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Insurance Rules for Multiple Drivers in the Same House
Insurance contracts can be difficult to understand, particularly when multiple drivers are involved. These agreements can become more complicated when the additional drivers are people who live in the home. Many insurance companies follow a series of widely-accepted rules when deciding how to cover multiple drivers who live in the same house.

Restricted Policies vs. Broad Coverage

  • Restricted auto insurance policies only provide coverage when the vehicle is being driven by a party whose name appears on the policy. Broad coverage is more lenient, and will often offer coverage to the driver, his or her spouse and children, and any family members related by blood. Broad coverage may also extend to friends who operate the vehicle with the permission of the insured. Consult your policy jacket, which is the document accompanying your insurance policy that explains what is and isn’t covered. You should also review your policy declarations, which are the forms issued at each renewal that show the names of the covered drivers on your policy and the vehicles covered. You are strongly encouraged to contact your insurance company for details about who’s covered by your insurance policy as this will vary from company to company and from state to state.

Multiple Vehicles with Multiple Drivers

  • Insurance companies commonly issue multi-vehicle policies that provide equal driving privileges for all of the drivers named on the policy. This means that a mother, father and teenage child would all be authorized to operate one another’s vehicles without restriction. Drivers should keep in mind that the coverage follows the vehicle, not the driver. This means that if a father’s Chevrolet has full coverage and his daughter’s Ford is covered with liability only, the father will only have liability while driving his daughter’s vehicle. (Liability coverage pays for the property damages and bodily injury incurred by others when you’re at fault in a covered accident. Full coverage pays for your vehicle and the vehicle owned by the other driver when a covered accident occurs.)

    It is becoming increasingly uncommon for insurance companies to assign drivers to specific household vehicles, as they have found that this makes it very difficult to settle claims. By assigning vehicles, insurance companies acknowledge that they restrict the family’s options when emergencies arise.

Children Who Aren’t on the Policy

  • It is important to remember that insurance rates are based on “risk,” or the likelihood that an accident involving someone on your policy will occur. That is why rates increase when teenage drivers are added to insurance policies. However, many companies extend coverage to the children of covered drivers whether they are on the policy or not. This is done in order to comply with industry-wide standards that typically provide coverage to a policy holder’s children.

    Despite their standard practice of covering teen drivers who aren’t on the policy, most insurance companies still request that parents add their teen drivers to their insurance policies to ensure that they are collecting adequate premium for each driver. These companies may also reserve the right to deny claims if they believe a parent has concealed information about a teen driver in the household. To be sure that your teen driver’s claims will be covered, add them to your policy as soon as they are eligible to drive.

Spouses & Adult Family Members Who Aren’t on the Policy

  • Many insurance companies use broad language in their insuring agreements stating that a covered driver, or the “insured,” under the policy includes drivers named on the policy and any family members related by blood. This could extend to your spouse or adult family members who live in the home. For this reason, your insurance agent may tell you that it is okay to lend your vehicle to adult family members who live in the home, even if they aren’t named on the policy. If an accident occurs while your spouse or family member is driving, your insurance company is likely to pay for damages unless a claims investigation reveals an extenuating circumstance. (Such circumstances may include, but are not limited to, vehicle operation during the commission of a crime.)

Friends Who Aren’t on the Policy

  • Broad coverage offers coverage to friends who aren’t on the insurance policy as long as someone who is insured on the policy has granted them permission to drive. Restricted coverage would not provide coverage to a friend who borrows your vehicle, even if you give him permission to drive. If your friend has his own insurance policy, his coverage is likely to pay for any accidents that may occur while he is driving your vehicle.

