Download Smile Please!: Workbook 2 by Gabby Pritchard PDF

By Gabby Pritchard

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When this does work, it usually involves older family members whose driving skills have been eroded by age. Exclude a teenager only if you're certain you can keep him or her from driving. Where you livewithin the state Another factor is what kind of neighborhood you live in. If you live in a large metropolitan area, you will probably pay more for auto insurance. If you live in certain zip codes or areas within a big city, your insurance may be even more expensive still. While some insurance reform plans do away with it, most states still allow insurance companies to adjust insurance rates according to neighborhood.

If a driver has had several violations, check his or her license status. The primary vehicle column refers to any household vehicles this person drives more than anyone else does. , a teenagerwill cost more to insure than a vehicle driven occasionally by that driver. Page 26 At some point, you may need to take the keys away from a risky driver. In the insurance context, you can do this by making that person a named exclusion from coverage under your policy. Be careful of doing thisit's a dire situation.

It also probably covers you for liability in case you hurt someone or damage someone else's property. Your homeowner's or occupant's household policy may well cover your personal effects, even when you're on a trip. If you need extra accident insurance, you need it full time, not just in a rented car. Page 18 Lost wages Another reason that some people buy car insurance is to provide coverage for lost wages that might occur after an accident. This kind of coverage is often called an income continuation benefit.

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