Getting Dropped From Car Insurance

There are just some things that lead to getting dropped from car insurance that you can’t prevent, unless it’s your driving record.

Getting dropped from car insurance can sometime feel like your insurance company is pushing you off a cliff.

Getting dropped from car insurance is something that you really don’t want to have happen. In some cases it is not a negative reflection of you, but instead a circumstance that requires your insurance policy to be stopped. In other cases, yes, getting dropped from car insurance is your own fault and could have been prevented.

Teens Getting Dropped From Car Insurance

There is no doubt that teens drive up the cost of their parent’s insurance. What’s worse are the insurance rates once they move out and are one their own. To help their kids when they move out, parents get the bright idea to keep their teen and their teen’s car on their insurance policy to keep the rates down.

This is a big no-no.

Once the insurance company finds out that the teen is no longer living in the household they will find themselves getting dropped from car insurance. An insurance company wants to collect the premium amount that they deem is necessary to balance out the risk they are taking for insuring this older teen. Once the teen is out on their own they have to be removed from their parent’s policy and a new policy has to be started for them.

Getting Dropped From Car Insurance after Out-of-State Move

Insurance companies aren’t automatically able to write insurance anywhere in the country, like it may seem. To be able to sell insurance in a state, the insurance company has to become licensed to do so in that state. This also means that they have to abide by all of the state’s rules and insurance regulations; which are different from state to state.

If you move from one state to another you could be getting dropped from car insurance if the insurance company doesn’t write in the new state that you live in. Even if they do, you will still find yourself getting dropped from car insurance in your old state and a new policy having to be written for you in your new state. Again, this all goes back to the different rules and insurance regulations that exist from one state to another.

Bad Drivers Getting Dropped From Car Insurance

Getting dropped from car insurance is a very easy thing to do, especially if you are a bad driver. Insurance companies don’t like to take a gamble on a client that they consider a bad driver and won’t hesitate to drop them if the tickets and accidents start to stack up.

Preventing the Getting Dropped From Car Insurance Action

Out of all the ways that you can find yourself getting dropped from car insurance, what type of driver you are is really the only thing that you can control. By obeying driving laws and being a cautious driver, you can avoid the accidents and tickets that will get your car insurance dropped.

If there are times that you do get that occasional ticket or accident, a Saturday in traffic school may be able to help. When you get a ticket or accident points are added to your driving record. It’s these points that the insurance company add up to determine how much to raise your premium or to drop you. Traffic school can get these points erased in most cases.

However, the most important thing to do to prevent yourself from getting dropped from car insurance for being a bad driver though, is not to be one.