Car Insurance For Company Cars

Car Insurance for the newly retired. Do insurance companies take account of drivers of company cars ?

Question: I have been driving for about 44 years and have had a company car for the last 20 or so. When I retire, will an insurance company take account of this with no-claims discount for a car of my own? I do own a classic car on a special classic car policy but as it is very cheap with limited mileage (1500 miles) applying there is no ncd.

Answer: You can ask your ex employer for a letter saying that you have have driven their vehicles for x years without a claim, which should go towards a few extrs years NCB form your insurance. Good luck and enjoy your retirement.

Who is the cheapest car insurance company for two cars?

Question: One is a 1993 Ford Probe and the other is a 1994 Toyota Camry.

Answer: Trust me, no one can answer that as it depends a lot on where you are and how your diving record is. Your best bet is to call 8-10 companies and ask them. In my experience, the ones who advertise a lot are usually the ones who charge more. Good luck.

How to Improve a Car Insurance Company's Offer?

Question: Someone hits my car while I parked on the street, the lady hits 2 cars. My car value is 11,000 (my car is one way) and the other car value is 2,000. The lady's insurance only cover up to 10,000. So I only can get 84% of the 10,000 (so i got $8461) How I ask for more money? I cannot claim my own insurance, b/c insurance only cover if i hit someone's car. No cover on my car.

Answer: If you haven't accepted (cashed the check) and you can demonstrate to their satisfaction that the value of your car is $11,000, you should be able to at least get the full $10,000. It's better than $8400 and easier than suing. If she was only carrying low, mimimum $10,000 liability limit and you did sue her and win, would she even be able to pay the judgement? Doesn't sound like she has deep pockets. If you accepted the check, and signed a settlement agreement w/ the insurance carrier, you really can't do anything except sue her personally.

What company offers a good affordable rate for car insurance in the state of Maryland?

Question: I'm just moving out of Virginia into Maryland and I am very overwhelmed by the high premiums that I will have to pay oppose to the lower premiums that I was paying for 2 cars in Virginia. Does anyone know a good cheap car insurance company? Thanks!

Answer: Maryland has VERY high rates, if you're looking for something to compare to the VA rates . . you're not going to FIND it. There are just more losses, more traffic, and more lawsuits, that's all there is to it. Your best bet is to go to one or two independent agents, ask them to get you 4-5 quotes EACH, and compare that way. But they're ALL going to be in the same ball park.