Rebekah
A few years ago when I lived in Oregon Auto insurers could (and did) check your credit but Washington law didn't allow it- you could get car insurance without giving out your social security number. I am in Nebraska and need to know- do I have to give out my SSN to insurers?
Answer
There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy is issued.
Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement. A lot of these reports might get a BETTER finding with your SSN BUT we CAN get this info WITHOUT your SSN.
The best thing to do is call a LOCAL independent agent or broker. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.
An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.
In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!
Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!
Good luck, drive RESPONSIBLY and I hope this helps!
There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy is issued.
Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement. A lot of these reports might get a BETTER finding with your SSN BUT we CAN get this info WITHOUT your SSN.
The best thing to do is call a LOCAL independent agent or broker. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.
An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.
In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!
Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!
Good luck, drive RESPONSIBLY and I hope this helps!
Is minimum coverage car insurance the same as an SR22?
Q. In Tennessee, is minimum coverage car insurance the same as an SR22? I already have minimum coverage but am now required to get an SR22. Is this something that needs to be added on or will minimum coverage suffice?
Thanks.
Thanks.
Answer
No, they are not the exact same thing. The SR 22 is an additional form from the insurance company. Here is a brief explanation, and some sites that might help you:
"About SR22 Insurance
By Shelley Frost, eHow Contributor
A person who finds herself needing SR22 insurance likely understands the reason for the requirement but may not know exactly what SR22 means. Rather than being a specific type of auto insurance policy, SR22 is a form attached to a regular policy. Individuals with certain driving infractions are required to maintain the filing with the state.
Read more: http://www.ehow.com/info_8024658_sr22-insurance.html#ixzz2baGQNNzq"
And from another:
"In the United States, an SR-22 is a vehicle liability insurance document used by some state Department of Motor Vehicles (DMV) offices. A DMV may require an SR-22 from a driver to reinstate his or her driving privileges following an uninsured car accident or conviction of another traffic-related offense, such as a DUI.[1][2] An SR-22 may be required for three years for driving without insurance or driving with a suspended license and up to five years for a DUI.[3] If an SR-22 should expire or be canceled, the insurance company is required to issue an SR-26 form, which certifies the cancellation of the policy." http://en.wikipedia.org/wiki/SR-22_%28insurance%29
No, they are not the exact same thing. The SR 22 is an additional form from the insurance company. Here is a brief explanation, and some sites that might help you:
"About SR22 Insurance
By Shelley Frost, eHow Contributor
A person who finds herself needing SR22 insurance likely understands the reason for the requirement but may not know exactly what SR22 means. Rather than being a specific type of auto insurance policy, SR22 is a form attached to a regular policy. Individuals with certain driving infractions are required to maintain the filing with the state.
Read more: http://www.ehow.com/info_8024658_sr22-insurance.html#ixzz2baGQNNzq"
And from another:
"In the United States, an SR-22 is a vehicle liability insurance document used by some state Department of Motor Vehicles (DMV) offices. A DMV may require an SR-22 from a driver to reinstate his or her driving privileges following an uninsured car accident or conviction of another traffic-related offense, such as a DUI.[1][2] An SR-22 may be required for three years for driving without insurance or driving with a suspended license and up to five years for a DUI.[3] If an SR-22 should expire or be canceled, the insurance company is required to issue an SR-26 form, which certifies the cancellation of the policy." http://en.wikipedia.org/wiki/SR-22_%28insurance%29
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