Spouse with Poor Driving Record       If your fiancé has a poor driving record, you can expect it to affect your insurance premium after you get married. Your automobile insurance policy covers you, your spouse, any other named insured under the policy, and any licensed driver in your household. If any of those people have a bad driving record, it will affect your rates.

SR-22 Insurance       SR-22 insurance is used differently in different states, so it is difficult to give a specific answer to this question. An SR-22 insurance policy is generally a motor vehicle liability insurance policy required for reinstatement after your drivers license has been suspended or revoked. SR-22 insurance is uniquely suited for these situations, because it requires the insurance company to notify the department of motor vehicles if the policy is canceled, terminated, or lapses. If any of these things happen, your license will typically be suspended until the policy is brought current or reinstated. Under the laws of most states, you must carry SR-22 insurance for a certain period (often three years) after the end of your suspension or revocation.

Teenage Driver       As you have probably discovered, insuring a teenage driver can be very expensive. Drivers under the age of 25 pose the greatest risk to insurers because of their high level of at-fault accidents. Insurance companies seek to limit their exposure by charging higher insurance rates for 16- to 24-year-olds than for any other age group.

Totaled Car       An auto insurance company's decision to declare a car a total loss is based on two factors: The value of the car The amount it would cost to repair the covered damage Basically, if the cost of repairs exceeds the car's value, the insurance company will declare your car totaled and give you a cash settlement rather than pay for the repairs. So a relatively minor accident could be enough to total an older or inexpensive car, while a very serious accident may not cause a more expensive model to be totaled.

Winters in Florida       Of course, everyone wants to save as much as possible when it comes to auto insurance. But it's important to remember that auto insurance is not just coverage for accidents that happen while your car is being driven. Different parts of your auto insurance policy serve different purposes, so the question is really more complicated than it appears.

Does Your Occupation Affect Your Auto Insurance Rate       Think your occupation does not affect your auto insurance rate - think again! In Insurance.com's 2006 Occupation Report, results show that your occupation can greatly impact your car insurance premium. Compiled from data from their partnering auto insurance companies, Insurance.com's report shows that scientists, pilots/navigators and actors/performers/artists pay the lowest insurance rates at an average of $935.76 per year. Attorneys/lawyers/judges, executives and business owners pay the highest insurance rates at an average of $1,383.63 per year.

Auto Insurance Rates On The Rise       A recently released auto insurance study shows that rates are continuing to climb, but you can minimize your financial pain if you "shop around" for coverage. Shop Around Insurance prices for the same coverage can vary by hundreds of dollars, "so it pays to shop around. Get at least three quotes," urges Jeanne Salvatore, vice president of consumer affairs for the Insurance Information Institute (III) in New York.

Tips for First Time Insurance Buyers       When you buy insurance, you're really buying something that you hope you'll never have to use. But if you ever do need to file an insurance claim, you'll understand why having the right amount and right types of coverage is important.

The Consequences of Not Having Auto Insurance       When young adults graduate college they have aspirations of starting their first "real world" job, getting their own place and buying a brand new car - one that does not need a screwdriver to start. However, college students are also graduating with much more than just a college degree and a dream, they are graduating with a substantial amount of debt. In fact, many students graduate with an average of $3,262 in credit card debt - 10 percent of that group owing more than $7,000 in credit card charges.

Protecting Your Child When Driving       Drive with peace of mind, knowing you're doing everything you can to protect your child's life when you're behind the wheel of the family car. Remember - that's precious cargo you're transporting in your back seat. Make sure your children are properly secured, before you start the car.

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