How to Find Cheap Auto Insurance for Your Teen

Auto insurance is one of those monthly expenses we don’t think about often, but it costs most people an exorbitant amount of money. This can be especially true of drivers who fall into certain demographics that the insurance companies view as “risky.” For example, young males 16 to 21 years old are considered to be the worst drivers, in terms of accident frequency. Insurance companies don’t think of teenage girls in a much better light.
What that means, in terms of insurance, is that teen drivers are always going to be charged an absolute maximum for their insurance premiums. This is due to the fact that the insurer knows, statistically speaking, that the teen in question is much more likely to be involved in a costly accident than an older driver would be.
There are ways to get around these unpleasant facts about insuring your teenage driver. Actually, there are several different ways in which you can significantly lower your teen’s auto insurance premiums, or even reduce them to normal rates.


  1. Limit the value of the car. The premiums that your teen will be responsible for will be based directly on the value of the car that they’ll be driving. The more expensive the car, the more the insurance company will have to pay if it’s involved in an accident. Therefore, the more expensive the car is, the more the premiums will be. So, get your teen an inexpensive car to lower those costs.
  2. Let your teen drive a car that discourages recklessness. Whether it’s right or wrong, one ironclad fact about the auto insurance industry is that they base their prices on generalizations. And, generally speaking, teenagers who are driving a Ford Mustang are much more likely to drive recklessly, speed, and perform illegal traffic maneuvers, than teens who are driving a Ford Focus. The insurance companies know this, so auto premiums for teens who are driving sportier cars will be much higher than for those driving other kinds of vehicles.
  3. Try to insure the car yourself. If the insurance company doesn’t already know that there’s a teen driver in your household, don’t tell them! Telling your insurance company about your teen driver makes about as much sense as double parking and then telling the next police officer you see that you did so. Instead, simply try to insure the car yourself. This will cost a significantly lower amount of money than if you have your teen get their own insurance, and it will actually save you money on your own premiums because you’ll get a multi-vehicle discount. Likewise, keep in mind that if the insurance company knows you have a teenager in the household, whether they’re actually driving or not, your insurance premiums will definitely go up in price. So, if the insurance company doesn’t ask, then don’t tell.
  4. Look for a high-deductible insurance policy. You can save a lot of money on your teen driver’s insurance policy by choosing a plan with a high deductible. What this essentially means is that if they are involved in an accident then you’ll have to pay a higher dollar amount to contribute to the repairs necessary. Having such a policy will help to alleviate the major concern of the insurance company (that your teen driver will be in an accident and cost them a lot of money) and will allow you to greatly reduce your premiums.
  5. Shop around. This almost seems to go without saying. However, it’s very important that you don’t simply get one quote from an insurance company and then immediately choose to give them your business. Instead, shop around to other companies. If you think their service is overpriced or non-competitive with other rates you’ve been quoted, be honest with them. If you tell one insurance company that their rates aren’t competitive, they may try to offer you something in order to get your business.

What Is the Insurance Commission on Auto Insurance Policies for Agents?

Insurance agents are, typically, compensated by a commission equal to a certain percentage of your policy premium. If you want to know how much your agent earns from your auto insurance policy, just ask. Some states require agents to disclose this information when you ask, others do not. However, if your agent refuses to tell you his commission amount, you may want to consider finding a different agent.

Commission Basics

  • Most insurance agents are not paid a salary by the insurers they represent. Sometimes, they receive salaries for stated periods of time at the beginning of their relationship with an insurer to help start their businesses, but these are not typically permanent, according to AMPM Insure. Therefore, an agent’s primary source of compensation is policy commissions. When you buy a policy from an auto insurance agent, he receives a certain percentage of the total policy premium and the insurer keeps the rest.

New Business and Renewals

  • Your auto insurance policy typically renews every six or 12 months, depending on your insurer. Each time the policy renews, your agent gets paid again. In this way, agents with large volumes of business often earn a lot of money, because older policies that renew pay commission in addition to that from new policies they sell. However, the agent may not receive the same commission percentage for renewals as she does for new business, so even if your premium remains the same upon renewal, your agent may earn different amounts of money over time.

