I am currently under my parent’s car insurance policy. I cant afford to get car insurance yet on my own since I am only 18 years old.. I live with my parents in Wisconsin but they are planning to move in Illinois. Can I stay on their auto insurance if I wont be living in the same household? I have my own vehicle.

Kenosha WI

Peters

No, it is not likely that your parent’s insurance policy will be able to continue to have you and your vehicle if they move out of state. The state of Illinois has different auto insurance liability requirements than the state of WI so that is one problem that may arise but also most all insurance companies will not cover an individual and the vehicle that is not part of the household. Since your vehicle will be garaged in Kenosha Wisconsin and not at the address of your parents then an insurance provider will not usually allow you or your vehicle to be covered on your parent’s insurance policy once they move, especially to a different state.

You can check if there are ways in which to lower the car insurance premium. You can look for car insurance discounts such as safety features on your vehicle for one. Other ways in which to obtain discounts may be taking a driver improvement course or safety course, some insurance company lower car insurance rates if you take approved traffic class. In addition if you are going to school and maintaining good grades some insurance companies give good student discounts.

What car insurance premium should I expect if I have my “rebuilt” car insured here in Wisconsin?

Philip

Green Bay, WI

Typically, a “rebuilt” title is given to a vehicle that has been damaged and repaired after having been considered a “total loss” by the car insurance company. A vehicle may be considered as a “total loss” if it has been decided that the cost to repair the damage is higher than its “actual cash value.” Normally, the cost of repair falls between 51% to around 80% of the car’s actual cash value (the car insurance company decides on what percentage the repair cost should fall under in order to consider the vehicle a “total loss”). If the car is totaled, it is given a salvage title. However, if the car is repaired and is proven to be ready for the road, it is given a rebuilt title.

In reality, it is difficult to obtain an insurance for a rebuilt vehicle. This is because most automotive insurance companies consider “rebuilt” vehicles as “bad risks” with higher probabilities of getting into an accident again. In case an insurance company agrees on getting your vehicle insured, you may expect that company to give you only a specific amount, something less than the premium that you could actually get if you insure a vehicle that is not titled “rebuilt.” In that case, it is up to you if you want to get that policy or not. Try going for an insurance shopping there in Green Bay, WI, so you could choose which among the companies you’ve consulted with could give you the best insurance rates for your car. Or you could go online and check out it out.

A: If you live near a bus line or have loyal friends who can pick you up and take you where you want to go, you might consider letting your SR22 car insurance policy go. If you have stores in walking distance, it will make it easier, and you’ll get some exercise to keep your heart pumping as well.

However, if you don’t think you can do that, then you will need to try the best you can to just save money. If you haven’t inquired already, talk with your SR22 car insurance company to see if they have a special discount for seniors. Many do, which often range from 10-15%.

Also, you should look into getting an SR22 car insurance policy from AARP Hartford, which is part of the American Association of Retired People and caters specifically to the retired. You can be ensured there that your policy will not be canceled, so long as you pay it, and you can get a lot of discounts.

A: Well, even if you’re unemployed for the moment, you can’t spend every hour of the day looking for a job. Now is the time to try doing a couple of things you may have not had the time for when you were employed full time. For the moments you aren’t looking for work, see if you can sign up for a couple of things to save you money on your insurance premium,.

One such thing could be a driver’s education class. If you already took one of these when you first got your driver’s license, then it should already be a discount on your SR22 car insurance policy. If you didn’t, though, you can take one now and still be able to get a discount. Some car insurance companies have an age limit on this, so make sure you call yours up before you waste your time and money on the class.

Another class you can take for a cheaper premium is a defensive driving class. Sometimes, if your SR22 is because of drunk driving, the court may require you to take this class. If they have, it won’t count for a discount. However, if they haven’t, call up your car insurance company to find out more.

A: You have to remember that the car insurance, at least the part of your car insurance required by law, isn’t for you at all. You have to have liability insurance so that if you crash into someone else’s car, you’ll be able to pay for their damages. Even a car as ancient as yours can cause damage. Beyond that, you are also required to have your SR22 policy if you want to drive at all. If you don’t have an SR22 form filed every month, then your license will be canceled. No getting out of it.

However, there is something you can do to make your SR22 car insurance premium cheaper than it currently is. Instead of trying to get rid of your car insurance altogether, simply try to get rid of as much of it as possible. Cut your coverage until you arrive at the minimum amount required by law.

If you’re worried about paying for damages you cause, you can cut your collision and comprehensive coverage but keep your SR22 liability coverage high. If you aren’t, then you can keep it at the minimum.

A: First of all, since SR22 car insurance is so expensive, it’s only advisable to have comprehensive coverage if you’re still paying for your car, or if your car has a lot of value (at least one thousand, but sometimes more).

As for saving money on your SR22 car insurance premium, the best way to do that is for you to protect your vehicle as well as you possibly can. Do this by getting it set up with anti theft devices beyond the usual. Instead of just having an alarm that makes noise, get a device which will disable your vehicle whenever a thief tries to start it up. This could be a wheel lock, or something that goes straight to the engine and disables that.

In addition to that, make sure the device you get turns on by itself rather than needing you to activate it every time you get out of he car. You’ll usually get a discount on your SR22 insurance premium if you have an anti theft device which is both passive (meaning you don’t have to activate it, it activates itself) and disabling. Some car insurance companies won’t even give you comprehensive if you don’t have this kind of anti theft device.