Auto Insurance Quote Boston, Massachusetts MA

Reader’s Question:

I’m from Boston, Massachusetts. Is it true that my gender or marital status can affect the price of automobile insurance premiums that are quoted to me? A friend said that most insurance companies will offer cheaper quotes to married people. Is this legal?

Candice

Boston, MA

Hi Candice. I used to live in Massachusetts as well although not in Boston. Sadly, it is a practice for some insurance companies to factor in a persons gender or marital status, or both when coming up with a quotation for an automobile insurance policy. Generally individuals that are single, divorced or widowed will be quoted a higher rate than that of a married person. They attribute this to actuarial studies that find that married people are more responsible than those that are single. Same goes for women being more responsible drivers than men. Of course, this is not always a fair assumption. As to the legality, there’s good news and bad news. Good news is, the state of Massachusetts prohibits automotive insurers from using a persons civil status in pricing for car insurance. This would not apply to you. Sadly, the same cannot be said for the other states in the US.

Please note though that not all insurance companies put this into practice. If you plan on moving anytime soon, the best way to get a fair insurance policy would be to shop around and compare prices amongst different insurance companies. I suggest you snoop around online and see where you can get the best value for your money.

 

Tags: Gay Friendly Insurance

Collision Coverage Car Insurance Lincoln, Nebraska NE

Reader’s Question:

I got involved in an accident and it was my fault. I have collision and comprehensive coverage in my policy in Lincoln Nebraska. I am wondering if my car insurance company will cover the damages if I was at fault.

Phil

Lincoln, NE

You may be able to place a car insurance claim with your car insurance company to repair the damages to your car due to an accident. For your vehicle to be covered and to be able to make the claim, you will need physical damage coverage of collision coverage since you said that you have collision coverage on your car insurance policy.

the physical damage of collision coaverage covers your vehicle when vehicle is hit by another vehicle or object. This pays to repair your vehicle less the deductible you chose when you started your car insurance.

If you want to make a car insurance claim to repair your car, you may call your car insurance company in Lincoln Nebraska if you could make a claim under your collision coverage. After you place a claim on this accident the insurance adjuster will check your vehicle and will inform you where to take your car to get an estimate.

 

Tags: auto insurance, collision insurance coverage, Gay Friendly Insurance

Gay friendly SR22 insurance

For anybody who is faced with the first time they are required to buy gay friendly SR22 insurance, it can be like looking at a maze. The slight freedom which you had before in letting your car insurance lapse while you paid other bills no longer exists, and you face the options of either paying your car insurance or driving illegally on a cancelled license. Not everybody gets the Paris Hilton treatment when they’re caught for this.

So here’s a basic explanation of gay friendly SR22 insurance.

When you’re caught for a number of things, most commonly having racked up too many traffic tickets, driving drunk, or driving without car insurance, your license is often suspended. Most states require you to file proof of insurance in order to restore that license. This proof of insurance comes in the form of the SR-22 filing, which generally costs between $15 and $30. Even though the filing fees aren’t too high, the risk an SR22 requirement brings can inflate your prices like a balloon.

In most states, you have to keep your SR22 form on file for at least three years, sometimes more depending on the seriousness of the offense. If you don’t have insurance during that time, your license is cancelled.

Gay friendly non owner car insurance

Gay friendly non owner car insurance is an excellent policy to chek out when you’re in a unique driving situation. If you don’t really own a car, or if you tend to drive other people’s cars, then it might be a good idea to buy one of this, especially if you have to file an SR-22 form. Even if the car you tend to drive is already insured by the owner, such as a company car, you can take responsibility for yourself by adding on some additional coverage to take care of things if their coverage isn’t high enough, so that you don’t get into financial trouble. If you tend to drive rental cars very often, it’s cheaper to have a non owner policy, rather than buying insurance from the rental company every time.

Still, gay friendly non owner car insurance is limited and somewhat expensive. You are only permitted to purchase liability coverage–as well as no fault coverage, if you live in a no fault state–and the prices for this can be steep considering that the company cannot factor in your vehicle when rating your policy. Nevertheless, there are ways to save on this.

You can keep your coverage worthwhile but low, add your policy in with other insurance policies, keep your grades high and school, take the bus more often, and so on. Call your insurance company to find out about more discounts.