Typical Commission Structure

  • Most auto insurance agents receive somewhere between eight and 15 percent commission when they sell or renew policies, according to This percentage might be higher for independent agents, or those who represent many insurance companies. Captive agents, who represent only one insurer, typically have a fixed commission amount that is set by the contract they have with their parent company. If renewal commission amounts are different than those for new business, the renewals are typically lower.

Other Factors

  • Insurers often offer their agents incentives and/or bonuses for selling certain volumes of products and meeting certain production goals. Also, independent agents might receive different commission percentages from different insurers they represent. This may pose an ethical dilemma for the agent, since the auto policy that pays the highest commission or the one that comes with the biggest bonus may not be the one that is right for you. Ask about commission structures and other forms of compensation if you are worried that your agent is not working in your best interest.

How to Get the Cheapest Car Insurance
Getting discounts on your car premium quotes is easy if you know how to shop for it. Auto insurance companies offer several discounts if you prove that you are a low-risk driver. Here are some ways to get the cheapest car insurance.


  1. Ask your insurance company representative if you qualify for premium discounts. You may get a cheap quote depending on your profession. For example, writers who work from home usually pay a low premium. They drive less and are not prone to hectic life schedules, since they work from home.
  2. Learn the art of lowering the quotes. If you choose a residence closer to your workplace, you will pay a lower premium. Moreover, if your home is located in a safe neighborhood (low crime rate), you qualify for a cheaper quote.
  3. Consider buying a multi-person policy. You can get coverage for more people under one policy. Put the names of family members under the name of the person who has the best driving record.
  4. Renew policies from the same insurance company. Often companies provide discounts on renewals. The moment you establish a driving record with a company, it knows you are likely to get a cheaper quote from other providers. This qualifies you for a lower quote. Moreover, if you had no claims during your previous terms, you qualify for such discounts.
  5. Take a defensive driver’s course. You will receive a certificate of defensive driving that you will have to submit to your company at the time of application. Taking this course lowers your premium substantially.
  6. Submit your report card if you are a young driver studying at an educational institution. If your report card is excellent, you are likely to receive a cheaper quote.
  7. Take advantage of being a senior citizen. You may qualify for senior discounts and get cheap insurance.

How to Get Cheap Car Insurance for senior citizens or elderly

Are you looking for cheap car insurance for senior citizens? Finding discount car insurance for elderly drivers or senior drivers is a tedious task. You must do a lot of research in order to find the car insurance for senior citizens that takes into account your particular car insurance needs.

The price of car insurance for seniors or elderly is dependant on the person’s driving record, type of car, type of coverage and more.


  1. Find out about discount driving insurance rates for older drivers

    Some car insurance companies offer discount car insurance for senior drivers. Be sure to ask your current car insurance company if they have cheap rates based on your age. You might be able to get a senior discount rate, especially if you have been with the same insurance for many years.

  2. Don’t assume you will get a better rate by sticking with your same policy you’ve had for years

    Once you check out your current car insurance company, make sure to check others. There might be a company that has very good rates on car insurance for senior citizens other than the car insurance company you are currently using. Though it is a pain to switch companies, it is well worth it if you see you can save money.

  3. Search the net or have someone younger do it for you

    If the elderly person is not used to internet searching, have someone younger search the internet for them. The internet is a great place to find cheap car insurance for elderly. You can search many websites and compare senior rates between them.

  4. Take a senior citizen driving class

    Find out from your car insurance company if you can take senior citizen driving classes to lower your insurance rates. Your insurance may approve certain driving courses designed especially for older drivers. Not only will these courses make you a better driver, but they can also lower your insurance rates.

  5. Find out if there are discounts for driving less

    If you are not planning on driving much, you should find out if you can get discounted driving insurance based on this. You might be able to get a discount car insurance for senior citizens package if you drive less than a certain amount.

  6. Use a good driving record to your benefit

    If you’ve always had a good driving record, that will be used for your benefit to lower rates. Car insurance companies will take into account that you have many years of driving experience and a good record throughout this time.

