Reader’s Question:

Can anyone help me in finding a good but car cheap driver insurance woman?

Megan

San Francisco CA

Well Megan I’m sure a lot of men will be very willing to help you car cheap driver insurance womanget car cheap driver insurance woman. As you know for quite some time, women drivers have been the butt of jokes especially by men. The really funny part is in the world women actually have the upper hand. According to statistics women are better drivers since they have less chances of being involved in a vehicular accident. Here are some ways to help you choose a good yet cheap automobile insurance.

Your gender actually qualifies you for a discount. That’s right. Insurance companies give lower rates to women since they are better drivers. That being said, it is always prudent to regularly check your driving record. Even a small traffic violation can increase those rates. You can go to the Department of Motor Vehicles to know if your driving record is clean.

Aside from having a good driving record, make sure that your credit record is also good. Not necessarily spotless, but good. Insurance companies give higher rates to people that have poor credit. If there are any unpaid balances, they make sure to pay them before going to an insurance company.

A woman’s status can also determine if she will qualify for car cheap driver insurance woman. What this means is that married women often get lower premiums that single ones. It is also the same for men. Don’t marry though just to get low rates. It is the other way around. You get to pay low premiums because you are married.

Finally, bear in mind that minimum coverage does not always mean cheaper. Having minimum coverage may mean you pay less for the premiums. But when the unthinkable happens, you will have to shell out more personal money. In the end it actually costs more.

So the next time men tell you a joke about female drivers, just don’t mind it. After all, you have car cheap driver insurance woman.

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Reader’s Question:

I just got a traffic ticket here in Berkeley last Tuesday for speeding and unfortunately I’m a little drunk at that time. Does my unlawful behavior affect me of getting a cheaper car insurance here in California? Can I get a comparison car insurance quote?

Leigh

Berkeley, CA

First of all, this unlawful behavior is what Insurance Companies there in  California consider in giving you on how much they will offer you for this are the grounds on giving increase to your insurance rate.

With regards to traffic tickets, as long as you get one traffic ticket only for a year. You can just use the deferment program and pay the traffic ticket and your record will be erased and the insurance company will not be able to recognize it. It is easier to get away from traffic violation especially if you haven’t used your deferment program yet. Unlike other unlawful behavior like driving under the influence of alcohol and drugs, it is not easy to get out off it which includes a complication in your car insurance. If it is a car accident and it wasn’t your fault you will still have a charge raise for you are in the accident and you are there to complete it and that makes you still a part of the accident. And if it is your fault the more you will have a problem especially if you have been drinking. Not only that you are going to have problem with the law but also with the unstoppable increase of your insurance.

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Reader’s Question:

If my drivers license was suspended for two DUIs in the state of Michigan can I obtain a drivers license in LA California?

Dan

Los Angeles, CA

although the state of Michigan is not a member of the DLC your suspended license will be listed in the National Driver Register (NDR) which Los Angeles California will verify before allowing you to get a license in CA.

The Drivers License Compact (DLC) is a reciprocal agreement that many states within the US are members of and requires the member states to forward the licensing state of a driver when he or she is convicted of a certain traffic violation. The licensing state then can know if the violation is put on the individual’s driving record, if points are applied, etc. The National Drivers Register is used by all US states, so both California and Michigan do have access to it.

When applying for a driver’s license in Los Angeles California the California DMV will verify the NDR. This database will then notify the Department of Motor Vehicle to any action against your driver’s license in other state(s). Once they aware that your drivers license is revoked in MI due to the two DUIs you will be unable to receive a CA driver’s license. To obtain a license in California you will first need to take care of your suspension or revocation in Michigan. If you are able to have your drivers license reinstated in MI then CA should be able to see this on your NDR listing and grant you a drivers license.

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