Reader’s Question:

Will a suspended license caused by a non-driving violation such as underage drinking raise my car insurance rates in Hillsboro, Oregon?

Philipp

Hillsboro, OR

As for you insurance rates, state insurance laws and insurance carriers guidelines very but it is possible that your insurance rates could go up if you are cited and receive a license suspension for an alcohol violation such as underage drinking or minor in consumption.

To verify how your specific insurance company will react, regarding insurance rates and premiums, to this non-moving violation and related suspension of your license, speak with your insurance agent. The insurance agent should be able to inform you about how your insurance carrier’s rating system is set up. For more information on insurance laws for your state, you may contact your state’s insurance regulatory body Hillsboro, Oregon.

Tags: auto insurance, car insurance rate

Reader’s Question:

I am only 19 and I have a provisional permit. My question is: Can I operate a vehicle without any adult supervision in Gresham, Oregon?

Mark

Gresham, OR

In most states if your are 18 or over and have a learner’s or provisional permit the restrictions are less than if you are under eighteen. For instance, in Maryland upon becoming eighteen a provisional license holder is no longer bound by time restrictions and may operate a vehicle at any hour.

In Gresham Oregon provisional licensed or permitted motorists have restrictions on them, including being required to be accompanied by a licensed motorist who is at least twenty five years old. But the restrictions only apply until you are eighteen or you have had your provisional license for a year; whichever comes first.

Verify with the Department of Motor Vehicle before driving without supervision in case your state still requires you to have an older licensed driver with you during this phase of the graduated licensing process.

Tags: auto insurance, New Driver Insurance, teen insurance, Young driver car insurance

Reader’s Question:

What cars are exempt from the mandatory insurance requirement? I live in Gresham, OR.

Tyrone

Gresham, OR

State laws differ so you will need to check with your state’s Department of Motor Vehicle agency, or similar entity. The state of Oregon should have a list of cars that are exempt from your state’s mandatory insurance requirement laws.

In Oregon there are certain cars, such as antique motor vehicles, farm tractors, farm trailers, motor assisted scooters, snowmobiles, mobility devices, and all-terrain vehicles, which are exempt from the mandatory insurance requirements.

Remember if you take the car that is exempt from auto insurance in your state to a different state to check their laws since mandatory insurance laws do very between states.

Tags: auto insurance

Reader’s Question:

Should I have comprehensive and collision coverage on my 1992 Lexus SC300. Its costing me too much per month just for these coverages, on top of 2 other cars I own. For a vehicle this old I don’t see the benefit.

John

Medford, OR

Last week, my grandfather asked me the same question about his 2002 Buick LeSabre. He was frustrated that his two vehicles cost him around $1000 per year and he wanted to trim what he thought was un-needed coverage. Last year we had the same conversation and he removed the comprehensive and collision coverage from their 1989 Jeep Cherokee.

I really suggest that you keep the most coverage that you can afford. Now that may sound like a car salesman trying to sell you the most expensive vehicle in the lot, but it is true and simple.

You should research your vehicle’s values and see if the value of each vehicle is worth losing these two major benefits of physical damage coverage.

Tags: auto insurance, automobile