  7. Install safety features in your car

    Installing features such as air bags or alarm systems in older cars can help lower insurance rates for seniors. The more safety features your car has installed, the more probability of lowering your rates.

  8. Consider whether or not you still need to drive

    Before getting car insurance for seniors, consider whether or not you really need to drive at all. If you are retired and no longer going to work, maybe it doesn’t pay to drive. Maybe it pays to just sell your car and use cabs. Maybe it pays to just have someone else drive for you and take your name off the insurance policy. Just because you are not driving doesn’t mean you lose your independence. Carefully consider if driving is worth the expense.

How to Pay Hospital Bills Without Insurance
Paying hospital bills is a stressful experience if you don’t have health insurance. Five-figure sums are common in the U.S., where medical debt accounts for about half of all personal bankruptcies, reports the Kaiser Foundation. However, hospital bills are negotiable, and various financial help options are available, depending on your circumstances. Whatever route you pursue, plan on putting in a lot of determined effort to tip the scales in your favor.

Apply for Assistance

Contact the billing or patients’ account department to arrange financial help. Many hospitals offer charity care programs that can ease your bill. However, you must ask for this help, and follow the institution’s rules. Some hospitals require that you apply for Medicaid — which is for low-income people — before you can enter their program. Other facilities will ask for financial documents like bank statements, pay stubs and income tax returns to determine your discount, the website indicates.

Check Bills Closely

Scrutinize bills for errors, overcharges and above market rates. The Medical Billing Advocates of America estimates that eight in 10 bills contain mistakes. For example, make sure you aren’t charged for medications or tests that you never received. Look for billing code errors and duplicate charges. Also, visit sites like to see what hospitals in your area charge for comparable procedures and services. You can also use Medicare rates that the federal government sets in reimbursing senior citizens’ care as another benchmark. Either way, you need this information as the starting point in negotiating with the billing department.

Investigate Alternative Charities

Search online for nonprofit organizations that help uninsured patients. By typing in phrases like, “need help paying my hospital bill,” you should find a charity in your area to contact. For many example, many Catholic, Jewish, Lutheran and Methodist organizations offer programs to anyone, regardless of religion. You can also check directories like, and click the relevant category. Another option is crowdfunding, or setting up a personal fundraising page on websites like Depending on the site, donors can help by making credit card or PayPal, reports Forbes magazine.

Negotiate a Payment Plan

If you’re rejected for assistance, or don’t meet a program’s requirements, ask the patient accounts manager to set up an installment agreement. This option allows you to spread the cost over a longer time, at an affordable rate, without paying the additional interest charges of a conventional loan. You also get an opportunity to show good faith by making timely payments. As the MBAA’s summary suggests, this factor can help in convincing the hospital to write off the remaining portion, if you experience further financial difficulties.

Seek Government Assistance

Apply for any federal, state or local programs that could ease your out-of-pocket costs. One of the best-known is Medicare — for which you may still qualify, even if you’re an uninsured senior citizen who doesn’t meet its minimum age of 65. For example, the program is also available to people who require permanent kidney dialysis. Once enrolled, you can receive Part A hospital insurance — at no cost — or Part B, which requires a monthly premium, the U.S. Social Security Administration states. You can also consult the U.S. Health Resources and Services Administration website to determine what programs exist in your area.

How to Get the Cheapest Homeowners Insurance
Homeowners insurance protects your home from expenses that arise due to natural calamities, fire, theft, vandalism and so on. The insurance coverage depends on the value of your home and its contents, while the premium rate depends on the location, quality of construction and level of security. Follow these tips if you want to buy the cheapest homeowners insurance.


