How to Find Insurance Records from a Previous Owner of a Car

Obtaining relevant documents, including insurance papers, about a used car from the previous owners often seems difficult. Often the difficulty arises after the car's previous owner has sold it. Insurance records often are not readily available or accessible. That can complicate things when the new owner attempts to renew insurance coveraage. Additionally, in case of an accident, the absence of relevant documents could lead to delays and complications in processing your claim. The best way to avoid these problems is to collect all relevant information and documents before making any deal.


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Step1
Contact the local Department of Motor Vehicles (DMV) and request a copy of the last title transfer of the car you are buying. Depending on where you live, this report can cost between $12 and $18. This report will give you accurate details on the current and or previous owner, his or her name and the contact information.



Step2
Contact your state's Department of Insurance for sources that can provide this information. If you can locate the previous owner, ask him or her to provide the details. The previous owner is likely to oblige since he or she already has sold the car. In some cases, the documents obtained from the DMV may identify the prior owner's insurance company.



Step3
Call the insurance company's customer service number, usually listed on the Internet or in the Yellow Pages.



Step4
Ask the company to provide all information or a photocopy of the previous owner s insurance coveage and any prior claims.



Step5
Make sure that you request the information only for the car you want to buy, not for any other car possessed by the previous owner.



Step6
Seek more professional help by spending a few dollars. Provide the information about the car that to a professional agency such as CARFAX. It will send you reliable details about the car you want to buy.


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How to Know if Your Insurance Covers You in Someone Else's Car

Insurance coverage is compulsory for all vehicle owners and obtaining an insurance policy appears to be very simple. Understanding all the clauses mentioned in the policy can be a cumbersome process for the people who drive the car. The two basic insurance policies usually available are Liability and Comprehensive . In most states, coverage for damage to non-owned vehicles, such as rental cars, is no longer provided under the liability clauses. A comprehensive policy provides more coverage for at least one of your personally owned vehicles in order to claim compensation. You will not be covered for damage to vehicles that you rent or borrow under the Liability policy. The best way to determine this is by asking your insurance agent or the company at the time of purchasing a policy.

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Step1
Contact an insurance company or agent before purchasing a policy. Convey all the points that you want to include in the coverage.



Step2
Be sure that you understand all the clauses mentioned in the policy you are purchasing.



Step3
Get clarification from the agent or insurance company that the policy will cover driving a third-party vehicle.



Step4
Find out how much the additional collision and or comprehensive coverage will cost you.



Step5
Consult legal experts, if necessary, before paying the stipulated premium.



Step6
Choose wisely.


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How to Compare Car Insurance Companies

When it comes to shopping for an auto insurance provider, it becomes apparent that not all of the policies are created equal. Some insurance companies will approve your claims with great speed and efficiency, whereas some may get on your nerves with a series of questions and paperwork before getting your claims processed. It's important to compare car insurance companies to get an overall idea of their market reputation, credibility and accountability.


Step1
Compare ratings between different companies to get an overall view of their reputation. Organizations such as A.M. Best provide ratings and analysis of insurance providers. These ratings are comprehensive and provide up to date information on each company s track record including strengths and weaknesses, coverage options and claims handling. You can also visit Standards & Poor s or Fitch ratings for more information. (See Resources, below.)


Step2
Compare the reviews of customers and policy holders. J.D. Power and Associates is one of the oldest names in customer views and reviews. Search for the company from which you wish to buy your policy. Then, go through the reviews posted by policyholders and customers to determine whether or not they are satisfied overall with the insurance company and its services. Similarly, search for other providers you might consider and compare the reviews.


Step3
Discuss insurance with your friends, family members, colleagues and business associates to get their opinion on various car insurance companies. They might have had a favorable or unpleasant experience dealing with a particular company and would be able to provide personal insights on companies.


Step4
Compare customer service options for each insurance company you are considering. Those with a large network of offices, claim centers, agents and 24/7 support over telephone as well as email will ensure that you get treated properly as a customer.


Step5
Ask the car insurance companies you are comparing for quotes with or without any claims bonus protection.


Step6
Find out if it is cheaper to pay on a monthly basis to the insurance company through personal checks or to pay it off with a credit card. Numerous insurance companies have direct or indirect alliances with various financial institutions (banks or credit card companies) which may make your insurance significantly cheaper.


