Reader’s Question:

They said that your car insurance rates will go down when you turn in the age of twenty five. What about if you are 21 years old, is there any insurance discounts that is offered? I live in Austin.

Brett

Austin TX

Insurance carrier’s discounts differ as well as their rating systems. In most states there are insurance providers where the car insurance rates for women go down at the age of twenty one and men at age of twenty five, but typically the major price difference is around 21 to 25 and like I said it depends on the car insurance providers rating system and other rating factors.

For most insurance providers in Austin Texas there is an insurance discount offered for three or more years of driving experience. If you are licensed at age 16-18 then this cheaper rating factor may fall under the period when you turn twenty one years of age.

Insurance carrier’s discounts differ so I suggest that you ask your insurance carrier when they lower their car insurance rates regarding age and driving experience.

Tags: auto insurance, Car insurance discounts, teen insurance, Young driver car insurance

Reader’s Question:

Last night, I was driving my friend’s car when I crash in the parked vehicle. Well there was no damage on my friend’s automobile but there was a damage to the parked car that I hit. I am just wondering if they can go after my car insurance carrier in Austin Texas and not on my friend’s insurance since it was my fault. Is that possible?

Bryan

Austin TX

Car insurance coverage usually follows the automobile first and the insurance of the driver, second, therefore the car insurance claim will normally go through your friend’s car insurance provider as the to be the primary. Your car insurance coverage will be secondary or will be excess if your friend’s auto insurance limits would not pay for the full damages to the other party’s automobile.

If you would like your car insurance in Austin Texas to be used you will need to speak about this with your friend’s automobile insurance carrier. The car insurance agent will be able to assist file the car insurance claim and answer any questions that you have regarding your specific situation.

Tags: auto insurance claims, car insurance