  1. Estimate the value of your home and belongings including the replacement value of your home, interior furnishings, jewelry, electronics and so forth.
  2. Go online and find out the variable cost of homeowners insurance. The annual premium can vary from $500 to $2,000, depending on the company and type of coverage. Those who are age 62 and over may benefit from reduced premium rates from some companies.
  3. Learn about the regulating authority responsible for insurance rates in the state where you live. The rates for homeowners insurance need approval from the insurance department of the state.
  4. Get quotes from different insurance companies. Most insurance companies have Web sites where you can request online quotes or talk to local agents and compare policies.
  5. Combine policies with the same provider if possible. For example, if you have an auto policy or plan to buy one, combining this with a homeowners policy will lower your premium rate.
  6. Inquire about business tie-ups and affiliations. Many insurance companies have tie-ups with home security system providers. If you buy and install a security system from a company’s associate list, you may qualify for discounts on installations as well as lower premium quote.
  7. Check into buying multiple policies from the same company for other family members’ homes if they are willing to do so. You could be eligible for even more discounts if offered.

How to Get the Best Price on Car & House Insurance
Auto and home insurance rates vary for each locality. Regional weather conditions effect house insurance, and factors like population and frequency of accidents figure into local auto insurance rates. The best rates are found by checking with several companies that cover both homes and cars for cheap insurance quotes. The company with the cheapest car insurance may have high homeowner’s rates. Taking the time to shop and compare car insurance and homeowner’s coverage is the key to finding good prices.


  1. Check with several companies that underwrite both home and auto insurance (see the Resources section for links). Ask for quotes by phone or through online tools to compare car insurance and homeowner’s insurance rates.
  2. Ask your employer or college if they are part of a group with any auto and home insurance companies. Group discounts often give the best rates regardless of other companies’ discounts.
  3. Choose high-deductible rates for cheap insurance quotes. The deductible is the amount you pay for claims out-of-pocket before the insurance begins to pay for losses. The more you are willing to pay in deductibles, the less you have to pay in premiums.
  4. Call insurance providers to ask about multiple policy discounts. Most insurance companies will discount the cost of both policies for customers who buy car and house insurance.
  5. Inquire about any discount that may lower your premium cost. Homeowner rates are lowered by security systems, lighting, fire resistant construction and up-to-date plumbing and electrical equipment. A good driving record, anti-lock brakes, airbags and alarm systems help you get the cheapest car insurance rates.

How to Get Health Insurance
While you may not need life insurance, and you might be willing to risk not having earthquake insurance, don’t gamble with health insurance. Just a couple of days in the hospital can drain almost anyone’s savings. Health insurance can be expensive, but with a little research, you can find coverage that fits your budget.


