I have no accidents or tickes, however my premium is higher because my husband has a ticket. He has his own insurance with a different company. Why should I be a good driver if my insurance is quoted based on someone else's records? Does this apply in any other State or only in Florida?
2007-03-15 10:03:38 · 4 answers · asked by rema 2 in Cars & Transportation ➔ Insurance & Registration
I believe it is applicable in all states, what they normally have you do is put an exclusion on your husband from driving your car/cars. Your rate would come down based on that, the whole issue is, who has access to your cars, and if they do, what kind of driver are they? When I added my twins to my policy, my rates quadrupled, mainly because of the male under 25 law pays a higher rate than the norm.
2007-03-15 14:50:41 · answer #1 · answered by fisherwoman 6 · 0⤊ 0⤋
Your insurance is not based on someone else's records. The policy quote is based on all drivers covered.
You have a good record, he has one ticket. The cost to insure him is higher and the cost to insure you is lower, and they balance that. If you both had tickets, your policy would be higher yet. You ARE getting a better rate becuase YOU dont have tickets, but your husband's record is causing the overall policy to be higher. Your record does not make his disapear.
However I'm betting you also have a multi-driver, multi-car discount, which helps offset this. One ticket is not much as far as driving up costs-- Geico still has us at their "preferred good driver" rate even though my husband and I had one ticket each. However when a ticket that was not mine showed upa nd they took that discount off, it went up 50%! I got it resolved and we got our good rate back.
If you think you're paying too much, get some more quotes.
2007-03-15 10:17:25 · answer #2 · answered by Anonymous · 0⤊ 0⤋
It applies everywhere, not just Florida. He is your husband, and has access to your vehicle, and therefore his driving record impacts your rates.
If you feel that is a good reason to become a poor driver, then go ahead and get your own tickets. Sounds very mature to me.
If you don't want his tickets to impact your records, exclude him from your insurance, and make sure he never drives your car, because if you exclude him and he does have an accident, insurance will NOT cover it.
2007-03-15 10:51:18 · answer #3 · answered by oklatom 7 · 0⤊ 0⤋
It's because you can't absolutely guarantee that he won't be driving your car some day and have an accident. It's the same reason that you have to insure for kids in the house of a licensable age, even if they don't drive yet. It sucks, but that's the rules.
2007-03-15 10:12:26 · answer #4 · answered by Me 6 · 1⤊ 0⤋