Availability varies. Enrollment discount applies during data collection; final discount is calculated on driving behavior and could be zero. Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. Final discount applies at the next policy renewal and remains until drivers or vehicles on the policy change.
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Insurance companies are changing their insurance rates all the time. Sometimes they raise them when there have been a large number of claims, and sometimes they lower rates when they are looking to pick up more clients. What all of this amounts to is that a cheap policy might just represent a market shift or a change in the needs of a particular company. In other words, don’t just give the hairy eyeball to all cheap rates; seek them out. Just make sure that the policy represents your needs well.
NCB is provided to the policyholder and not to the insured automobile. At the time of the vehicle transfer, the insurance plan could be transferred to a new owner but NCB can’t be transferred. The responsibility of paying the remaining balance falls on the shoulders of the new buyer. The original/former owner of the vehicle can use the NCB at the time of purchase of a new automobile.
Claims on multi car policies are usually dealt with similarly to single car policies. All multi car policies are different so it’s important to check with your insurer, but the best multi car insurance policies will not penalise one driver if another makes a claim. If someone else on the policy makes a claim, for example if your partner makes a claim on their car, your no claims bonus will not be affected.
As a practical matter, resetting odometers requires equipment plus expertise that makes stealing insurance risky and uneconomical. For example, to steal 20,000 miles [32,200 km] of continuous protection while paying for only the 2000 in the 35000 to 37000 range on the odometer, the resetting would have to be done at least nine times, to keep the odometer reading within the narrow 2,000-mile [3,200 km] covered range. There are also powerful legal deterrents to this way of stealing insurance protection. Odometers have always served as the measuring device for resale value, rental and leasing charges, warranty limits, mechanical breakdown insurance, and cents-per-mile tax deductions or reimbursements for business or government travel. Odometer tampering, detected during claim processing, voids the insurance and, under decades-old state and federal law, is punishable by heavy fines and jail.
But liability coverage levels come in threes — you’ll probably see something like 50/100/50 up to 250/500/250 in typical policies. You can think of these limits like: individual injuries / total injuries / property damage. Insurers are a little more technical, calling them bodily injury liability, total bodily injury liability and physical damage liability.