  1. Sign on with the health insurance provided by your employer: it is likely to be the cheapest option you can find. Search for your own insurance if you’re self-employed, or if your company doesn’t offer it.
  2. Investigate coverage under COBRA (Consolidated Omnibus Reconciliation Act of 1985) if you’ve recently left your employer. Through COBRA you can extend your coverage for 18 months beyond your separation date, though you have to pay the premium yourself.
  3. Find a health insurance broker to compare plans and costs for you. The National Association of Health Underwriters ( can help find one in your area.
  4. Purchase a fee-for-service plan. The biggest plus is that you have complete control over which doctor you see and determine for yourself when you need to see a specialist. However, there is a significant out-of-pocket cost for this kind of care, the premiums are generally higher, and if your doctor charges more than what is considered customary, you may have to shell out additionally for that care as well.
  5. Sign up for a managed care plan where your insurance provider determines which doctors you can see. There are three basic kinds of managed care:
  6. Preferred provider organizations (PPOs) have a list of doctors to select from when choosing a physician who will be your first contact for health care. If you see doctors in your insurer’s network, you pay a low co-payment. However, if you see a physician not in the network, your co-pay is higher. You also generally don’t need prior approval to see a specialist–PPOs give you the most flexibility but cost more in monthly premiums and out-of-pocket costs.
  7. Point-of-service (POS) networks are similar to PPOs, except that your primary care physician makes decisions about which specialists you can and can’t see. You can still see a physician outside the POS network, but face higher fees and more paperwork to do so.
  8. Health maintenance organizations (HMOs) are the most restrictive, yet least expensive managed care programs. Most require that you see a doctor in their network, but offer low or no copays in exchange. Many HMOs also require you to see your primary care physician before getting referred to a specialist.
  9. Find out if benefits are limited for preexisting conditions, or if you have to wait for a period of time before you’re fully covered. Other plans may completely exclude coverage of preexisting conditions.
  10. Compare the prescription drug coverage offered by various plans. Many plans have tiered benefit systems, and usually offer a preferred list of prescriptions that have a lower co-pay. Search for any medication you are taking on this list; drugs not on the list can have a co-pay that is twice as high. Also, see if any plans limit the amounts of new prescriptions or refills on a given drug.
  11. Check to make sure your regular doctors are on your plan’s preferred provider list. All plans provide a database of their provider list on their Web site. Go with a plan that lists most or all of your regular doctors. Be aware that most PPOs will pay up to 20 percent less for out-of-network doctors.
  12. Investigate what sorts of delays you may encounter with managed care. Some plans are notorious about keeping members waiting to see a doctor. Ask a doctor you intend to visit how long a typical wait is before you choose a plan.
  13. Shop around. Call several agents and compare policies and premiums.
  14. Look into other potential sources for health insurance. Alumni associations, professional groups, fraternal organizations and other associations often offer health coverage to their members.

How to Change the Owner Name on a Homeowner’s Insurance Policy

Homeowner’s insurance protects your investment against disasters like flood, fire and windstorm. There are times when, though you own the home, you may want to change owner names on the home insurance policy. For example, if you’ve recently married or entered into a domestic partnership, and have changed the title on your home, you may want to add your spouse’s name to your insurance policy. Changing homeowner names on an insurance policy is usually a straightforward process.


  1. Decide whose names you want on the home insurance policy. The names on the insurance policy must usually match the names on the home title.
  2. Call your insurance company and ask to speak with a customer service representative about policy changes. Your insurance company will have specific rules that you need to abide by when making changes. For example, you may be required to fill out a specific form or have a document notarized.
  3. Follow your insurances company’s instructions. For example, send in the letter or the form that you are required to fill out. Changes are usually effective when your insurance company receives the documentation.

How to Get the Cheapest Car Insurance
Getting discounts on your car premium quotes is easy if you know how to shop for it. Auto insurance companies offer several discounts if you prove that you are a low-risk driver. Here are some ways to get the cheapest car insurance.


  1. Ask your insurance company representative if you qualify for premium discounts. You may get a cheap quote depending on your profession. For example, writers who work from home usually pay a low premium. They drive less and are not prone to hectic life schedules, since they work from home.
  2. Learn the art of lowering the quotes. If you choose a residence closer to your workplace, you will pay a lower premium. Moreover, if your home is located in a safe neighborhood (low crime rate), you qualify for a cheaper quote.
  3. Consider buying a multi-person policy. You can get coverage for more people under one policy. Put the names of family members under the name of the person who has the best driving record.
  4. Renew policies from the same insurance company. Often companies provide discounts on renewals. The moment you establish a driving record with a company, it knows you are likely to get a cheaper quote from other providers. This qualifies you for a lower quote. Moreover, if you had no claims during your previous terms, you qualify for such discounts.
  5. Take a defensive driver’s course. You will receive a certificate of defensive driving that you will have to submit to your company at the time of application. Taking this course lowers your premium substantially.
  6. Submit your report card if you are a young driver studying at an educational institution. If your report card is excellent, you are likely to receive a cheaper quote.
  7. Take advantage of being a senior citizen. You may qualify for senior discounts and get cheap insurance.

Progressive Insurance Policy Information
In 1937, Jack Green and Joseph Lewis founded the Progressive Mutual Insurance Company. The company initially offered only automotive insurance, but expanded to include insurance for other motorized vehicles. In 1996, Progressive launched a web tool where consumers can compare the policy rates of other insurance companies when shopping for auto insurance policies.

