NLIC.org

Yolanda Said:

How much would a job delivering pizzas affect my car insurance premiums?

We Answered:

Your insurance agent will have the definitive answer of course. Generally speaking, if you are using your vehicle in your job as a delivery vehicle, you are now commercial rather than personal usage. Commercial will raise your rates, but as stated, only your agent can tell you how much. Please don't be tempted to just not mention it and avoid the increase. If you do, and happen to have a claim you won't be covered because you didn't follow the requirements of your policy. If you read the small print that takes away what the big print gives, you will find a "You have to tell us about any changes in your life" part.

Mattie Said:

How can I reduce my car insurance premiums?

We Answered:

Become an advanced driver.
It can cut your insurance as much as 40% if you get the rospa gold certificate.

www.rospa.com/drivertraining

Willie Said:

How are car insurance premiums calculated?

We Answered:

I wish I could give you a formula. The best I can do is list the factors that have an affect:

Age of driver
Gender of driver if under age 25
Driving history
Veh specifics (yr make model)
Cost to repair or replace said vehicle
Damage said vehicle likely to cause
Safety features of vehicle (alarms/airbags/daytime running lamps)
Territory (where vehicle is kept when not driven)
Purpose/Use of vehicle
Insurance credit score if over 19 in most states
Whether or not you have an established history with an insurance company

Hope this helps

Anita Said:

Will an Australian Drivers License make my car insurance premiums a whole lot higher?

We Answered:

If you are resident in the UK then you will have to change your license to a UK one anyway.
Australia is a "designated" country so you can just get it changed over and it must be done within 1 year

* you can drive in Great Britain (GB) on your full, valid driving licence from Gibraltar, Guernsey, Jersey, Isle of Man or a Designated Country for up to 12 months from the day you become resident in GB
* you can exchange your licence for a British one within five years of becoming resident
* if you haven't exchanged your licence for a British one before the end of the first 12 months of becoming resident, you will need to stop driving

Patrick Said:

How does having a roommate affect car insurance premiums and renter's insurance?

We Answered:

autoinsurance.maclenet.com - try this one. I have their car insurance and, as I know, they can provide such a service.