Do I Need to Get Car Insurance for a Inoperable Car
Reader’s Question:
If I have a car in Arcadia, California that has been off the road for more than a year now because it is in the process of being repaired. My question is, do I still need to register and insure it?
Julian
Arcadia, CA
You need to contact your local Department of Motor Vehicles in Arcadia, California to verify if you need to keep this car registered and insured.
In California they have more strict guidelines for inoperable vehicles. California law requires cars to be currently registered if they are driven, stored, towed, parked on public highways or roads or parked in an off-street public parking facility at any time during the period of registration.
If you have an inoperable car in California , you can apply for non-operational status on the car and pay a planned non-operation (PNO) fee. Once this status is placed on a vehicle’s record, it stays until you decide to drive the car and pay full registration renewal fees.
What are the Auto Insurance Rating Factors
Reader’s Question:
What are auto insurance rate factors you can change on you auto insurance to lower it?
Anna
Portland, OR
In many states insurance carriers allowed to set up their own rates and do so by using certain rating factors or risk factors to determine a driver’s car insurance rate. These factors are essential because statistically they can assist determine those drivers that will be more of a risk for an insurance company and therefore their rates will be higher. The factors are essential for a motorist or policyholder to know so that they are sufficiently informed on what criteria their rates are set.
Some of the factors that most insurance providers use are: age, gender, marital status, geography, driving record, claims history, vehicle type, occupation, education etc.
Rating factors that you can change more easily than others are the type of cars you drive, the limits of your policy and the miles driven each year.
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