Insurance Policies Offered

  • Progressive offers insurance policies for cars, motorcycles, trucks, classic collectible vehicles, recreational vehicles, commercial vehicles, boats, snowmobiles and Segways. You can also purchase homeowner’s insurance and umbrella insurance through Progressive. The company’s website ( provides consumers with information on health, life and pet insurance offered by other providers. If you buy collision coverage through Progressive, you automatically receive pet injury coverage with a limit of $1,000 to cover veterinary expenses resulting from injuries your pet may sustain during a car collision.

Purchasing Insurance

  • To purchase auto insurance from Progressive, you can choose to request an instant quote, or you can determine your own price, based on the insurance coverage type and deductible limits. If you pay for your annual or semi-annual policy in one lump sum, Progressive gives you a discount. You can also choose to pay in monthly installments with your PayPal account, by check or credit card or via automatic withdrawal from your bank account.

Insurance Discounts

  • Progressive offers customers discounts for purchasing your policy online, insuring multiple cars in your household and combining multiple insurance products, such as homeowner’s insurance and auto insurance. Progressive also offers an accident forgiveness clause that you may qualify for if you have been insured with the company for three years and have not been involved in an auto accident. If eligible, Progressive will not increase your insurance rates the first time an accident occurs after the designated time period.

Reporting Claims

  • If your insured vehicle sustains damage as a result of an auto accident, Progressive offers you the option to file your claim online. Normally, you will receive a phone call from a Progressive claim representative before the end of the business day to arrange an inspection appointment so you can receive a repair estimate. Progressive can provide rental car assistance and towing service if needed. You can check on the status of a claim via the company’s web portal.

How to Switch Insurance From Car to Car
When you change cars, transferring your insurance from one vehicle to the other should be a priority. Depending on your auto insurance company, the process could be as simple as calling your agent. If you know in advance that you plan to change cars, it’s a good idea to call your agent to verify the company’s policies ahead of time. Even though swapping insurance from one car to another should prove a fairly simple process, you need to be aware of your company’s procedures so that you don’t risk a loss of coverage during the switch.


  1. Evaluate your coverage limits to determine if you need to change your deductible or policy limits. recommends that you determine which coverage is required and from there decide “what you have that needs to be protected” beyond the minimum. At the very least, consider your liability, comprehensive and collision coverage limits to ensure that you have adequate coverage.
  2. Notify your insurance company as soon as possible after you change vehicles. Neglecting to promptly inform your agent of your car change could result in an unpaid claim if you were to have an accident in the meantime. If possible, call your agent before driving the new car. Now is the time to inform your agent of any changes you want to make in deductibles or coverage limits.
  3. Provide your insurance company with the details of your new car. Typically, your agent will need to know the Vehicle Identification Number (VIN) of the car, the make and model, and the purchase price, if applicable. Most auto insurance companies will transfer your coverage from your former vehicle to your new car over the phone.
  4. Ask your insurance agent about the billing process for your coverage change. If there is a difference in rates, your company may send you a short bill for the difference to cover the period between your car change and your next regular billing statement.
  5. Request an updated insurance card from your agent. Some states require drivers to keep proof of insurance in the vehicle. When you change cars, you’ll need a record of insurance that lists the correct vehicle under coverage.
  6. Check your short bill or next auto insurance statement for accuracy. Make sure your deductible and coverage limits are correct, and address any discrepancies immediately.

How to Get a 17 Year Old Car Insurance – Cheap and Affordable

It is not easy for get a 17 year old car insurance that is cheap and affordable, especially during this economic recession. This is largely due to the fact that 17 year olds are considered a risk to the insurance companies – both because they are new drivers and because 17 year olds are known to be less responsible than older drivers.
There are various ways to go about getting your 17 year old car insurance. Follow the steps below to help you get cheap car insurance for a seventeen year old or even a 16 year old.


