by Guest » Mon Apr 27, 2009 07:17 pm
My husband has had bad luck with driving in Jan of 08' his trailer jack knifed the side of our avalance in snowy conditions. In June of 07' he borrowed my aunts car to go get his paycheck and lost control on a dirt road and hit a dump truck. In may of 08' he totaled my monte carlo when driving to work late at night and swirved to miss a deer. He has a speeding ticket on his record from sept. of 08' when he was gaining speed to go from a 35 to a 55. No OUi's or DUI's. My liscense has one speeding ticket back in 06' and one accident when a woman pulled out in front of me. State farm was my carrier for 12 years and would not renew my policy. So i went to TD insurance, they carried me for 1 mth and dropped me. So i went to Hartford the same thing happend they are only willing to keep me until may 19th . Progressive will carry me for 2600.00 every 6mths. Would it be cheaper to insure my husbands liscense? Both vehicles are in my name with the exception of the car, its both of ours. We live in maine so i'm not sure if there are diffrent laws here or not. We need full coverage, both vehicles are financed. PLEASE..... helppp.
Posted: Thu Apr 30, 2009 07:12 am Post Subject:
You can always divorce your husband and you wont have to include him.
Well, don't want to comment on this suggestion :wink: :lol: :lol:
Crazed, that's pretty unique. :)
Posted: Thu Apr 30, 2009 10:52 am Post Subject:
You can always divorce your husband and you wont have to include him.
Pretty drastic measure to safe a few hundred buck...I wouldn't recommend that one...however, way to think 'outside the box' there Crazed.Posted: Thu Apr 30, 2009 06:29 pm Post Subject:
Keep being honest and legal and you will find a good company willing to help drivers like yourself and your husband. Insurance companies know that bad things can happen to good people like yourself and your husband. I would start searching for a company right now that will insure you based on both of your vehicles and your driving records. You both need to be insured and both of your vehicles need coverage. I would shop online (get as many quotes as possible), have at least one agent get you quotes and be honest with him and call on some local companies and keep trying until you find a company willing to insure you at a fair price. Bear in mind, your rates are going to be higher since you are both high risk drivers. While getting quotes, consider raising your deductible to $1k or at least $500 and consider taking a defensive driving course or traffic school in your area. Ask an agent if this would help you get insured and lower your rates, a lot of people see as much as 10% reduction of rates from a defensive driving course. You may even consider liability insurance if your vehicles are paid off. You must be careful from this point forward and avoid having any other moving violations from getting on your driving record. Most courts have options for drivers to allow them to take a course or defer a ticket and keep it off your driving record. If you can keep from having anymore accidents or tickets on your record, you will see the others coming off after 3 years in most cases and start seeing a big rate reduction on your policy. However, if you have anymore accidents or tickets, then you may not even be able to find a company willing to insure you. Then you will not be able to drive.
Posted: Thu Apr 30, 2009 06:55 pm Post Subject:
Thanks for everyone for your input. I decided to go to a local office and increased my collision and comprehensive deductibles to 1000 and 500. Although the premium was for only 6mths it was one of the cheaper rates that I have found. I got a policy for 1500.00. Even though its high I dont have any other way around it. Its better than 2400.00 which i was also quoted. In 6mths my record should be completely clean and in 1yr my huband will have 2 incidents off from his. The future rates should be much better. Thanks again...
Posted: Fri May 01, 2009 06:39 am Post Subject:
Okay, just a piece of suggestion...Lissa, increasing the deductible would definitely help you in lowering premium rate but at the same time remember that you would be responsible for paying that amount at the time of requirement. And, since your husband already has a poor driving record the situation may arise anytime really soon. Therefore, just be careful when you make such commitment.
~Jeremy
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