Teen Auto Insurance IOWA IA
Reader’s Question:
My teenage son, age 20, moved out of the house and to a different city in IOWA. Can my wife still carry his vehicle on our car insurance policy?
Edward
Cedar Rapids, IA
Insurance carriers’ guidelines in IOWA vary so to obtain a concrete answer to your inquiry you or your wife will need to contact your insurance company to find out if your 20 year old son can stay on your policy.
Generally, since he has moved out and is living in a different city in IOWA and therefore is garaging the vehicle at a different location it is doubtful that you will be able to continue your car insurance coverage on your son’s motor vehicle. Insurance providers typically do not insure cars that reside at a different household or for more than 1 household on 1 policy.
If the teen son is at college in a different city it may be thought of differently by the insurance provider and he may be permitted to stay on the policy depending upon the insurance company’s guidelines.
Senior Driver Auto Insurance Iowa IA
Reader’s Question:
I am 75 years old and I was told that the car insurance rates are higher in Iowa for those in my age group. Is this true for all insurance companies?
Tyrone
Davenport, IA
Yes, some insurance providers do charge higher insurance rates for mature motorists who are over a certain age, such as 75 if state laws permit. Usually this is due to statistics and risk analysis showing that vision, reaction times, etc is worse for elderly motorists. Since age is a rating factor, some insurers in fact will not insure any driver over 75 years of age.
Some insurance carriers in Iowa offer lower rates to those between 50 and 65 years of age, since this age group has lower accident insurance rates. After age 65, insurance rates typically begin to rise again though and those over age 70 may have difficulty looking for an insurance provider to accept them as a new policyholder since accidents for this age group tend to go up.
You may check with your insurance provider and/or Iowa Department of Transportation for a list of approved schools, to check what type of senior (mature) driver courses that might be available to you in Nevada. Either your insurance agent or the DMV should be able to inform you if any of the courses are available for you to take online or if they must be attended in person.
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