  1. Include the 17 year old on the parents’ insurance policy –
    Instead of getting the 17 year old a car insurance policy of his/her own, include them on their parents policy. This tends to be cheaper than the alternative.
  2. Take a driving course and do well –
    The 16 or 17 year old should take a drivers’ ed course and do well in it. Many insurance companies will give better rates for 17 year olds who have taken drivers’ courses and get good grades.
  3. Get good grades in school –
    If the 16 or 17 year old gets good grades in school, this can also lower the insurance rate. Many insurance companies consider seventeen year old with good grades less of a risk and therefore give them better rates.
  4. Choose your car type carefully –
    If you want to get a 17 year old car insurance that is cheap or at least low cost and affordable, be sure to choose the car for the 17 year old carefully. Older cars and cars with more safety features are cheaper to insure than newer cars and sports cars.
  5. Make sure the 17 year old drives responsibly –
    Any small car accident, ticket or traffic violation can increase the car insurance for a 17 year old drastically. So be sure the 17 year old is aware of this and drives carefully and safely. As the 16 or 17 year old gets older, the insurance rate will become lower as long as their driving record is clear.
  6. Choose a higher deductible –
    Normally, if you have an insurance policy with a higher deductible, you will have a lower premium.
  7. Shop around –
    Look into different insurance policies and don’t just settle for the first one you find. Find which insurance policy offers the cheapest insurance for a 17 year old. Ask specific questions regarding your specific circumstances (including the 17 year olds’ grades, type of car, driving record, etc.)

Is There an Insurance Company That Covers Pizza-Delivery Drivers?

Pizza delivery is not covered in most personal auto insurance policies. If you plan on getting a job delivering pizza using your own vehicle, you will need to find a carrier who offers Hired and Non-Owned Auto Coverage in a commercial auto policy. It is important to make sure you are covered in the case of an accident. Some pizza companies have their own insured vehicles that delivery drivers use.


  • Progressive offers pizza delivery vehicle insurance. Its policy can be customized to reflect on-season and off-season usage of your vehicle, including times when you will not be delivering pizza. There are certain discounts offered that may apply to you. Progressive provides flexible payment options including an online bill pay service. Progressive is one of the largest commercial vehicle insurance carriers in the nation. The company has an A+ rating from A.M. Best, a company that provides credit ratings and financial information for companies within the insurance industry. Progressive operates a customer service hotline 24 hours a day, seven days a week.

Sunderland Insurance

  • Sunderland Insurance Services, Inc., is a surplus-lines broker licensed in California but offering coverage in all states but Connecticut, Delaware, Iowa and Oklahoma. Its Hired & Non-Owned Auto policy specializes in hard-to-place risks that other companies exclude, including pizza delivery drivers. The coverage excludes a guaranteed-time delivery. The coverage limits are $100,000 to $5 million, as of June 2011. Sunderland Insurance uses only A.M. Best “A” Rated national insurance carriers.

International Property & Casualty Insurance Brokers of NV, Inc. (IPC)

  • IPC has a Hired & Non-Owned Auto Coverage available for pizza delivery drivers. It offers lower minimum premiums and deductibles. The policy limits are from $100,000 to $1 million, as of June 2011. IPC provides coverage in all states except New Hampshire. Coverage is in excess of the delivery driver’s personal auto policy. Premiums start at $2,700. The company was founded in 1996 and is an A.M. Best A+ rated carrier.

Crump Property & Casualty

  • Crump Insurance is the nation’s largest insurance wholesaler, offering nationwide coverage with the exception of Alaska. The company has 27 office locations in the United States and Bermuda. The Hired & Non-Owned Auto Coverage policy offers a low minimum premium starting at $1,250, as of June 2011. The minimum deductible is $2,500, but may be waived if there is valid and collectible owned-auto coverage in place.