I don’t expect to have an accident and of course, I pray not to. But in case I’ll be in an accident and my car insurance company here in Arizona totaled my car, will they buy me a new car?

Lars

Catalina Foothills, AZ

No one would like to be in an accident because aside from the damage that it will do to you and your car physically, you may also be damaged financially. Not to mention the experience can be so traumatic and frightening. However, even if we try our best to avoid any untoward incidents on the road, accidents still do happen. And if you find yourself in this situation and your car insurance company in Arizona declared your car as a total loss, you would probably want a new car. Unfortunately, that may not be the case even if you consider your car as new.

Sorry to say but even a new vehicle drops some of it worth the moment that you steer the wheel and take it with you. However, some car insurance providers give Guaranteed Replacement Cost coverage for newer vehicles. For that reason, you do not have to that much bothered on the value that you will be paid because it would give coverage for a new vehicle. In case you do not have this coverage as part of your auto insurance policy, your insurer will be required to “make you whole,” like how it is described in your policy. This implies that your auto insurance provider would compensate you for the actual cash value of the vehicle, taking away the deductibles for the collision coverage on your insurance policy.

Will it be possible to get my own car insurance even if I only have a learner’s permit here in Phoenix?

Jules

Phoenix, AZ

That depends whether or not the specific auto insurance carrier you will be availing insurance from allows you to. A majority probably won’t allow you to get insurance on your own without a proper license. The reason for this is that most new drivers get involved in car accidents, or incur more traffic violations, in a much more significant rate as compared to more experienced drivers. In some states such as New York for example, the law prohibits non-drivers license owners to get car insurance. Truth be told, may prove to be difficult for you to find an auto insurance provider there in Phoenix, Arizona who is willing to sell you insurance with just your learner’s permit.

There are car insurance carriers out there that allows you to get car insurance as long as you can present a valid drivers license within 30 or 45 days. Generally, it would be much more convenient for you to be added as a named driver under someone else’s auto insurance policy, like your spouse or parents, until you are granted your own drivers license. This also avoids you having to pay very high auto insurance premiums as compared to being under someone else’s coverage. Please note that these are just generalities and that your situation is really a case-to-case basis and greatly depends on the car insurance provider you choose.

I know that having a teenage driver could have additional expenses on car insurance. How can we be able to find cheap car insurance for my teenage son here in Flagstaff?

Norris

Flagstaff, AZ

Most auto insurance companies view teenage drivers as “risky,” so this would mean insuring them can be quite pricey than regular car insurance. Young males between the age of 16 and 21 years old are considered the worst drivers when it comes to having accidents. Still, there could be ways to get around these undesirable facts about insuring a teenage driver. There are simple ways in which you could be able to lessen the insurance rates of your teenage son.

First of all, in purchasing a car for your teenager, it doesn’t have to be expensive because auto insurance company thinks that they will pay more for the car if it gets involved in an accident. If the car is costly, it would be possible that the insurance rates will be higher for your teen. You may also look for high deductible auto insurance policy in Arizona for your teenage son. This means that if your son gets into an accident, you would have to pay higher dollar amount but it would cost you less on your annual or monthly dues. Lastly, needless to say, you would have to shop around for a teen auto insurance policy. It would be very essential to get more than one quote and compare auto insurance policies.