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How to Put Car Insurance in Your Parent s Name

Getting a car insured under your parent s name can save you a lot of money. The premium is usually low for people in their mid-forties and fifties. They are considered safer drivers because studies show they take fewer risks on the road. Although their insurance rate may go up, the additional cost will be cheaper than the cost of getting insurance in your own name (especially if you are under twenty).



Step1
Ask your parents to call their insurance company and get a personal quote for adding a household member to their existing policy.


Step2
Ask them to call various insurance companies to compare rates. Often, other companies may offer a lower rate and it may be worthwhile to switch insurance companies.


Step3
Get quotes on insurance rates if you were to take the policy in your name and compare this with the above rates--even if you just to appreciate the difference.

Getting Insurance on a New Car


Step1
Register the new car in your parent s name if you are above the age limit required by your parent's insuanrce company. You can register a new car in your name and obtain coverage through your parent's company if you meet the company's age limit standards.


Step2
Ask your parents to call their insurance company and get a personal quote for adding a household member to their existing policy.


Step3
Ask them to call various insurance companies to compare rates. Often, other companies may offer a lower rate, and it may be worthwhile to switch.


Step4
Call to find out insurance rates if you were to take the policy in your name and compare this with the above rates--even if you just wanted to see the difference.


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How to Get Insurance on a Sports Car

Speed, thrill and passion these are the qualities that attract us to sports cars. There are also the reason sports cars cost to insurance than other mainstream cars. But to come up with the premiums, companies and states define a sports car differently. Some say it is any car with pricey replacement parts or specifications such as two-door, manual transmission and greater horsepower. A vintage auto may also be a sports car depending on how old and rare.



Step1
Think through your buying options well ahead of your purchase. Talk with other sports car owners about their experience, driving and handling a sports car as well as their experience getting insurance.


Step2
Ask your dealer before purchasing if the car you are considering buying is classified as a sports car.


Step3
Get insurance quotes from more than three insurance companies or agents. The car classification database of a company may see some as sports cars, but another company's may not. So, see how it stacks up as multiple sources categorize your car.


Step4
Lower your premium by giving all relevant information such as the condition of the car, automatic seat belts and anti-lock brakes.


Step5
Do not give wrong information about your car. Be upfront and honest with the insurance company about the specifications.

How to Compare Car Insurance Policies

Insurance policies come with many terms and coverage options. You need a bit of legal and financial knowledge to choose a policy that best fits your needs. Most insurance agents are ready to give you information about multiple options and quotes for possible coverage. But they want you to buy a policy from them, so shop around and get information from different agents.



Step1
Look at the brand name of the company while comparing quotes. A company with weight in the marketplace makes the company credible and accountable, which helps you when making claims.


Step2
Look at the deductible when reviewing the quotes. Higher deductibles usually mean lower premiums. Depending on the type of insurance you want, choose a policy based on higher premiums and lower deductibles OR lower premiums and higher deductibles.


Step3
Put all cars that you own under a single policy and check which ones offer you the lowest premiums. Also, ask about multi-policy discounts if they are available.


Step4
Compare the amount of insurance coverage of different policies.


Step5
Check for the total covered for bodily injury and liability insurance. Choose one with the highest dollar value for the best price.


Step6
Compare the levels of other coverage, such as rental cover, PIP, medical, full-glass, towing and comprehensive collision. Ask for multiple quotes with your preferred combinations and go for the policy with the lowest quote.



Step7
Check the level of coverage for underinsured or uninsured motorist.' With the number of uninsured motorists on the road, there's a good chance you may need need this kind of insurance coverage.

How to Add Your Child with a Learner s Permit to Your Insurance Policy

The minimum approved age to get a learner s permit for a boy or girl is 16 years. This permit can be converted into a valid driving license only when your child reaches 18 years of age. Although your insurance premium increases significantly, a child with a learner s permit could be added to your own policy as an occasional driver. Note that it is not mandatory to add your child with a learner s permit to your insurance policy. Consider the following steps to add your child with a learner s permit to your insurance policy.

Step1
Call your insurance company and inform them that you wish to add the name of a family member to your existing policy. Usually at the time of providing insurance, the company tries to find out if other members of the family will drive the same car.


Step2
Talk tactfully to the company representative. The name of your child will be added in your policy, making them eligible to drive in the United States. Depending on the age of your child, your insurance premium will be readjusted.


Step3
Ask for a reduced rate. If your child is only going to drive occasionally, companies may offer a lower increase in your premium.



Step4
Enroll your child into a good driver s education course. This can help in reducing your premium increase.