How to Know if You Are Covered Under a Family Member's Car Insurance

Today, many families own more than one car. Since insurance companies usually track the driving history of the registered car owner before selling an insurance policy, some families register all of their cars under only one name. The names of other family members are then added to the policy in a practice that is legally accepted and saves money on car insurance costs. Are you part of a family that owns more than one car and registers the vehicles under one member s name? Here's how you can find out if your name is included in the policy and you have adequate insurance coverage.


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Step1
Ask everyone in the family if the cars are insured under a single name.


Step2
Request that the registered policy member notify the insurance company to add your name to the policy before you drive any car.


Step3
Call the insurance company to confirm that your name has been added to the policy and clarify if you can drive any of the family cars with adequate coverage under the policy.


Step4
Get a copy of the policy and check all the names. Make sure your name has been added correctly.


Step5
Check the type of coverage extended to you comprehensive, liability or collision. In some cases, you may not be covered comprehensively. You may want to talk with the insurance company about what this means to you as a driver.


Step6
Drive the car only after receiving confirmation that your name has been added. It's always a good idea to keep a photocopy of the policy with you when you drive.






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How to Insure Someone Elses Car

Most insurance companies have their own set of rules when it comes to insurance policies and sometimes there is an ambiguity about whether or not you can insure someone else's car. According to some legal experts, an individual is not allowed to insure in their name any property belonging to someone else. This effectively means that you cannot insure a car belonging to your friend or a rental company. The person who owns the vehicle has to get it registered under his or her name and only then would they be eligible to obtain insurance coverage. However, if you drive someone else's car occassionally, then you can seek a non-owner's insurance policy. Typically, such policies include liability, medical and uninsured or underinsured motorist coverage. Non-owner's insurance policies generally do not include comprehensive coverage, monetary protection against collision or reimbursment for towing and rental charges. This applies to all vehicles you might rent or borrow with permission. You can also take out insurance for somebody elses car when it has been in your custody for one one reason or another. Follow these steps to determine if you can insure someone else's car:

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Step1
Determine that the vehicle you are planning on insuring is registered under the name of the owner. It may belong to a friend, relative or rental agency.


Step2
Go online and visit the Web sites of several insurance companies to learn about their policy options. Read the information carefully and thoroughly.


Step3
Set aside the names of insurance companies that offer non-owners insurance.



Step4
Use the customer service phone number mentioned on the Web site of each company to contact an agent or customer service representative to learn more about your options.


Step5
Tell the agent or representative that you wish to use a car owned by your relative, friend or a rental agency, whichever the case may be.


Step6
Inform them of the situation clearly and explain that you are planning to obtain separate insurance coverage for the vehicle in question. Be sure to mention that you are interested in getting a non-owner's policy.


Step7
Follow the procedures for obtaining non-owner's insurance offered by the company if the quote is acceptable to you. If not, contact other providers untill you get one that is.

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How to Know if You Are Covered Under a Family Member's Car Insurance

Today, many families own more than one car. Since insurance companies usually track the driving history of the registered car owner before selling an insurance policy, some families register all of their cars under only one name. The names of other family members are then added to the policy in a practice that is legally accepted and saves money on car insurance costs.Are you part of a family that owns more than one car and registers the vehicles under one members name? Here's how you can find out if your name is included in the policy and you have adequate insurance coverage.

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Step1
Ask everyone in the family if the cars are insured under a single name.


Step2
Request that the registered policy member notify the insurance company to add your name to the policy before you drive any car.


Step3
Call the insurance company to confirm that your name has been added to the policy and clarify if you can drive any of the family cars with adequate coverage under the policy.


Step4
Get a copy of the policy and check all the names. Make sure your name has been added correctly.


Step5
Check the type of coverage extended to youcomprehensive, liability or collision. In some cases, you may not be covered comprehensively. You may want to talk with the insurance company about what this means to you as a driver.


Step6
Drive the car only after receiving confirmation that your name has been added. It's always a good idea to keep a photocopy of the policy with you when you drive.

