Liability Car Insurance Wyoming WY
Reader’s Question:
My brother, who’s living with us here in Wyoming, left for Europe, and will be there until 2010. His car is insured full coverage (all 3 cars in the household are insured full coverage, actually). Since the car is going to remain parked for quite a long time, we decided to arrange with the car insurance company and have the liability coverage of his car reduced to save money. How about if we completely eliminate coverage on the car? No one in the household is going to use it. Can we do it?
Charlotte
Cheyenne, WY
In the case of your brother’s car, you will have to check with the state of Wyoming as to the legality of the act. The state insurance and financial responsibility laws will decide whether on not your brother will qualify for the total elimination of the car insurance coverage, liability coverage and everything else, while he is in Europe. After all, it would be a waste insuring a car that no one will use for a very long time.
The Department of Motor Vehicles of Wyoming can help you with the issue. In most states, this is what happens: If he decides to completely take insurance off his car, then he will need to surrender the plates and registration, so that the State DMV will not fine the owner, and also to avoid being penalized for an uninsured vehicle.
Another reminder, Charlotte: usually, you cannot park an unregistered car in a public lot or in a public street or roadway. To avoid your car being cited or even towed, you may park or store your uninsured car on a private property like a driveway or garage. So, if you surrender the plates and registration of the vehicle, try to make sure it is parked legally.
Tags: auto insurance coverage, Car Insurance Company, car insurance law
Automobile Insurance Cost Cheyenne, Wyoming WY
Reader’s Question:
I am a retired teacher living in Cheyenne, Wyoming. I’m just wondering why the automobile insurance I got is a bit higher than the one I had last year. Is it because of my new car or is it because of my age?
Susan
Cheyenne, WY
If your car insurance cost more this year than it did last year, it is more likely that it is because of your brand-new car and not because of your age. For one, a brand-new car would require a higher insurance premium than an older make and model for the simple reason that it is more expensive. Then, while the general notion is that the elderly driver poses a higher risk than the younger counterpart, the opposite is actually more the case because, in truth, they are the more seasoned drivers, and they drive more conscientiously–and slowly at that–than the young daredevils. And I think that it is for this reason that almost all the states dictate that car insurance companies offer senior citizens discounted rates that range from 5% to 15% on their premiums. To avail of this offering, you must enroll in eight-day refresher courses for defensive driving sponsored by the AAA or local agencies in Cheyenne, Wyoming. There are additional discount options for senior citizens who are retired and without full-time employment and those who consume minimal driving mileage. Consult your car insurance agent to see how you could take advantage of these add-on benefits.
Tags: auto insurance, car insurance cost
