer:

Answer by MegaCabLongBed Guy
It depends on what company you’re with, but you SHOULD just be able to swap one car for another.The rate will probably be a little different, but the policy number should remain the same. They’ll also have to send you an updated liability card to reflect the change in vehicles.

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Question by : How to be auto insurance agent that sells more than 1 brand of auto insurance product?
I am interested in becoming an auto insurance agent. I want to do this part time, but I don’t know how to get started? I can go to school to get the degree to sell insurance, but how do you get the connections to sell the various types of insurance ?

Best answer:

Answer by medbillsassist
check with your state department of insurance

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Try this site where you can compare quotes from different companies: www.usainsurancequotes.net How much would car insurance cost for a 17 year old boy for a Ford Focus RS 2003? I am the boy racer type of a boy. I have the cash to buy a ford focus rs on an 03 registration plate. i was wondering how much car insurance would cost for it? i wish to learn to drive in the car. Ford Focus RS is obviously a very fast car having been used for WRC. It is my favourite car, i can afford it but it would be a massive let down if i couldnt afford insurance on it? please help. any answers are greatly appreciated. thanks “Cost will be based on your risk factor, found by looking at you age and gender, which we know, your location, driving record and a multitude of other factors which we don t. However, at age 17 your least costly option will be being added as an additional driver on your parents policy, and when they make the call they can tell you an exact amount.”
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