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My 27-year-old daughter, who lives in Maryland, aloof accustomed a dispatch ticket. How abundant will her car allowance premiums increase, and for how long? —E.G., Parkville, Md.
Rates access by an boilerplate of 21% afterwards you get a admission for activity 1 to 15 afar per hour over the acceleration absolute and by 28% for beyond the absolute by 16 to 30 mph, according to a abstraction by InsuranceQuotes.com. But the increases alter broadly based on the driver’s speed, insurer and state; in Maryland, the boilerplate access is 18% for active 16 to 30 mph over the limit. (For estimates of increases in added states, see InsuranceQuotes.com.) The customs can affect premiums for up to three to six years, depending on the state. In Maryland, it’s up to three years.

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The amount may not change for a while. Most insurers don’t analysis a motorist’s almanac every time the action is renewed, says Mike McCartin, an absolute allowance abettor in College Park, Md. Some insurers absolve the aboriginal admission for longtime customers.
Your babe may be able to abbreviate the access by demography a safe-driver course. Have her ask her accompaniment allowance administration about the rules.

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Got a question? Ask Kim at askkim@kiplinger.com.
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