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How to Get Car Insurance for Exchange Student

Exchange students usually visit the U.S. from 6 to 9 months and might want to drive a car which requires insurance. Foreign nationals can carry an International Driving Permit for a maximum of 1 year from the date of entry into the U.S. Exchange students can also use this permit to get car insurance.

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Step1
Check your university brochure. If you come to the U.S. on a J-1 visa (given to exchange students) and want to drive a car, you need to bring an International Driving Permit. Your university will give you a comprehensive insurance policy to register and drive a car.


Step2
Rent a car if you'd like to drive once in a while. Renting a car is easy with an International Driving Permit. You can either get a non-owner's insurance policy from a local insurance agent or insurance available from the car rental itself.


Step3
Call for quotes and shop for the best rates on a non-owner's policy. You may not have an established driving history, so your premium is likely to be higher.


Step4
Get a guardian through your universitys exchange student adoption program. Check the availability of a guardian with your exchange program coordinator. You can then add your name to their existing insurance policy temporarily and pay them for the difference in their premium.

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How to Get Car Insurance After a DWI

After DUI or DWI conviction, you want to put it all behind you. However, if you need a car to go to work or the supermarket, you will need insurance. But your car insurance premium might shoot up, or your policy might be cancelled altogether. And what if you dont have car insurance in the first place? There are no laws regulating the premiums charged to DWI offenders. So, what will it take to have car insurance after a DWI?

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Step1
Hire a good lawyer to fight your DWI case. You may reduce the charge in a plea bargain or even limit how long your license is suspended. If the suspension period is small, your carrier probably will not know and your license may not be suspended at all. If you succeed through an attorney in an appeal at a later date, call up your insurance company and demand being reinstated at old rates.


Step2
Take courses in addition to those that are required after a DWI which will give you a more responsible image to insurance companies. After a DWI case, showing your improved attitude towards safety is the only way to get on top of your insurance worries.


Step3
Get quotes from multiple carriers and choose the one that will quickly get you the proof of insurance or the SR-22 form. You will need to show this to your local DMV in order to change your suspension status and get your driver's license reinstated.

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How to Put Car Insurance in Your Parents Name

Getting a car insured under your parents 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).

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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 parents 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 Listen to Your iPod in the Car

The Apple iPod is wonderful because you can take your music collection with you wherever you go. One place you deffinitely want to be able to listen to your iPod is in the car. You can do this with the help of a car adapter, but you need to know the two best car adapters for use with iPods, which one is right for your, and how to use it.

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Step1
Use a tape adapter, if you have a tape player in your car. The easiest and least expensive way to listen to your iPod is through a tape adapter. These basically look just like a cassette tape with a wire attached that runs to your iPod.


Step2
Purchase a tape adapter. It's best to buy one that is specifically made for iPods since ones that are not can cause annoying your iPod to randomly pause. Tape adapters specifically for iPods are available fairly inexpensively at any electronics or music store.


Step3
Plug the end of the cord into the headphone jack of your iPod. Slide the tape end into your car's cassette player. Now press play on your tape player and play music on your iPod normally. The music will be played through your car speakers.

FM Transmitter

Step1
Use an FM transmitter. If you do not have a tape player in your car, you can listen to your iPod via an FM Transmitter. This is a device that plugs into your iPod's headphone jack and broadcasts the music over an FM radio station so that you can listen to your music on your car's speakers.


Step2
Purchase an FM Transmitter at an electronics or music store. The most important thing to look for when buying an FM transmitter is to get one that can play on ALL the FM stations. Some transmitters only play on a few of the least-used stations and if you happen to live in an area where these stations are broadcasting, you are out of luck.


Step3
Find a clear radio station to play your music over. Turn on your car radio to FM and listen to each frequency until you find one that has almost no noise. Set your FM transmitter to that station number (i.e. 94.5). Play your iPod normally and the sound will be played through your car's speakers.

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